BTLRThe Renewal Playbook

Five moments your clients need you between renewals.

Clients shop on price when price is the only thing they ever hear about. Retention is presence: showing up at the five moments coverage actually matters, with something useful. Here they are, with the one-line opener for each.

01

The policy goes on file

Watch for: The first weeks in a new home, when everything is still being set up.

Most clients never read their dec page. Walking them through what they actually bought, in plain language, is the single cheapest trust deposit you will ever make, and it sets you up as the person to call before any carrier mailer arrives.

The opener“Now that you are settled, want ten minutes to walk through what your policy actually covers? Most people are surprised by two or three things.”
02

A big repair raises a coverage question

Watch for: A failed water heater, roof damage, a leak, any repair with a claim question attached.

This is the moment clients discover what their deductible means. If they hear from you before they file a marginal claim, you save them premium increases and save yourself a painful renewal conversation.

The opener“Before you file anything, send me the repair quote. Sometimes paying out of pocket beats what a claim does to your premium, and I will tell you straight which this is.”
03

The home changes

Watch for: A remodel, a new roof, a pool, a home office, an accessory unit.

Improvements change replacement cost and liability exposure, usually without anyone updating the policy. Catching it early is real protection for them and legitimate contact for you, twice a year at most.

The opener“Saw you finished the kitchen. Worth a quick check that your coverage grew with the house, five minutes and probably no change in premium.”
04

Sixty days before renewal

Watch for: The window before the renewal letter lands, while there is still time to shop FOR them.

The renewal letter is where clients start shopping. A broker who arrives first, having already reviewed the market on their behalf, removes the reason to shop at all. This one moment is most of retention.

The opener“Your renewal is coming up in two months. I already ran the market for your profile. Here is what I found, and what I would do.”
05

Life changes at the address

Watch for: A new driver, a new baby, a home business, a room rented out.

Life changes are coverage changes, and clients almost never connect the two. Being the person who does is what makes you their broker instead of a broker.

The opener“Congratulations on the news. Quick thought: this usually changes what your policy should look like. Want me to take a look?”

Watching five moments across your whole book is the catch.

Repairs, remodels, renewal windows, life changes, across every household you write. BTLR watches them as a side effect of something your clients love: a managed home. Their policy sits ON FILE in the dashboard they use every week, your name holds the insurance seat on their Home Team, and the moments in this playbook come to you.

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