Cover (YC W16) Helps You Insure Anything with the Snap of a Photo

Re:Cover (YC W16) Helps You Insure Anything with the Snap of... by codingdave on Tuesday March 15, 2016 @04:14PM (#11292619)

Sounds good if I did not already have insurance. But I do have insurance. Multiple policies, some of which are practically free after the multi-policy discounts you get when working with a single broker. And my broker is local, easy to deal with, will drop by if I need him.

I do like the ease of adding a new big ticket item via mobile, but I don't need the middleman, and don't want competing offers from a network of brokers.

Maybe I'm just not the target market. But I suspect there are more people like me who would get a better deal with my current broker vs. a new policy on a single item with a new broker.

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Re:Cover (YC W16) Helps You Insure Anything with the Snap of... by ksar on Wednesday March 16, 2016 @01:05AM (#11295160)

Multi-line discounts are a key selling point of going with one carrier, something a good independent broker should arrange for you.

As an insurance customer, you have the right to switch agent representation at no cost to you (generally). What other value-added services do you think your local broker could offer outside of accommodating the occasional drop-in? What would compel you to switch brokers?

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Re:Cover (YC W16) Helps You Insure Anything with the Snap of... by codingdave on Tuesday March 22, 2016 @03:32PM (#11339318)

I'm not sure there is much that would compel me to change... Finding a broker is a question most people solve when they first start needing insurance. The only reason to switch would be a breakdown of my current broker. It just isn't something I shop for... the problem is solved acceptably in the status quo.

Which is a bit of a problem for this idea... you aren't solving a problem... just adding a new flavor to existing solutions.

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