Posted On: January 26, 2005, 3:17 pm CST

Posted By: Bob Bartlett

From experience I can tell you that many times when the Prospect/Client has insurance with another company they do not want you to insure the home for more than they already have. It can be very difficult to convince the Client that you are going to (by virtue of the Marshall/Swift Software), raise his Property Insurance Coverage and also his rate. Marshall & Swift should be responsible for the "Quick Quote" part of the software, if it is not accurate for the Agent to use. I take time to ask all the details of the home and try to make it as accurate as possible. In doing that, there is no reason to use the quick value that the Quick Quote gives you UNLESS you are just trying to be certain the amount is similar to the amount the Client already has for replacement cost. I encourage the Client to make SURE that they can rebuild their home if they have a total loss. We as Agents cannot control the builders who greatly increase their rates after the "cat" has destroyed many homes in the area.