Life changes, and your insurance should too. Whether you’re buying a home, welcoming a new driver, or adding a business line, it’s important to update your policy promptly. This guide walks you through the process, ensures proper coverage, and explains why THAgency makes the update process seamless and effective.
1. Identify What’s Changed
Start by reviewing your current policy and noting any recent life events or changes, such as:
Home purchase or renovation
New vehicle, teen driver, or household member
Business expansion, equipment purchase, or service diversification
Risk changes—renovated basement, new pet, new travel habits
These changes may leave you underinsured—or paying for coverage you no longer need.
2. Assess Which Coverage or Riders You Need
Not all updates require a full policy rewrite. Consider adding these enhancements:
Umbrella Liability Rider – for more protection above your existing limits
Scheduled Personal Property – for high-value items like jewelry or collectibles
Identity theft or cyber liability riders – vital in today’s digital environment
Rental / Sublet coverage – for landlords renting out rooms or properties
Flood or earthquake riders – for standard policies lacking these protections
THAgency offers customized recommendations to match these to your unique risks.
3. Contact THAgency with the Details
When you’re ready:
Call or login to submit a policy update request.
Provide the specifics—item values, property changes, new drivers or business activities.
THAgency will obtain quotes from nearly 100 top insurers to find the best—and most affordable—option for your update.
4. Review Quotes & Select the Right Option
Instead of guessing, THAgency will show you:
Premium adjustments due to added riders or coverage
New annual or monthly costs
How each option aligns with your needs and budget
Review your options side-by-side and choose what adds real value.
5. Add & Document the New Coverage
Once you select the update:
THAgency coordinates with the insurer to finalize and add the rider or coverage
You receive updated documents and digital proof of coverage
Use certificates to confirm coverage for lenders, landlords, or clients—if applicable
6. Review Your Premium & Coverage Annually
Coverage needs—and insurance rates—change over time. THAgency helps you:
Audit your policies each year
Remove outdated riders to avoid unnecessary costs
Add updates due to life events or business shifts
Remain properly covered—and avoid surprises if a claim happens
Final Takeaway
Updating your policy with riders or new coverage isn’t just about protection—it’s about ensuring your insurance evolves with your life and investments. From valuable items to changing risk profiles, proper updates ensure you stay fully covered.
Ready to Make a Policy Change?
Get your free policy audit and quote from THAgency today. We’ll assess your needs, compare coverage options, and seamlessly apply the updates—so your insurance truly reflects your life and assets.
