Compare this year to last year before you renew. AI only helps you read.
Step 1: Find both papers
- This year's renewal notice.
- Last year's declarations page. It lists your coverage and price.
New to this? Try the practice notice first.
Step 2: Cover private details
- Cover your policy number, VIN, driver's license and account numbers.
- Pasting? Delete the numbers first. Photo? Cover them with paper.
Step 3: Ask AI to line them up
Paste the prompt. Add both papers after it, in one message. Then send.
Read this insurance renewal notice and last year's declarations page. List the dates, the premium for each year, the deductibles and any coverage changes. Quote the exact line for each one. Flag anything that changed, even one word. Do not tell me to buy, switch or cancel. The papers:
Step 4: Check it against the renewal
- Find the new premium on the notice yourself.
- Find each deductible and limit. Did any change?
- Look for words like "removed," "reduced" or "actual cash value."
Step 5: Ask before you renew
- Premium up? Coverage cut? Ask your insurer why. Ask what it means for a claim.
- Ask before the renewal date. Use a number from your insurance card, a past bill or the insurer's own website.
- Still stuck? Call your state insurance department. Find yours at content.naic.org/state-insurance-departments.
Checked: content.naic.org (Why Are My Insurance Premiums Increasing?; A Consumer's Guide to Home Insurance; Consumer Shopping Tool for Auto Insurance), Oct 16, 2026; content.naic.org/state-insurance-departments, Oct 17, 2026.
Practice renewal notice
PRACTICE - NOT REAL. Made up for this guide. Do not call the numbers.
==================== PRACTICE - NOT REAL ==================== MAPLEFIELD MUTUAL - HOMEOWNERS DECLARATIONS (LAST YEAR) Policyholder: Pat Sample Policy: XXXX-0000 Policy period: 12/01/2025 to 12/01/2026 Dwelling coverage $300,000 Personal property $150,000 Replacement cost All-peril deductible $1,000 Annual premium $1,240.00 ------------------------------------------------------------ MAPLEFIELD MUTUAL - RENEWAL NOTICE Questions: (555) 010-6240 service@maplefield.example Policyholder: Pat Sample Policy: XXXX-0000 Renewal period: 12/01/2026 to 12/01/2027 Dwelling coverage $300,000 Personal property $150,000 Actual cash value All-peril deductible $1,000 Renewal premium $1,736.00 Payment due by 11/24/2026 ==================== PRACTICE - NOT REAL ====================
How did you do? A good AI answer:
- Lists both periods and the 11/24/2026 due date.
- Quotes the premiums: $1,240.00 last year, $1,736.00 now.
- Flags the $496 jump (40%).
- Flags personal property: replacement cost changed to actual cash value.
- Says the $1,000 deductible and $300,000 dwelling did not change.
- Does not tell you to switch or cancel.