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Some people do in fact ask us why we offer $10 million in limits for umbrella insurance... that's a lot of umbrellas...

Maybe I'm a bad salesman, but based on your description so far, if you're satisfied it likely isn't worth the chore of changing. Actually, my hope is that fewer people ever have to spend hours of their life dealing with insurance matters, and we can find a new efficiency in a society where everyone is always getting the best policy without having to think about it at all.

Part of what inspired us to do this is a serious frustration with the millions of people that buy the wrong coverages or are overpaying because they don't have the time or energy to shop around. It would be nice if everyone was our customer, but I'm also the kind of person just satisfied to hear you made a little improvement in your own finances.

Coverage Cat actually gets a lot of GEICO customers, because it's pretty often the case you'll find better prices unbundled than bundled. That's not true for everyone of course, but it's true for most folks — a different way of thinking about it is, "Even after a small bundle discount, what's the likelihood the single bundling option is the cheapest" and the answer is that often it isn't.

Just to give you some sense of this, someone with identical underwriting details can often see $1000+ price differences between carriers. So a 10% bundle discount begins to fade compared to something like that.

If you're happy with it, then great, no issue! I think Coverage Cat excels for people that want to get quotes from more than just a single option, have underwriting details that make it so an umbrella policy isn't dirt cheap, and would rather not talk to a salesperson on the phone. But if that isn't you, that's just fine!

Why doesn’t “buy it yourself” solve the problem?

I agree. Google should get a better price here, or drop the perk.

That perk is included along with this life insurance policy so you can evaluate them separately.