Posted On: August 19, 2008, 10:10 am CDT

Posted By: DK

This is my last comment on the subject, I promise.
The "apples to apples" comparison is one of the best examples of poor customer service.
Your life changes, shouldn't your insurance change with it? A home that cost $150/square foot 5 years ago has increased exponentially with the high cost of fuel, copper, lumber, etc. This means your dwelling coverage is horribly out of date if you are just changing an apple for a cheaper apple. This is especially true of floater policies. No one ever gets new appraisals, and agents don't require them, they'll use whatever schedule the previous insurance company used, and everyone thinks they're happy.
A good agent, is a forward thinking agent. "What's going to happen in the event of a claim?" should be on the forefront of their mind. Most people who have been told by their agents "Let's compare apples to apples" are price driven, and end up tragically undercovering their clients.
Ask yourselves this question: when was the last time your agent was in your home, and had a hands on look at the precious lives and belongings they are promising to cover?
In the land of Zillow, an agent can start to think they can conduct business from the comfort of their offices and never get to truly know what their clients actual needs are.