I’ve definitely had agents look at me sideways when I start grilling them about exclusions. One guy actually said, “You must be a lawyer or something.” Nope, just tired of getting burned by fine print. If they get defensive, that’s usually a red flag for me.
If they get defensive, that’s usually a red flag for me.
I get where you’re coming from, but sometimes agents just aren’t used to folks digging into the nitty gritty. Doesn’t always mean they’re hiding something—sometimes it’s just not the norm. I actually like when people ask about exclusions. Makes my job easier when everyone’s on the same page. If someone’s cagey, though, yeah, I’d wonder too.
I hear you, but I’ve had agents get weird just because I wanted to see the fine print on agreed value for my ‘72 Chevelle. Maybe it’s just not common, but if I’m shelling out for coverage, I want to know what’s actually covered. Has anyone here ever had an agent actually walk them through all the exclusions, or is that just wishful thinking?
Honestly, I get where you’re coming from. It’s not wishful thinking at all to want an agent to walk you through the exclusions—if you’re paying for agreed value, you deserve to know exactly what’s in the fine print. I’ve had one agent, years ago, who actually sat down and explained the details, but it took some persistence on my part. Most seem to just gloss over it or act annoyed when you press for specifics. Maybe it’s not the norm, but it should be. Have you tried asking for policy samples before committing? Sometimes that helps weed out the ones who get cagey about details.
I totally get the frustration. Last time I switched, I actually made a checklist of questions—stuff like “what’s not covered?” and “how do claims work?”—and just went down the list with each agent. Some were super patient, others seemed bothered, which honestly told me a lot about who I wanted to deal with. Asking for sample policies is smart, but I’ve noticed some companies act weird about it, like you’re asking for state secrets or something. In the end, the ones who were upfront usually had nothing to hide and their prices weren’t always higher either.