barney_schwartz-200x300Direct Mail Solicitations

Today, I received two solicitations in the mail that included quotes for my home insurance. Ironically, one of the premiums offered was actually lower than what I was paying with my current insurance company. So what’s the catch?

Most home and auto insurance solicitations assume the following:

  • Maximum Credits
  • Home and Auto insurance with the same company
  • Monitored burglar and fire alarm
  • Minimal Endorsements
  • Foundation Coverage
  • Water Backup
  • Scheduled Items
  • Perfect Credit or Insurance Score
  • Reduced Coverage – One solicitation had my house underinsured by 25%. Others may reduce personal property coverage as well.

If you receive a solicitation in the mail and are curious as to how it compares to your current policy or coverage, please contact us and we can help you figure it out.