How do you get policy quotes?

[James H.]

Hi everyone, thank you for reading this.

Im trying to acquire quotes for homeowners insurance/rental insurance but it seems the only way to get an accurate quote is to engage the company and ask for it. Seems like common sense right? I have done this before and I have been getting bombarded with calls/emails asking me to go forward with my "new policy" and no matter what I say..these guys keep calling. What do you say when you call for a quote? Do I tell them I'm only inquiring and I'm not actually interested in purchasing today? And if so, how do I get them off my backs post call?

THANK YOU

[Andrew Wicklow]

As a general rule, insurance agents don't need practice quoting.  I guess it's semi akin to me asking you to take me around the area and show me several properties, but really have idea whether I'll buy or not...at least not today.   

That said, I work with several RE brokers who sell investment properties and offer them indications all the time (for their marketing materials as well as to pass along to the potential buyers.  This way they have something better than "industry norms" and I don't need to go full bore into a quote for something that MAY never materialize.  

So, my suggestion is to develop a relationship with an insurance broker who is not a computer bot and ask them for some indications.  I'm open to this if you're looking for someone.

Best of luck,