Bundling, and other red herrings

Most of the insurance advertising budget is spent on things that don’t do anything to help you get what you need.  Pricing tool.  Accident forgiveness (which is basically just you paying for your accident ahead of time, thank you very much).  New vehicle replacement (again, they’re not doing this for free).  Bundling.  Do you know if any of these good for you?

Next time you see or hear an insurance commercial, ask if it relates to helping you select what’s best for you or whether it addresses their agenda of mass producing insurance policies at prices and with coverages they’ve already figured are good for them.

I’d immediately fall in love with an insurance company who’d say something like “Did you know our insurance policy puts a restriction on how much you can recover for theft of your jewelry, and that it doesn’t cover jewelry at all if you lose it?  We’ll help you decide if that’s okay for your situation, or whether you need to add a special schedule of coverage.”