Boat, Home, Auto and Umbrella Insurance

[kaydano]

If you have Allstate for home and auto, RUN RUN RUN RUN RUN to your phone and call someone else for a quote.  I did today.  I'll be saving $1300/year.  And I'm getting better coverage.  I like the "Mayhem" commercials, but I can still watch them without paying for them.

Also checked into a $1M umbrella policy.  Only ~$200/year.  Never asked before, but I never thought it would be that cheap.  Wife's first question was does it increase our liability coverage if someone gets hurt on the boat?  Apparently I pull tubers too fast.  Shouldn't have bought the 150 HP.  HA HA HA HA HA!

I did learn the Umbrella policy would not cover the gap in spill coverage if I went with Progressive for boat insurance.  Progressive doesn't cover the federal spill limit, so if you have Progressive, you likely have a gap in coverage for spills.  If you think your umbrella covers that gap, you might be right.  But you should check to be sure.  I was told no.

Just some info I thought I'd pass along.

 

[lakeliving]

I stopped working for an insurance company back in May. After I left I called to see what would happen at renewal because of my employee discount. They advised it would come off at the next renewal and thanked me for letting them know. The renewal paperwork came this week and what do you know, they never removed it. Called again but now they are stuck honoring it for another year as the renewal already issued! I did everything I could do aside from accessing their system and removing it myself.

 

[Link]

Honesty has it rewards Lakeliving.  What are you doing now?

 

[lakeliving]

I'm now working at Consumers Energy as a Insurance Analyst in the risk dept. Responsible for making sure powerplants, gas lines, fleet vehicles etc are properly insured. And when claims arise negotiate settlements with the insurers. It is pretty interesting.

 

[spinzone]

I'm now working at Consumers Energy as a Insurance Analyst in the risk dept. Responsible for making sure powerplants, gas lines, fleet vehicles etc are properly insured. And when claims arise negotiate settlements with the insurers. It is pretty interesting.

Glad to see I'm not the only Insurance nerd on here!

 

[lakeliving]

Broker?

 

[spinzone]

Started my career as a broker but have been on the company side for the last 15 years.

 

[Pittsburgh]

2 homes , cars, boat, golf cart, jewelry , umbrella

They have switched my main residence a couple of times

Asked me to change my plates and driver license to other state  

Finally discontinued the umbrella because they cant determine where my main residence is 

So shopping around and buying what I see as a good fit