Tracking insurance policies can get tricky, especially if you have multiple plans—home, auto, health, or life insurance. A simple way to keep everything organized is to use a Google Sheets tracker. It will help you easily track important details like renewal dates, policy numbers, and premium amounts all in one place.
Why should I track my insurance policies in Google Sheets?
Tracking your insurance policies helps you stay on top of deadlines, avoid missing payments, and have all your information ready if needed. Google Sheets is great because it’s free, accessible anywhere, and easily customized.
Step 1: Set up a new Google Sheet
Open Google Sheets and create a new blank spreadsheet. Click on the name field at the top to name your sheet something simple like “Insurance Policy Tracker.”
Step 2: Add your column headers
In the first row of your spreadsheet, enter the headers for the information you want to track. Common examples include:
- Policy Type (Home, Auto, Life, etc.)
- Policy Number
- Insurance Provider
- Start Date
- End Date/Renewal Date
- Premium Amount
- Payment Frequency (Monthly, Quarter, Annually)
- Contact Info (Agent or Provider)
Feel free to add more columns if you need to track other details specific to your policies.
Step 3: Enter your policy details
Now, fill the rows under each column header with your insurance policy information. Each row should represent one policy, making scanning and comparing the details easy.
Step 4: Use Dropdown
You can use Google Sheet’s dropdown menu to automate recurring information without manually inputting repetitive details. To add dropdowns, select the column where you want to put them, then select Insert > Dropdown. Then enter the options you would like to use.
Step 5: Customize with colors
You can use colors to make important details stand out. For example, highlight policies expiring soon in red or use green for those just renewed. To do this, select the cells, click the paint bucket icon, and choose your preferred color.
Step 6: Add a New Spreadsheet for Detailed Benefits
Now that you have your main tab, you can elaborate on each insurance policy you have. To do this, click the “+” icon at the bottom corner of your sheet to add or create a new tab. In this case, I will use each policy name to label the new tabs.
Step 7: Create Customized Categories for Each Tab
Once you have your tabs all set, you can start adding categories inside each tab Here, I’ll be doing the Auto tab first.
Inside the Auto tab, you can start by adding a table with all your important information. You can include fields for your name, policy number, contact details, effectivity date, expiration date, and premium amount.
Step 8: Calculate Expiration Alerts
Add a column labeled Days Left next to the Expiration Date to track expiring policies.
You can use the formula:
=DAYS(C13, TODAY())
Replace C13 with the expiration date cell. Drag the formula down for all rows. Now, you’ll see how many days are left for each policy.
Step 9: List Down the Policy Coverage and Other Insurance Benefits
Create a table with a detailed list of your insurance policy’s coverage and limitations. You can include fields for Liabilities and other comprehensive benefits.
Step 10: Add a How To Claim Table for Process Inquiries
In case of emergencies and when you need to claim your benefits, sometimes, you might not know where to start. One good thing about having an insurance tracker is you can add instructions or notes for yourself that you can use when you need them the most.
Under your Coverage table, you can add a new table along with the steps to claim your benefits and who to contact when the time comes.
Then, recreate the categories for the other tabs.
If you share policy information with a spouse or partner, Google Sheets makes collaborating easy. Click the “Share” button in the upper right corner and enter their email address. This way, you both stay in the loop about your insurance coverage.
Get the Free Insurance Policy Tracker
Get a copy of the free Insurance Policy Tracker. I’ve populated some cells as examples, but you can customize them as needed.
Final Thoughts
Having a clear, organized system for insurance policies can save you time and reduce stress. Staying on top of renewals and payments becomes much easier with everything in one place. Keeping things simple and accessible is key, and Google Sheets offers just that—an easy, practical tool for everyday life.
Frequently Asked Questions
Use the SUM formula to calculate the total premium cost for all policies. For example, if your premium amounts are listed in column F, you can type =SUM(F2:F10) in a new cell. This will give you all premium amounts from rows 2 to 10.
Is there a way to highlight policies that are about to expire?
Conditional formatting is perfect for this. Highlight your “End Date/Renewal Date” column, then go to Format > Conditional formatting. Set a rule to change the cell color for dates within the next 30 days so you can quickly spot policies nearing their renewal date.
Can I filter specific insurance types, like only auto insurance?
Yes, use Google Sheets’ filter feature to focus on specific policy types. Click on Data > Create a filter, then click the filter icon in the “Policy Type” column. Select only the types you want to view, like Auto, Home, or Life insurance.
