We have been working diligently over the last 6 months to get a reinsurance carrier to back us in an instant product for landlords (Questionnaire to sign/bind/pay in 5 min or less) and I wanted to gauge everyones interest on this for all the end users of insruance (landlords, lenders, property management, and insurance brokers/agents) that would like a potential appointment.  

So much of the consumer market is heading in this direction and we want to know several things.

1. Does speed matter more than price?  Is it a combination of both?

2. In what situation will one trump the other?

3. Does transparency and ability to control pricing matter BYOP (what we are calling Build Your Own Policy)?

4. Would you provide extra information if you know that it could drive down your rate?

5. If you were doing capital improvements on an asset and we were able to provide price adjustments mid term for example improving or updating a roof would you be more likely to buy through us or make one improvement over another that could lead to greater savings?

6. Would you be willing to provide a current rent roll, maintenance records, or loan lender information if it could drive down your premium?

7. Would integrating the lender or property manager into the insurance selection process make your life/lenders life easier? (Lender to pull live COI or request mid term adjustments whenever they want?)

What other improvements could we make to the process to make everyones lives easier (Landlords, Property Management, Lenders, Insurance Brokers)?

Would love to hear everyones thoughts on what makes obtaining insurance crappy for the end user.