I am fairly new to insurance, but I used to work for a document imaging company as an installer and trainer. The advice that we use to give is this. What would you need to duplicate a complete file if you needed to for legal reasons? We would sit down with cusomter and come up with a list of items. ...

I am also new to Personal Lines. I have switched policies midterm. I also asked for minimum down so that they have time to get the refund from one company.