We only send your information to insurers we quote you with and do our absolute best not to spam (we send 2-3 reminders depending on policy type), our goal is to never call.
In California we specialize in harder-to-insure homes, i.e. stuff that will place with a non-admitted/surplus policy, the goal is to help keep people off FAIR.
RE: cancellation/non-renewal, these do happen but it could happen to your existing deal too unfortunately. No one will force you to switch if it isn't a good deal and our agents do their best to always advise to the user's best interest. Our goal is to retain you as a customer for life (our agents just optimize automatically for you every year!) rather than make a quick buck one year.
A lot of umbrella prices are somewhat parseable (think a simple-ish decision tree) vs auto and home prices which require reverse engineering rate cards to back into the pricing formulas.
Yes, folks come back at the end of their year. Most of the time their price remains the best (non-issue), when there are better options they switch. Carriers have been great partners so far since we bring them much more business than switches (and when the switches happen it's often because risk management wanted to reduce exposure in that region anyway).
We're eyeing nationwide expansion in 2027 or later this year!
They'll enforce the minimums even as a standalone policy, my understanding is it's that the umbrella always "sits" ontop of something. I.e., they want you to clear the other liability limits before they step in to provide coverage.
It is kind of a huge hassle, especially in states like CA or FL where a lot of carriers have withdrawn and the default bundle option isn't necessarily available. We went looking for high pain X feasibility and this is where we landed!
This is great to hear, I'd count this as a success in our book!
After much trial and error, we've come to realize that trying to separate users from their existing insurance arrangements is very hard unless there's some sort of stark event that triggers the switch.
I.e., folks will usually only make a purchase with us if one of the following is true (even if they could save money or improve coverage):
- they're shopping for the first time and want a modern, online-first, service that avoids hassle
- their premiums have jumped
- they were non-renewed
Most users' experience of shopping for insurance has been historically so bad that they're very averse to optimizing it, even if 10m or so could save them hundreds (and in extreme cases thousands) of dollars.
trying to code while driving is a terrible idea, and it is not changed by whether complaining it about it is virtue signalling
"is a lot higher than the chances" - you killing people due to such stupid idea is far far worse, so that despite it being less likely it has far greater negative impact
This is exactly the kind of bullshit that's more signaling than anything realistic. Most people that use a headset in their car or have a chat with a LLM about system design, and sure, nowadays even push some generated code out, don't do this while speeding at insane speeds towards a family. It's 2026, some people might literally be in a self driving car.
Just horrible takes you're somehow equating using your mouth and brain in a car for any non car function to killing people.
I swear to God, you people are just amazing. I hope you never speak to your friends or family in a car. God forbid your child ask you a question. "Daddy, why are cows brown?" cause that would make you engage your brain and kill people.
Signalers... and now I'm ashamed for having posted three comments to this thread with no other contribution than agitating signalers, and myself in the process.
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