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This week I was contacted by a woman who is being cancelled by her insurance company.  Her story sounded like so many others I have head.  She had purchased her car insurance from an on-line direct writer, her home insurance from another company related to the on-line writer and her Umbrella was from that company as well.  She had two broken pipes in her home during the last 3 years.  The first broken pipe resulted in over $4000 of damage and the second pipe caused less than $800 of damage.  Her insurance company cancelled her home insurance.  Being upset because she had insured with them for more than 10 years she called her company back to appeal their decision.  She soon found that there was no one "On Her Side" to talk with because she did not have an agent.  She felt as if the insurance company had very little sympathy for her situation and the offered no solutions.Homeowners Insurance

I was able to get an exception to write her homeowners policy with Nationwide.  We also are going to write her car insurance and her Umbrella insurance.  The real shocker to her is that all of the Nationwide policies are less expensive than the policies she had with the on-line insurers.  Nationwide was also able to provide her with coverage she either did not have or could not get with her old companies.  Including Uninsured Motorist Coverage on her Personal Umbrella with a $2million limit, Accident and Violation Forgiveness and Vanishing Deductibles. 

As you shop for insurance, don't assume that "Low cost Insurers" are going to give you the lowest price.  Also, if you should have a problem and need an advocate to help you and you have purchased your policy on line or from an "800" number, who are you going to call?  Your only options are to call a lawyer or the Bureau of Insurance.  Neither may be able to help you if the insurance company is acting legally if not honorably.   The insurance industry is filled with complex contracts and processes that are not intuitive to most people.  Having a real professional "On Your Side" can make a big difference when you need it most.
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