"What are the differences from The Fair Plan [MPIUA]; are there any benefits?"

There can be many benefits to private homeowners insurance. Private carriers often times offer endorsements (add-ons), lower deductibles, and or competitive pricing for like or similar coverage.

"I like the coverage, when can I make the switch?"

Agents can assist in the transition process; communicating the cancellation/non-renewal to your current agent and getting the new policy setup for that same day to ensure there is no gap in coverage and also that there is not duplicate coverage in effect. 

"My current agent said there are no other options, how can you offer this?"

Different agents write for different carriers. A likely answer is that non-coastal agents do not carry the same options as coastal agencies as they only apply for their offices local area.


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