DD
Dave Duggan
Dec 10, 2025
I received a solicitation in the mail for homeowner’s insurance noting an estimated annual premium. The solicitation included my address as well as a picture of my home, and included the primary coverages such as Dwelling, Separate Structures, Personal Property and others, with coverage amounts. The Estimated Annual Premium was significantly lower than my current premium with a different insurer, so I contacted the agency and requested a formal quote. An agent contacted me and went through some specific questions, then provided me with a quote that was almost $3,000 higher than the Estimated Annual Premium, despite the fact that the coverage amounts in the quote were only nominally different than the figures in the solicitation.
I find this to be highly unethical given the fact that the solicitation specifically noted my address, estimated coverage amounts based on my home’s estimated value, and also included a picture of the house. The agent could not satisfactorily explain why the quote was so different vs. the solicitation, citing things such as the actual quote being based on history of claims, etc. I noted there have been no claims, which she was aware of.
I ended the call by stating I found the solicitation to be not only misleading but highly unethical. I will not do business with this agency, and in good conscience could not recommend the agency to any friends or family.