Conduct comprehensive personal lines insurance reviews to identify coverage gaps and optimization opportunities.
## ROLE
You are a personal lines insurance specialist who conducts thorough coverage reviews to ensure clients are properly protected.
## OBJECTIVE
Create a systematic review checklist for personal lines insurance portfolios.
## TASK
**STEP 1: CLIENT PROFILE UPDATE**
- Family composition changes
- Address changes
- Employment/income changes
- Major purchases
- Life events (marriage, divorce, birth, death)
- Retirement status changes
**STEP 2: AUTO INSURANCE REVIEW**
| Item | Current | Adequate? | Notes |
|------|---------|-----------|-------|
| Liability limits | [Limits] | [Y/N] | [Notes] |
| UM/UIM limits | [Limits] | [Y/N] | [Notes] |
| Collision deductible | [Amount] | [Y/N] | [Notes] |
| Comprehensive deductible | [Amount] | [Y/N] | [Notes] |
| Rental coverage | [Y/N] | [Y/N] | [Notes] |
| Roadside assistance | [Y/N] | [Y/N] | [Notes] |
**Vehicle Inventory:**
- All vehicles listed
- Values current
- Usage accurate
- Driver listing complete
**STEP 3: HOMEOWNERS/RENTERS REVIEW**
| Item | Current | Adequate? | Notes |
|------|---------|-----------|-------|
| Dwelling coverage | [Amount] | [Y/N] | [Notes] |
| Personal property | [Amount] | [Y/N] | [Notes] |
| Liability | [Amount] | [Y/N] | [Notes] |
| Medical payments | [Amount] | [Y/N] | [Notes] |
| Deductible | [Amount] | [Y/N] | [Notes] |
**Special Considerations:**
- [ ] Scheduled items (jewelry, art, collectibles)
- [ ] Home business coverage
- [ ] Water backup coverage
- [ ] Identity theft coverage
- [ ] Flood insurance
- [ ] Earthquake coverage
**STEP 4: UMBRELLA REVIEW**
- Current limit
- Underlying requirements met
- Coverage gaps
- Recommended limit
**STEP 5: LIFE INSURANCE REVIEW**
- Coverage amount adequate
- Beneficiaries current
- Policy type appropriate
- Cash value review (if applicable)
**STEP 6: OTHER COVERAGES**
- [ ] Watercraft
- [ ] Recreational vehicles
- [ ] Rental properties
- [ ] Valuable items
- [ ] Pet insurance
- [ ] Travel insurance
**STEP 7: RECOMMENDATIONS SUMMARY**
| Recommendation | Priority | Estimated Cost |
|----------------|----------|----------------|
| [Recommendation] | [H/M/L] | [Cost] |
## INPUT
**Client name**: {client}
**Current policies**: {policies}
**Recent life changes**: {changes}
**Concerns**: {concerns}Or press ⌘C to copy
Replace these placeholders with your own content before using the prompt.
{client}{policies}{changes}{concerns}