Update Your Policy

Keeping your policy information current is crucial for maintaining proper coverage and accurate pricing. Even small changes can impact your protection and premiums. **Major Life Events** Marriage, divorce, new babies, or children leaving home all affect your insurance needs. Update your policies to reflect new family members, changed names, or different coverage requirements. **Property Changes** Home renovations, new purchases, or installing security systems can affect your coverage needs and may qualify you for discounts. Business property changes or equipment purchases also need to be reported. **Vehicle Updates** Adding or removing vehicles, changing how you use them, or teen drivers getting licenses all require policy updates. Even changes in daily commute distance can affect your rates. **Why Timely Updates Matter** Failing to update your policy can result in claim denials, coverage gaps, or paying for coverage you don't need. Keep us informed to ensure you're always properly protected.

We make policy updates quick and easy with multiple convenient options: **1. Call Your Agent** The fastest way to make updates is calling your dedicated agent. They can make changes immediately and answer any questions about how updates affect your coverage or premium. **2. Online Portal** For simple updates like contact information, you can make changes through our secure online portal 24/7. More complex changes may require agent assistance. **3. Visit Our Office** Stop by our Upper Saddle River office for in-person assistance with policy updates. We can review all your changes and ensure everything is properly documented. **4. Email Updates** Send update requests to your agent via email. Include all relevant information and documentation. We'll confirm changes within one business day.

Having the right information ready makes updates faster: • Policy number(s) for affected coverage • Effective date for the change • Details about what's changing • Supporting documentation (if applicable) • Driver's license info for new drivers • VIN for new vehicles • Purchase receipts for valuable items • Marriage/divorce certificates • New mortgage information • Business license updates