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MessagePosté le: 30 Mar 2018 à 11:53    Sujet du message:  Personal Lines Question Répondre en citantRevenir en haut


My question is offered with the full knowledge that in the world of insurance, an agent cannot win nor retain every account, despite his/her best efforts, and to carry around every 'lost' account in one's belly is an inviation to lunacy.

But that said, is anyone, primarily in California, noticing how a handful of direct writing personal lines companies have pretty much thrown out the underwriting manual and are taking some pretty bizzare property risks at preferred rates?

I've had Protection Class 10 dwellings with no on site municipal water, only a well fed tank, on a dirt road 5+ miles from a responding volunteer fire dept go to State Farm at preferred rates. I've had a dwelling high up on an urban hill, on pier/post stilts, surrounded by urban brush to go CSAA. And most recently, a home with a pending 'farm' exposure, on well water with tank, no hydrants, 5+ miles on a two land winding road from responding fire station go to another direct writer at preferred rates.

I know that California personal lines companies are hungry in this slower market, and risks that just choose to do business someplace else have never bothered me. But when underwriting rules are completely suspended in the interest of market share, doesn't it seem as though the actuarial tables are being stretched a bit?

Please help

I didn't find the right solution from the internet.

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