Home Coverages
What coverages do we HAVE to go over on a renters policy?
Personal property and deductible
If a customer is asking for a lower premium what coverages can we look at for them to change?
Deductibles
Son lives in the household and drives the car, what questions must we ask?
Do they have their own car and car insurance.
For truelane what two things do we have to confirm to make sure their phones are compatible?
5 years old or newer and data plan!
What president had a policy with the Hartford?
Abraham Lincoln
What is the minimal loss amount for protector plus to apply?
32,900
What states do you have to review UM stacking if included?
FL, NM AND PA
Child lives in the household and drives regulars but only has a permit, what do we do?
We can not include a driver without a valid license would not include and list as has learners permit.
If customer buys a home owners policy in prevail but already has an auto in legacy, what must we do after issuing the policy?
Transfer to nowco service,.
What is the Hartfords logo
A stag
Can my golf cart be covered under my home policy?
Yes if the endorsement is added at 7,500.
Can we suspend liability coverage on a single vehicle policy, if so what would be covered?
No we can not, and the only coverage left on the policy if we were able to would be comprehensive.
N/I mentions son who is outside of the house driving every once and a while, what follow up question must we ask?
How many times is once and a while/how many times in a year.
What is the credit for starting a quote online?
8% discount for those who start their quote online.
When was the Hartford Founded?
1810
What is the max value for a single item to be covered under valuable blanket coverage?
10,000
On prior carrier screen customer mentions not knowing their coverages, later in the call they find them and start reading them off, what must we do on this call?
Go back to prior carrier screen and update bi coverages to match what they have.
If customer mentions having a physical impairment, what is your next step?
Check state gls
In most states how long is a defensive driving course good for?
3
What are the three states that we can insure under 50?
CT, OH AND IL
Name one endorsement that is automatically included on a homeowners policy?
Debris removal, limited fungi wet rot bacteria, ordinance or law.
For MI what are the coverages we need them to have to waive e-sign?
250/500 with unlimited pip
N/I mentions roommate that has a suspended d/l, since they are just a roommate are we able to exclude this driver?
No, we can only exclude drivers who would qualify for our insurance.
In what prevail state do we offer a military discount but only after the policy is issued?
LA
What actor does the Hartford use for their commercials?
Matt McCoy