One thing that bothers me is they change my policy limits without permission. Every time they send the renewal, they bump up the coverage limits. I have asked them about this in the past and they said they do it automatically from what I remember, to cover things like inflation. That is fine, but it should be an option, not automatic. I don't want my coverage changed so every year they change it and every year I have to tell them to put it back how it was.
Coverage information is hard to find. I just looked all over the website and it seems there is no way to see the actual coverage details. They tell you your coverage amounts, but it seems if you want to know the details or declarations of what is actually covered you have to request that they send it to you by mail. I have a copy of this from when they first sent it, but I would like to be able to see it online or at least be able to download a digital copy. This should not be that hard.
Also when viewing your coverage on the website, some of the basic information is missing for descriptions of things like “Loss Assessment”, “Damage of Property to Others”, “Medical Payments to Others”. When you click on them to learn more about what it means, it just says “Sorry a description has not been created for that.” These are just the basic items and there are not that many of them. Someone needs to get on this.
Lastly, and this is just nitpicking, but every year they send me a bunch of address stickers with my name and address on them. It was ok the first time, but they keep sending them. I don't need hundreds of stickers with my name and address on them. It's a nice gesture, but there should be an opt out for something like this as well.
I know some of these may be minor issues, but they are things that could be easily fixed and would greatly improve the customer experience. Hopefully they can address some of these issues soon.
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