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Old 06-14-2019, 10:09 AM   #71
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Originally Posted by HappyInTN View Post
I can tell you the company has no flexablity... the agent may. I have seen it a million times, when the company says we don't write that risk and the agent decides to operate in the grey to make a buck, hoping there is never a sizable claim. The bigger the insurance company is the more black and white there underwriting is. The agents are the difference in most cases.
The agent has a much higher level of motivation than the public-facing insurance company staff, the latter usually operate off computer FAQ branching scripts and cast-in-stone lowest common denominator underwriting parameters with no leeway.

Those underwriters dealing with niche-specialist agents will have and give a lot more leeway.

An agent is like a bookie, if she's got a great track record (high profits from low claims history) the underwriter will give their much more personal assessment of your unique risk profile some credibility.

If an agent thinks your rig and usage pattern etc is too high risk, it becomes very true that they "can't" get you the kind of policy you want.

Yes find another agent, but also, consider what you can do to appear more low-risk, more competent or more conventional / mainstream, when making your case.

Even completely homebuilt rigs have gotten full coverage at a high agreed value, when every step of the buildout was publicly photographed, documented and vetted in a forum.

An agent that services your state with experience with your type of rig, will be very valuable, keep looking!

Or worst case change states.
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Old 06-14-2019, 10:16 AM   #72
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Excellent advice!
Reckon I maybe oughta get caught up on my build thread...
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Originally Posted by john61ct View Post
The agent has a much higher level of motivation than the public-facing insurance company staff, the latter usually operate off computer FAQ branching scripts and cast-in-stone lowest common denominator underwriting parameters with no leeway.

Those underwriters dealing with niche-specialist agents will have and give a lot more leeway.

An agent is like a bookie, if she's got a great track record (high profits from low claims history) the underwriter will give their much more personal assessment of your unique risk profile some credibility.

If an agent thinks your rig and usage pattern etc is too high risk, it becomes very true that they "can't" get you the kind of policy you want.

Yes find another agent, but also, consider what you can do to appear more low-risk, more competent or more conventional / mainstream, when making your case.

Even completely homebuilt rigs have gotten full coverage at a high agreed value, when every step of the buildout was publicly photographed, documented and vetted in a forum.

An agent that services your state with experience with your type of rig, will be very valuable, keep looking!

Or worst case change states.
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Old 06-17-2019, 08:06 AM   #73
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Originally Posted by john61ct View Post
The agent has a much higher level of motivation than the public-facing insurance company staff, the latter usually operate off computer FAQ branching scripts and cast-in-stone lowest common denominator underwriting parameters with no leeway.

Those underwriters dealing with niche-specialist agents will have and give a lot more leeway.

An agent is like a bookie, if she's got a great track record (high profits from low claims history) the underwriter will give their much more personal assessment of your unique risk profile some credibility.

If an agent thinks your rig and usage pattern etc is too high risk, it becomes very true that they "can't" get you the kind of policy you want.

Yes find another agent, but also, consider what you can do to appear more low-risk, more competent or more conventional / mainstream, when making your case.

Even completely homebuilt rigs have gotten full coverage at a high agreed value, when every step of the buildout was publicly photographed, documented and vetted in a forum.

An agent that services your state with experience with your type of rig, will be very valuable, keep looking!

Or worst case change states.
I don't need to keep looking, I am my own agent. Not positive, but I seam to me like I'm on the level.
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Old 06-17-2019, 08:26 AM   #74
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Are you positive?
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Originally Posted by HappyInTN View Post
I don't need to keep looking, I am my own agent. Not positive, but I seam to me like I'm on the level.
Could be you were pulling out all the stops to make a sale to yourself...
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Old 06-17-2019, 09:03 AM   #75
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I don't need to keep looking, I am my own agent. Not positive, but I seam to me like I'm on the level.
I quoted you to show I was confirming, extending your point. Sorry if it seemed I was addressing you specifically.
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Old 06-17-2019, 03:46 PM   #76
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Are you positive?Could be you were pulling out all the stops to make a sale to yourself...

True! You never can tell... now that you mention it... red hair.... cant trust a ginger.
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Old 06-17-2019, 03:47 PM   #77
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I quoted you to show I was confirming, extending your point. Sorry if it seemed I was addressing you specifically.
No not at all.. trying to contribute some comedy value.
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Old 06-17-2019, 04:35 PM   #78
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Ah! A ginger... that explains a lot!
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True! You never can tell... now that you mention it... red hair.... cant trust a ginger.
Hang on... You say don't trust a ginger.
But you bought insurance from a ginger. Yet you advise not to trust gingers...
So therefore, by the transitive property, two negatives result in a positive, so I should explicitly trust gingers...
But if what you first said was the truth followed by a lie, given by the assumption of the first part, ie carrot-top intrinsic untrustworthiness, then the result is a negative...
Excuse my while my head quietly implodes. There's a mop in the corner...
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Old 06-18-2019, 09:40 AM   #79
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Overthininking is my specialty too.
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Old 06-28-2019, 06:34 PM   #80
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Ours is insured through State Farm. Give you local agent a call. If they won't do it, our agent Mike Estrada in West Leb will be able to help.
Anyone have any other leads in NH? I can't even find liability only until the conversion is finished, it seems. I have tags, a MH title, etc already.


Looks like State Farm will work post-conversion, I'm still another month or two away.
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