Quick Answer
Before renewal, gather your declarations page, updated property details, roof and mitigation information, lender requirements, and any notices from the carrier.
Documents to gather
Start with the current declarations page, renewal offer, escrow or lender notice, and any inspection or mitigation documents. Have those available so the Premium Lock quote can start from the actual policy profile.
Details to verify
Confirm address, occupancy, square footage, year built, roof updates, major remodels, detached structures, special valuables, and wildfire mitigation improvements.
What the review should answer
A useful review should clarify whether the policy details are current, whether the household should shop coverage, and whether Premium Lock belongs in the renewal plan. Material policy or property changes can affect the service terms, so the details matter.
What to do next
If you want to request a Premium Lock quote, use the WHINS direct Eventual quote path and have your current homeowners declarations page available.
FAQ
How early should I start?
Start 45 to 60 days before renewal when possible.
What if I received a non-renewal?
Start immediately and upload the notice through the intake form.
Can a claim end the premium lock?
The materials WHINS reviewed say claims do not automatically affect Premium Lock during the three-year term, but the service terms still control.
WHINS Insurance Agency | CA Agency License #0G66655. This article is general educational content and does not change the terms of any insurance policy or separate premium lock product.
