ThruTraffic wrote:
...My current homeowner’s agent at State Farm pretty much laughed at me...
Tough to make money if they don't write a policy. Even if it is for some high risk reason, that just means the premium is a lot more. I have forgotten how many times I have changed insurance because of bravo-sierra from the agent. They always start off competitive and raise rates hoping I forgot. One of the things about paying in full annually is they can't sneak in a few dollars here & there on a monthly account debit.
Yeah, it is a PITA, but shop around and move one. Don't lay out the issues for the new agent, let them ask what they want to know. Just tell them you are covered right now but are competitive shopping to ensure your existing agent is in line with the going rates. The agents are in sales, they know they won't get your business if they don't take the time to write you a quote, so don't feel bad about taking their time.
-Eric