Why review a policy you already have
Most people buy a policy once and renew it for years without looking at it again. Meanwhile rebuild costs climb, cars get paid off, a business adds employees, a home becomes a rental. The declarations page tells you what you’re actually paying for, if you know what to look for.
This review reads it for you and points out the things worth a second look: limits that haven’t kept up, coverage that’s on actual cash value instead of replacement cost, deductibles you might not remember choosing, and the common exclusions people assume are covered.
What it looks at
Homeowners, condo and landlord policies: the dwelling limit compared with rebuild cost (not market value), extended replacement cost, ordinance or law, loss of use, liability, water backup, deductibles, and the fact that earthquake and flood need their own policies.
Auto policies: liability limits compared with your state’s minimums and with what you have to protect, uninsured motorist coverage, deductibles, rental and gap coverage.
Business policies: liability limits against what contracts usually require, additional insured and waiver endorsements, workers’ comp, hired and non-owned auto, and the cyber and employment claims a business policy usually excludes.
What happens next
You get the review on this page and by email. If something stands out, reply or call and I’ll walk through it. As an independent broker I can shop the same coverage, or better coverage, across more than 90 insurance companies, and renewal is the easiest time to make a change.
The review is general information, not a quote, a coverage opinion on a specific claim, or legal advice. Your policy documents decide what’s covered.
Common questions
What is a declarations page?
The summary page of your policy, usually first in the packet: the insurance company, policy number, dates, what’s insured, each coverage with its limit and deductible, and the premium.
Will this change my policy?
No. Nothing is sent to your insurance company. It only reads the document you upload.
Do you keep my document?
Yes, with your request, so I can follow up without asking you to send it again. It isn’t shared, and you can ask me to delete it.
Is the review free?
Yes. There’s no charge and no obligation. If you’d like me to shop your coverage, that’s free too.
Can it review a business policy?
Yes: business owner’s policies, general liability, commercial auto and workers’ comp declarations all work.
This tool and page are general information from Saman Alishahi, an independent California insurance broker, License #4348151, not legal advice, a policy, a quote or an offer of coverage. Results are read by AI from the document you upload and can contain mistakes; check them against the document. Coverage depends on underwriting and the terms of the policy actually issued.