The Work That Fills a Personal Lines Week
Rate increases land on nearly every renewal. Clients call to ask why their premium jumped. Non-renewal notices arrive with deadlines you can't miss. And underneath it, the service work — comparing policies, writing letters, checking for gaps — quietly eats the week.
Three Workflows, Built for Personal Lines
Renewal Review
Drop in the expiring policy and the renewal. Get every change flagged and a plain-language rate-change letter for the client, with every figure traced back to the documents.
Coverage Gap Check
Run the household E&O checklist — umbrella adequacy, missing flood, dwelling limit against rebuild cost, water backup, scheduled valuables. Each finding is cited to the policy and rated by severity.
Non-Renewal Response Kit
Feed in the carrier's notice. The deadline and reason are extracted and cited, with an action plan and a calm client letter — never a guessed date, never invented legalese.
Six Tools, One Promise
Renewal Review
Drop in the expiring policy and the renewal and get a side-by-side of what changed — premium, limits, deductibles, endorsements. The material changes are flagged, and you get a plain-language letter that explains the rate change to the client. Every figure traces back to the documents.
Coverage Gap Check
Run the household E&O checklist against the policy — umbrella adequacy, missing flood, dwelling limit versus rebuild cost, water backup, scheduled valuables. Each gap is cited to the page it came from and rated by severity, so you know what to raise first.
Non-Renewal Response Kit
Feed in the carrier's non-renewal notice and get the deadline and reason extracted and cited, an action plan, and a calm client letter. It reads the date from the notice — it never guesses one — and it won't invent legal language.
Cross-Sell Scanner
Scan your book for mono-line clients and households without an umbrella. You get a list of who fits a second line, and every offer letter it drafts is documented, so you have a record of what was presented.
New-Client Welcome Kit
Turn a new client's policy into a plain-language snapshot of what they're covered for, plus a welcome email in your voice. Both are built from the policy and cited, so the summary matches the paper.
Policy Q&A
Ask what the policy covers and get the policy's own words back, with the section it came from. When the document doesn't answer the question, it tells you that instead of guessing.
Verified by Code, Not Trusted on Faith.
The AI reads the policies and the notices and drafts the letters — but it never invents a figure or a date. Every number in a client letter traces back to a cited document, and anything it can't verify is held back for you to check, not guessed. That's what makes it safe to put in front of a client.
Every figure is traced
A number in a client letter must appear in the cited document, or the letter is held back for your review.
Unverified letters are withheld
Anything that fails the checks is replaced with an explanation of what to verify, so an unchecked draft never reaches a client.
Deadlines come from the notice
Dates and requirements are read from the carrier's own documents, never guessed from memory.
Personal lines stays separate
A focused workspace with the right rules for your market, kept distinct from your other lines of business.
See Personal Lines in Action
Watch how Broker Agentx handles a real personal lines workflow — start to finish.