5 Great Insurance Renewal Email Templates To Copy & Paste

Insurance renewal season is a key moment for your business. The right email can make all the difference in keeping your clients on board for another term.

Starting with a template removes the guesswork and helps you craft a clear, compelling message quickly. We've put together five types of renewal emails to show you how it's done.

Tips for Writing Insurance Renewal Emails

• Make it personal. Go beyond their name. Reference their specific policy—like “your homeowner’s policy on Elm Street”—to show you’re paying attention. It proves they aren’t just another number on a list.
• Be direct about changes. If the premium or coverage is different, say so upfront. Don’t hide it in the fine print. A clear, honest message about what’s new and why builds trust.
• Remind them of the value. Instead of just presenting a price, briefly recap what their policy protects. Frame the renewal as a continuation of their security and peace of mind.
• Give a clear call to action. Tell them exactly what to do next. Use a simple, direct instruction like “Renew your policy here” or “Schedule a call to review.” Make the next step obvious and easy.
• Send it early. Give clients 60-90 days' notice before their policy expires. This gives them time to review, ask questions, and make a decision without feeling rushed. It’s a simple way to show respect for their time.

Types of Insurance Renewal Email Templates We Will Cover

1. Policy Renewal Reminder Email Template
2. Renewal Confirmation Email Template
3. Renewal Discount Offer Email Template
4. Expiring Policy Alert Email Template
5. Renewal Process Guide Email Template

5 Insurance Renewal Email Templates

1) Policy Renewal Reminder Email Template

<template>

Subject: It’s Time to Renew Your [Policy Type] Policy

Hi [Client Name],

This is a reminder that your [Policy Type] policy, number [Policy Number], is set to expire on [Expiration Date]. To ensure you have continuous coverage for your [Asset Being Insured, e.g., home, vehicle], we encourage you to renew soon.

We’ve attached your updated policy documents for your review. Please look over the details to ensure everything is accurate. If there have been any changes on your end, such as [Example Change, e.g., a new driver or home renovation], let us know so we can adjust your coverage accordingly.

Renewing is straightforward. Simply [Instructions on How to Renew, e.g., click the link below to pay online or call our office]. If you have any questions or want to discuss your options, we’re here to help.

Best,

[Your Name]

[Your Title]

[Your Agency Name]

[Your Phone Number]

[Your Email Address]

</template>

2) Renewal Confirmation Email Template

<template>

Subject: Your [Policy Type] Policy is Renewed

Hi [Client Name],

This email confirms that your [Policy Type] policy, number [Policy Number], has been successfully renewed. Your coverage is now active through [New Expiration Date].

We have processed your payment, and your updated policy documents are attached. Please keep a copy for your records. We recommend reviewing the documents to ensure all your information is current.

Thank you for continuing to trust us with your insurance needs. If you have any questions about your policy, feel free to get in touch.

Best,

[Your Name]

[Your Title]

[Your Agency Name]

[Your Phone Number]

[Your Email Address]

</template>

3) Renewal Discount Offer Email Template

<template>

Subject: Save on Your Upcoming [Policy Type] Renewal

Hi [Client Name],

Your [Policy Type] policy, number [Policy Number], is scheduled for renewal on [Expiration Date]. As a thank you for your continued trust in us, we’d like to offer you a special discount.

Renew your policy before [Offer Expiration Date], and you will receive [Discount Percentage]% off your premium for the upcoming year. It’s our way of showing our appreciation for your loyalty.

To claim your discount, simply [Instructions on How to Renew with Discount, e.g., click the link below or call our office]. The savings will be applied automatically to your new premium.

We look forward to protecting your [Asset Being Insured] for another year. If you have any questions, please let us know.

Best,

[Your Name]

[Your Title]

[Your Agency Name]

[Your Phone Number]

[Your Email Address]

</template>

4) Expiring Policy Alert Email Template

<template>

Subject: Final Reminder: Your [Policy Type] Policy Expires on [Expiration Date]

Hi [Client Name],

This is an urgent reminder that your [Policy Type] policy, number [Policy Number], will expire in just a few days on [Expiration Date]. We haven’t received your renewal yet, and we want to make sure you avoid any interruption in your coverage.

If your policy lapses, you will no longer be protected. It’s critical to renew now to maintain continuous coverage for your [Asset Being Insured].

To secure your policy for another term, please [Immediate Action Required, e.g., call our office immediately or click here to complete your renewal online]. We can process it right away to prevent a gap in your protection.

If you have already renewed, please disregard this notice. If you have any questions, please contact us as soon as possible.

Best,

[Your Name]

[Your Title]

[Your Agency Name]

[Your Phone Number]

[Your Email Address]

</template>

5) Renewal Process Guide Email Template

<template>

Subject: Your Guide to Renewing Your [Policy Type] Policy

Hi [Client Name],

Your [Policy Type] policy is up for renewal soon. To make everything clear and simple, here’s a quick guide to what you can expect during the renewal process.

First, we will send your renewal documents for you to review. These will include your updated policy details and premium for the upcoming term. Keep an eye out for an email from us around [Date Documents Will Be Sent].

Once you receive the documents, please take a moment to look them over. If you have any questions or need to make changes—like adding a new driver or updating your address—this is the perfect time to reach out. We’re here to help you adjust your coverage to fit your current needs.

After you’ve confirmed everything looks good, you can complete the renewal by [How to Finalize Renewal, e.g., following the payment link in the renewal offer or calling our office]. Once that’s done, we’ll send a confirmation, and your coverage will be set for another year.

We want this process to be as smooth as possible for you. If anything is unclear, just let us know.

Best,

[Your Name]

[Your Title]

[Your Agency Name]

[Your Phone Number]

[Your Email Address]

</template>

What About Using Flodesk?

Now that you have these five insurance renewal email templates, you need a straightforward way to send them. Flodesk provides intuitive email marketing tools built for small businesses, helping you manage and grow your email list. You can create, send, and automate your emails without any background in coding or design, allowing you to connect with your audience and support your business goals.

With our email builder, effective automations, and well-designed forms, Flodesk gives you all the necessary components for your email marketing. We’ve removed the usual complexity so you can focus on sending clear, high-converting emails. It’s a simple approach used by thousands of businesses to get their messages out effectively.

Wrapping Up

These templates provide a solid foundation for your renewal communications, helping you retain clients with clear and timely messages.

Use Flodesk to send these templates and manage your client communications with our intuitive platform. Sign up to start sending emails that look as professional as your business.