BE AWARE...Large fee for customer to cancel!Assumption: they didn't want to offer an Umbrella.Hint: DO NOT docusign until they have quoted everything you need.*Shopped AAA (Texas) for quote due to high rate of increases with current carrier without any claims for decades.*Started 2 weeks before renewal to allow for getting everything in place:auto, home, umbrella, boat, all normal coverage for us.*Got Home and Auto easily enough. Auto was comparable, home was significant savings. Charged me almost immediately...13 days before coverage was to begin.*Was supposed to be "referred" to another department for Umbrella quote. Wasn't contacted, so went online, to no avail, called to kickstart process. Did reach an agent, and was asked many, many questions...which was fine. Proud of "boring" life...no law suits, no claims, no accidents, good credit rating. Umbrella was higher than had been suggested (double!) but better than current carrier. BUT, told we would HAVE to add Boat policy, which seemed fine, until double the cost was quoted. Never got a firm quote on either of those.*Finally got a brief email days later (AFTER auto/home policies began....yep, two weeks after starting the search) rejecting our Umbrella application,because of rental property in another state. It is NOT a rental property, but no one bothered to clarify.*Umbrella was a requirement of ours, auto and home policies only are not a comfort level for us.*Took four days to get someone to cancel the policies over the phone. So, 6 days of double coverage.*Now, cancellation will cost me a penalty of $399, although the fault in not getting timely quotes/"denial" is totally on AAA Texas.Would have thought that two weeks would have been enough time to get everything in place..or denial of coverage.
