Posted On: August 19, 2008, 10:29 am CDT

Posted By: Good Agent

My point exactly. To both of your response. In our office our Customer Service people always send out renewal questionaires to see if there has been any changes to the home and to ask if they need any additional coverages such as Flood, Earthquake or more Jewely coverage, Also on any new account, we never compare Apples to Apples. On a home policy there is no such thing. We refigure everyones home insurance based upon there current information not what they are currently insured for. This was changed a few years ago when companies starting needing all new replacement information. If agents are doing this and just matching coverages then there looking for a E & O claim. We don't live in a perfect world so there is always going to be someone who said we did not offer something. We now are starting to have them sign something stating what we did offer. At least it is some protection. I still say these online companies selling auto and home insurance should be banned and done away with. No one should purchase insurance to protect there assests on the internet. No agent is there to explain what you are purchasing.