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Are you sure it was Cover and not another source? Did you search in your browser, Google, etc? Was your existing policy expiring around the same time? Basically

Are you sure it was Cover and not another source? Did you search in your browser, Google, etc? Was your existing policy expiring around the same time? Basically whenever you go shopping and don’t buy, an insurance carrier or agent can assume you bought elsewhere. Be prepared to get communicated to in 11 months. Generally the party you went to directly (agent like Cover or if you went direct to a carrier) owns the relationship so a carrier won’t market you unless you went directly. It’s pretty common for marketers to be able to target you those and many other ways. Also, most (if not all) insurance carriers do not sell personal data and in fact go to great lengths to protect your data. It’s against the law in some cases or breach of contract between agents like Cover (which is probably why Karn is asking who you received mail from). Disclosure: I work at an insurance carrier (not Cover)

whoisjuan 7y ago
I mean. It could have been a very unlucky coincidence but that would be unlikely. I was trying to buy new renter's insurance, since the previous one got expired like 3 months before that. So I was for 3 months without renter's insurance, when I quoted with Cover. That's just to say that there was no relationship between the date of the junk mail and the expiration of the previous policy. I got the quote from Cover, because I was seeing the ads and thought they could offer me a good deal. A week later I started getting this insurance junk mail.
- rubyfan 7y ago
  Yeah if you were seeing ads for Cover then you’re already likely in someone’s “high propensity to buy insurance” list that ad bidding platforms use to target. Insurance companies usually deploy digital marketing capital fairly efficiently and hunt for people who are in the market for insurance. So once you clicked Cover’s ad then likely the ad platform tagged you and you ended up in target lists. There’s a few other ways, like soft pulls against your credit report that usually flag you as interested in insurance. Some companies make it their business to know when your insurance expires. There’s lots of data brokers out there mixing data in a pretty invasive way that will get you into lists.

whoisjuan 7y ago

I mean. It could have been a very unlucky coincidence but that would be unlikely. I was trying to buy new renter's insurance, since the previous one got expired like 3 months before that. So I was for 3 months without renter's insurance, when I quoted with Cover. That's just to say that there was no relationship between the date of the junk mail and the expiration of the previous policy. I got the quote from Cover, because I was seeing the ads and thought they could offer me a good deal. A week later I started getting this insurance junk mail.

rubyfan 7y ago
Yeah if you were seeing ads for Cover then you’re already likely in someone’s “high propensity to buy insurance” list that ad bidding platforms use to target. Insurance companies usually deploy digital marketing capital fairly efficiently and hunt for people who are in the market for insurance. So once you clicked Cover’s ad then likely the ad platform tagged you and you ended up in target lists. There’s a few other ways, like soft pulls against your credit report that usually flag you as interested in insurance. Some companies make it their business to know when your insurance expires. There’s lots of data brokers out there mixing data in a pretty invasive way that will get you into lists.