I'm probably your target audience - I have umbrella insurance - but I just grabbed it through my existing GEICO/travelers insurance and it was basically painless. It isn't so expensive I felt compelled to shop massively for it and nothing I read above convinced me I'm wrong there?

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remotecar 5 hours ago | parent [-]

If you're happy with it, then great, no issue! I think Coverage Cat excels for people that want to get quotes from more than just a single option, have underwriting details that make it so an umbrella policy isn't dirt cheap, and would rather not talk to a salesperson on the phone. But if that isn't you, that's just fine!

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dgacmu 5 hours ago | parent [-]

Perhaps I'm not making myself clear: There might be reasons I _shouldn't_ be happy with it! Maybe I'm overpaying, maybe I'm missing out on subtleties of one insurer vs another, etc. And I mean, hello, I'm posting here, of _course_ i'd rather not talk to a salesperson on the phone.

Your post actually inspired me to go raise the amount of my coverage. I was paying attention. It triggered some thinking. It even triggered action. But maybe I wasn't paying attention to the part you wished I was.

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remotecar 5 hours ago | parent | next [-]

Maybe I'm a bad salesman, but based on your description so far, if you're satisfied it likely isn't worth the chore of changing. Actually, my hope is that fewer people ever have to spend hours of their life dealing with insurance matters, and we can find a new efficiency in a society where everyone is always getting the best policy without having to think about it at all.

Part of what inspired us to do this is a serious frustration with the millions of people that buy the wrong coverages or are overpaying because they don't have the time or energy to shop around. It would be nice if everyone was our customer, but I'm also the kind of person just satisfied to hear you made a little improvement in your own finances.

	▲	dgacmu 4 hours ago \| parent [-]
		seems reasonable to me! Thanks for responding.

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botacode 5 hours ago | parent | prev [-]

This is great to hear, I'd count this as a success in our book!

After much trial and error, we've come to realize that trying to separate users from their existing insurance arrangements is very hard unless there's some sort of stark event that triggers the switch.

I.e., folks will usually only make a purchase with us if one of the following is true (even if they could save money or improve coverage):

- they're shopping for the first time and want a modern, online-first, service that avoids hassle

- their premiums have jumped

- they were non-renewed

Most users' experience of shopping for insurance has been historically so bad that they're very averse to optimizing it, even if 10m or so could save them hundreds (and in extreme cases thousands) of dollars.