Hi,
So this might be a little long winded to get to my point.
A little history of my luck with insurance agents.
I had AF for almost 40 years, was really happy with AF and the agents until about 5 years ago when a vehicle policy was canceled. Turns out I did not get the notification for renewal and at the time I was very busy with work/travel, etc. and did not remember the policy was due. I talked to the AF agent and asked, aren’t you informed by AF when a policy is about to be canceled and then you contact your customer. His response was no, he was not informed by AF. I found out later that he lied to me and that in fact he did get notification when the policy was due and also before it was canceled. I switched to a different AF agent and really trusted/liked him and when he left and went to an independent agency I followed him. This agent then took a career change and at about the same time we moved and selected a new independent agent closer to our new home but kept the same companies.
Now my homeowners was just canceled. Turns out that AAA ignored a request for an address change made by my new agent this past January and thus the renewal notice did not get sent to me and being asleep at the wheel again a policy was canceled. When I selected my current independent agent I informed of the previous problem and informed I was expecting notification in case anything like this every happened again. He did not have much of a response.
So I am thinking about going back to AF and talked to someone this AM on coming back and asked for quotes. With two homes, AF quoted their Gold Policy on main home which provides +20% coverage to the number their system spits out as the replacement value and for the 2nd home their Silver policy which does not have the +20% coverage increase. So I asked why quote Silver for the 2nd home and the response was to be competitive with other insurance companies. To which I responded, the average Joe is supposed to ask for and additional +20% coverage in case your software estimate is low? Her response, well which do you want me to quote.
So the general question is, do you trust your agents, truly dig into your policies, and let the agent using their software set your home coverage limits? If the coverage limit turns out to be wrong, your screwed.
Any agents please pipe in.