Hi all! We are having a couple of issues with our personal lines markets in NY & NJ.

1. Monoline homes: Most carriers we write with will not write the Home without the Auto. This is a bigger problem in NJ than in NY, but still a hurdle
we need to overcome in both states when we have to compete against Geico's auto pricing. Who are you all placing your monoline homes with?

2. High Valued Homes: Most of our carriers will not write a home with a dwelling limit higher than $1.2M and most high value home carriers want homes
starting around $2M. Chubb can write the homes in between, however their pricing is much higher than the direct writers we come up against. Where are
you all placing these homes?

3. Marketing: What type of marketing do you all do? We have a great website and Facebook page, however we do not see a lot of new business come our way via these channels. Have you had success with local commercials, mailings, diner placemat advertising, etc.?

I look forward to reading all of your comments.

Fran,

Regarding your #3 item - you can check out http://transformermarketing.com to see if its a fit for your agency. There is a contact form on there that you can fill out and the Director of the Department will be in touch soon after to discuss your unique needs.

-Adrian

Fran, I'd be happy to discuss any gaps in your current marketing plan. Transformer Marketing has successfuly assisted P&C, Life Advisors and Financial Advisors with a solid and fully managed marketing program. We have many packages to meet your budget limits. We employe only proven methods so we dont waste our time or your money!

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