House Rules
Single family dwelling, owner occupied
What is a homeowners policy?
I hit a deer
What is comprehensive coverage?
This acronym describes different categories of conversation topics
What is the FORD method?
This endorsement increases sub-limits in the policy jacket
What is extended coverage? Jewelry, furs, cameras, musical instruments, silverware, fine arts, golf equipment, firearms/fishing gear, stamp/coin collections, business personal property
Our typical homeowner policies includes this amount of liability coverage at a minimum
What is $300,000?
Multi-family home, owner occupied + relative occupied
What is a multifamily homeowner policy?
My car broke down on the side of the road
What is roadside coverage?
This technique involves matching the client’s tone, pace, and energy to build trust quickly
What is mirroring?
Though many assume it's part of standard coverage, this specific endorsement is required to cover damage from sump pump failure or backed-up drains.
What is water and sewage back up?
This type of policy coverages any excess liability claims
What is a personal umbrella policy?
Single family home, occupied by owner’s cousin
What is a landlord policy?
I hit a pothole and my car took damage
What is collision coverage?
The reason building rapport works
What is prospects do business with those they know, like and trust?
This endorsement doubles coverage used for motorized land vehicles used to service the residence premises among additional benefits
What is yard and garden endorsement?
This type of accident, often caused by uneven walkways or slippery surfaces, is the most common reason for liability claims under a homeowner’s policy
What is a slip and fall injury?
Single family apartment in an assisted living facility
What is an ineligible policy?
I hurt my neck when I hit a tree in Kentucky
What is PIP coverage?
This question, used towards the beginning of the conversation, helps uncover what they value most in insurance
What is other than price, what is most important to you when it comes to insurance?
Without this endorsement, a driver working for companies like Uber or Lyft may have a dangerous coverage gap between personal and commercial insurance during Period 1 (app on, waiting for ride)
What is a rideshare endorsement?
Trampolines, swimming pools, and discarded autos are all considered these, and they increase liability risk
What are attractive nuisances?
Owner occupied duplex that one side is rented out
What is a multifamily homeowners product with extended premises?
Another driver hit me and I’ve got $100k in medical bills, but they only have $25k in liability coverage
What is Underinsured Motorists coverage?
Rather than asking “Do you have any questions?” you build more trust by ending a conversation with these rapport-based prompts
What are additional probing questions?
This endorsement helps cover the extra costs to bring a damaged home up to current local regulations after a loss—costs that a standard policy often doesn’t cover, especially in older houses
What is building codes coverage?
This is the strategic reason we lead with liability during our sales conversations, even though most clients think they care most about price or property coverage
What is to shift the conversation toward protection and away from price?