As with real estate agents, the barriers to entry for becoming an insurance agent aren't very high. When a customer is more on top of the conversation and the subject matter than the salesperson, it's indeed time to move on from that person.

The agent wouldn't be handling your claim, the claim advocate/adjuster would. Don't let one experience blow it for you, she may be new and she may be a producer and not the actual agent. She followed up, she just didn't have anything to really follow up on. Get more quotes, talk to other agents and take advantage of this time for a coverage review and to ask questions. We're licensed and require continuing education so we are always learning.

Also, call your own agent and ask for a policy review. Besides your family, your home is your greatest asset.

According to the info given she was a licensed agent. I did work with my current office and they came up with some satisfactory changes, so I'm happy where I am. Happier even, after this experience.

I have walked your path recently...looking for better rates with higher coverages and lower deductibles. I really like having a high $100K Med pay on my auto insurance "and" $100 on site windshield replacement. I keep my Hartford car insurance every time I shop around. :0)

I buy a lot of houses. I'm constantly buying new policies.

Nicole, if your at $100 on your windshield replacement, get the cost to decrease it to $0. Generally just pennies to do that.

Lucille, glad it worked out.

two25acres....it's not a comp deductible...it's a feature of their auto policy. My deductibles are high. My vehicles are old.

I let AARP/Hartford quote my cars every year. Every year I say no because the Hartford is 40% more on identical coverage.

Brushworks....Who do you use? Do tell.

Nicole,

I use Safeco. We also qualify for a 20% discount because we drive less than 8,000 miles per year.

Brushworks....thanks! I've never gotton a quote from them...I will today tho!

Edited: yep, they have me on file getting a quote last October. Had them work up a new quote today. Half the liability auto coverage, 1/4 the med pay, 40% less....that was my savings too! I kept my policy. But it was time well spent. I LOVE my policy even more!

Getting competitive quotes on insurance coverage is a good thing to do every few years.

raven, if your neighbor had tree branches overhanging her house, the insurance company has done her a big favor with this incident that has led to her remediating a very dangerous situation. In the meantime, I doubt that she's uninsured if she has a mortgage. In my area, every mortgage has a provision requiring constant insurance coverage. When a policy is cancelled, the mortgage holder is notified and the lender will arrange immediate coverage (at the homeowner's expense) so that there's no gap.

Even more effective than trees to minimize temperature gain from sunshine in hot areas is the use of "Cool Roofs". New but basic technology makes roofs lighter in color and with reflective surfaces so that the heat of sunshine isn't absorbed. Cool roofs are starting to be adopted into local building codes in warmer locations - Los Angeles has done that.