Renewal Letters

Investing time into reviewing your insurance is an important part of your financial well-being. It is prudent to review your insurance annually at each renewal because lifestyle changes happen frequently. What might seem small or insignificant could have significant implications for your insurance policy. At Brown & Brown, we can help you find a solution to fit your needs now and as they grow. We enable a safe dialogue to help you explore life’s “what if” scenarios. We’re here to discuss insurance – on your terms.


We have prepared a Renewal Checklist and “Did You Know” tidbits to help identify some of the most common insurance needs.


Car Insurance Checklist

Pink Slips:  DYK

✓  Destroy old pink slips
✓  Hard copy – Keep one in the car and one in your wallet
✓  Digital copy – Download the My Brown & Brown Canada app


Liability Limits:  DYK

✓  Explore higher liability limits
✓  Umbrella policy


Optional Coverage:  DYK

✓  New vehicle waiver of depreciation or replacement cost
✓  Accident and conviction premium protection
✓  OPCF 27 – Legal Liability for Damage to Non-Owned Autos
✓  OPCF 20 – Coverage for Transportation Replacement
✓  Endorsement bundles


Discounts:  DYK

✓ Multi-line discount
✓  Multi-vehicle discount
✓  Retiree discount
✓  Student away discount
✓  Annual pay discount
✓  Winter tire discount


Accident Benefits:  DYK

✓  Changes to your job or income
✓  Marital status
✓  Changes to your family household
✓  Changes to your life and health insurance policy


Material Changes:  DYK

✓  Additional drivers in the household
✓  Other drivers not in your household who have access to your car
✓  Vehicle being used to carry goods for commercial purposes or paying passengers
✓  Pleasure or commute usage is different than what is stated on your insurance document
✓  Modifications to your vehicle

Property Insurance Checklist


Optional Coverage:  DYK

✓  Scheduling high-valued items – package deals may be available
✓  Overland water damage coverage
✓  Sewer backup
✓  Service line coverage
✓  Home-based business insurance
✓  Claims protection
✓  Identity theft
✓  Carrier-specific deductible advantages


Discounts: DYK

✓  Multi-line discount
✓  Mortgage-free discounts
✓  Annual pay discount
✓  Security system discount
✓  Savings for recent home updates


Material Changes:  DYK

✓  Improvement to your home over $10,000 (Guaranteed Replacement clause)
✓  Other families living with you
✓  Business being conducted from your home
✓  Addition of a swimming pool or spa


My Brown & Brown Canada

My Brown & Brown Canada is your 24-hour self-service portal for your Personal Home and Auto Insurance policies. Keeping your information up to date has never been more convenient.


At your fingertips: Digital Insurance Pink Slips, 24/7 Service Request and Online Policy Documents.


Thank you for choosing Brown & Brown for your insurance needs. Please contact us if you do not receive a copy of your insurance policy within 30 days of your renewal.


This is not an inclusive renewal checklist. Your insurance needs, coverage and insurance carrier options should be handled through consultation with a Brown & Brown broker.