Merritt Personal Lines Manual: A Complete Guide to Personal Lines Coverages Introduction

Everyone knows they need insurance. However, no one is ever sure what kind to buy or how much or from whom. No one wants to become an expert. We just want to know what it's going to cover and what it isn't - and how much it's going to cost.

You're an insurance professional (and agent, broker or consultant). But one of the major challenges that insurance professionals face is that so many consumers think the insurance industry is trying to rip them off.

And, since you're the closest thing to an embodiment of the insurance industry that most people are likely to see on a day-to-da y basis, their grumbling invariably involves you. The main way that you can battle this grumbling: be on top of your game. Answer qu estions quickly and without biases or special interests.

This Manual will help you do that.