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 is the Hartfords logo
Larry The Stag!
What is the minimal loss amount for protector plus to apply?
33,700
What states do you have to review UM stacking if included?
FL, NM AND PA
Child lives in the household and drives regularly but only has a permit, what do we do?
We can not include a driver without a valid license, we 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 president had a policy with the Hartford?
Abraham Lincoln
Can my golf cart be covered under my home policy?
Yes if the endorsement is added at 7,500.
Does Comprehensive Coverage cover Glass in every state?
Yes, Comprehensive covers Glass.
If Glass coverage is included then it will waive the comp deductible otherwise they would pay comp deductible for Glass coverage.
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.
In most states how long is a defensive driving course good for?
3
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 what prevail state do we offer a military discount but only after the policy is issued?
LA
What are the three states that we can insure under 50?
CT, OH AND IL
When asked if they have a Wood Stove, customer says Yes, it was professionally installed and it's professionally cleaned every year. What do we need to do next?
Navigate back to Property Details to add Freestanding Stove in the Fireplace section.
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.
What is the credit for starting a quote online?
8% discount for those who start their quote online.
What actor does the Hartford use for their commercials?
Matt McCoy