Home insurance renewal documents Ontario broker

Answers are general operational information only — not legal, tax, regulatory, clinical, privacy, immigration, or professional advice. Requirements vary by matter, client, and regulator.

Frequently asked questions

What documents do clients need for home renewal shopping?

Typically the current dec page, property details (roof age, updates, occupancy, rental units), claims history, mortgagee information if applicable, and renovation invoices or photos when carriers request them. Verify with your MGA.

When must disclosures be sent for a renewal re-quote?

RIBO guidance expects mandatory disclosures no later than the time of quote for new business and shopping quotes. For renewals, disclosures may appear in the renewal package; new conflicts that arise after issue still need disclosure. Keep written confirmation on the client file.

Should brokers collect roof age at renewal?

Many carriers ask for roof age or replacement invoices at quote or renewal, especially for older homes. Include a roof documentation line when your markets require it — it is underwriting practice, not a universal statute.

How do brokers track multiple renewal quotes?

Keep one client file with approved source documents. Quote comparisons live in your BMS — the intake file proves what the client disclosed.

Can clients upload renewal docs without portal signup?

Yes. Hivi-X guest links support email OTP uploads for clients who prefer not to create an account.

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