A policy’s effective date (policy term) refers to the date coverage becomes in force for the home.
For Quotes
You can change the effective date on a quote by going to the Property tab in the Portal. Please take note of the latest policy effective date. If the policy is not issued on or before this date, the quote will expire and a new quote must be started.
For Issued Policies
You may only update the policy term for issued policies that are not yet effective. Outside of that time period, you may contact our Customer Experience team via webform or chat to request the change.
To change the effective date:
- Search for a policy and click View.
- Choose Policy Actions
- Select Change Effective Date
- Choose the new effective date, and you’ll see a summary of any premium changes. (Right-click and choose Open Image in New Tab to view larger.)
- Click on the Next button to see the review of the change.
- 6. Click on the Issue button, and you will get confirmation of the change and be notified that new documents are available.
- Click the View Documents button to view the new documents.
To learn more about how the Effective Date (Contract Term) can impact a premium, see our articles How Does a Policy's Effective Date Change the Premium? and What Is the Advance Quote Discount?
For further assistance, contact us via our webform or Live Chat.