Do you keep expired insurance policies when the renewal comes it?

I do. But there is no reason to keep them. I’m slowly going through my file cabinet to get rid of the stuff I don’t need.

I keep mine too long. I usually get rid of them when they are 3+ years old.

Now you’ve made me think of my closet under the stairs. Oy.

I keep the paper until I go through my files and chuck a bunch of old stuff.

No.

Now that I think about it, I switched insurance companies last year. They gave me the option of receiving all the papers electronically, which I opted for. Yay! Less stuff for me to throw in the closet.

^^ I like the insurance of paper for some things.

I keep it for a while – one or 2 years. I’m not sure why. Maybe I have the suspicion that they are going to secretly change something without me noticing.
“Oh! A meteorite struck your house? Too bad. That coverage was removed in 2020 after the Space Junk Protocol of 2019. You are responsible for the hole in your roof now.”

^LOL!

I have almost all of mine, and they are taking up a huge amount of storage space. I want to keep only a year’s worth so I can tell how much they are raising rates the next time. I don’t see any usefulness beyond a year old policy since it already expired. Can’t claim anything from them anymore.

See? this is why everyone should have a high efficiency wood burning stove. When you finally decide to get rid of them wait do it on a cold day when you furnace would normally be running. Then start a fire in your stove and enjoy the free heat.
Rough numbers: 20 pounds of paper delivers about the same heat as a gallon of heating oil worth about $4.25 now. If you heat with electricity it saves about $2.50.

I usually keep the current and last expired policy. But don’t think it’s necessary to.