certainly nothing of what follows is meant to be rude or an
insult, so please forgive me if you find my comments offensive. I
trying to understand how an educated man in your position,
and in your prior employment situation also, could be without a
basic renter’s Homeowner’s Policy, is more than I can do.
surely the magazine, Multi-Housing news, had articles
regarding renter’s Insurance.
Over the years many hard luck stories made the news when
apartment dwellers suffered a fire and “lost everything.”
next came your decision to choose UsAA over state Farm at more
than double the premium based on the three reasons given. none
of which satisfied any thoughts I might have.
First and foremost, they are both direct-writers. You received
no consultation nor guidance from a knowledgeable insurance
agent. You were not an informed buyer and could have
benefitted from talking to an independent agent with a cIc or
no one suggested the possibility of a non-Owned Auto Policy? Do
you ever rent vehicles?
What about a Personal Umbrella excess Liability Policy? I guess the
state Farm website didn’t offer that either.
then you paid twice as much because of loyalty to the brand—
based on your credit card loyalty, not prior insurance experience.
You could have paid State Farm with a credit card, too.
And the deductible? $250 vs. $500? For a guy who has never had
insurance nor a claim, now you want a low deductible. Why not
consider the premium savings for a higher deductible?
Lastly, neither of those companies advertise in this trade journal.
John L. Black, CIC
The Insurance Center of Durham, Inc.
Increasingly Important Role
For Risk Managers
In sig ated SiFi
Th d ensepres-su mo cificin
dis h beused
in a icant
ins d more
deta es on-bank
Dow F 1
Thef lt casu-altyin in are
notve p rers’
netinc t irst
half of om for
Surplu -L IG
over as th
might see p
WORKERS’ COMP WISDOM
E Page 26
In Exclusive NU Roundtable, Award Winners Discuss Their
Fears & Philosophies—Plus Loss Control, Return-To-Work Strategies,
Incentives, Safety And Educating The C-Suite
See page 15
Photo by Tom Grill/Corbis
Sparks To Fly In
I enjoyed reading your editor’s corner today; however, I am rather
surprised by your decision.
Again and again we educate consumers about having a person
to talk and confer with. We, as agents, as taught to ask hard
questions, to be sure we are not eliminating any coverage, and to
offer our expertise in what is needed.
by UsAA asking four questions, were they really giving you what
you needed or were they being an “order taker” and giving you
what you requested?
state Farm online search seemed to go one step further and asked
for other details. Imagine what an agent who was actually trained
to provide coverage and delve into your individual needs would
have asked . . .
sure, we can all be “order takers,” but when claim time comes, and
you are not insured properly, who is on the line? Will you lose any
assets you have because they have not been protected?
Just a few thoughts from an agent who has been in insurance for
over 27 years
Diana Brettrager, CIC, FSS, LUTCF