This is why we don't offer health insurance ;-) Typically, insurance is not a scam. It is written out in black and white what is covered and what is not. Where people usually get angry is due to miscommunication. This is why having an agent to ensure the process goes smoothly is essential. Most complaints we hear from bad claims experiences is due to miscommunication, not that something in the policy listed as covered was actually not covered.
Another element is clients not learning until after a claim that they did not have the proper coverage. This could be because the agent didn't explain it to them, the client didn't read the policy language, or the client didn't respond to prompts to do annual reviews of their coverage.
Once you import your insurance information (5 minutes) and we have a phone call to get personal info (15 minutes) it takes 24-48 hours to build a finalized proposal with a side-by-side comparison and video walk through. A final phone call (15 minutes) to make adjustments and get payment info and you are switched. You digitally sign documents from your new carrier and from us (2 minutes) to notify your prior insurance company to close out your old policies and you're all set!
This is a loaded question. The general rule is if it is sudden and incidental then it might be covered. If it happens over time it is usually not covered as this is considered maintenance.
Big exclusions on home insurance are flood and earthquake. Both of those need to be added to a policy to be covered. On auto the big exclusion is anything that is not the car... roof racks, sound systems, contents of the vehicle, etc. Some of these can be added to car coverage and contents are covered under a home or renters insurance policy.
A few different reasons and no, it's not so we can work the numbers. If only we had that much power! It's so we can easily get the vehicle identification numbers for vehicles, catch if there are any extras to add you may have forgotten (jewelry riders, etc) and to have policy numbers and contact information for that company so if you decide to change we can send them your signed cancellation request.
Insurance Agencies get paid 9-15% of the premiums you pay to the insurance company.
Nope, we handle that for you.