Very disappointed with Herrmann. I rarely leave reviews but wanted to note my experience for anyone considering working with them. I worked with Aaron at Hermann and received a quote on June 5th for my home and auto. It looked great so I asked him to extend the quote to my rental. He got that to me on July 11th and my home quote was $2,586. I then asked for a quote that includes an umbrella policy so we could finalize things and he sent me a quote packet with all policies two weeks later on July 26th. When reviewing, I noticed the home quote went from $2,586 to $3,435 (!!) with no changes in the policy or deductibles. I asked about it and he said that Travelers had a rate change on the 14th and that "stuff like this happens more than you'd like to see". State Farm was now the most cost effective option so we let him know we'd be staying with State Farm for our home and auto but would still like to get a standalone quote for our rental. So he worked up a new quote with American Modern and sent it to me on July 29th. On August 21st, I let him know we'd like to move forward with it (our insurance was set to lapse on the 27th). At this point, the frustrations have been centered around decisions outside their control. Premium changes by Travelers, deductible changes, etc but this all changed over the next few days. On August 22nd, three business days before my insurance was set to lapse, he told me American Modern doesn't offer extended replacement costs and that he wasn't sure coverage was sufficient. I sent him my AmFam renewal and State Farm quote which both had dwelling coverages of under $500k and no extended replacement costs either and let him know we were okay with the $500k policy as he even stated the property value at $486k. He let me know he'd speak to his boss but he wasn't sure he'd approve it. All this happened last minute as well, well after we had an agreed upon policy quote. Morning of August 22nd - he said his job is frustrating with changes and that he shouldn't have given me the quote. I let him know we're okay with the $500k coverage and that he'd speak to his boss. This was before 9am and he said he'd try his best to get the answer today. Evening of August 22nd - After following up at 4:30, he said his boss' light has been red all day and he was still waiting to hear back. August 23rd - I called him at 3pm as I hadn't heard back. We're now 2 business days away from lapsing coverage. He hadn't spoken with his boss yet but told me he'd probably say no. So I told him I'd sign a liability waiver stating I would not pursue any additional rebuilding costs beyond the $500k limit if I was to experience a total covered loss. He let me know he didn't see a reason to decline it if I take on that extra liability and that he'd check with his boss. I asked him if he can call me back by EOD to keep me posted even if there was no update. He promised he would. I never heard back. I called, emailed and texted. The day before my insurance lapsed, I left a pleading voicemail to call me back as he assured me he'd get back to me well before anything lapsed. I was able to find another company that took care of me in time. I understand we live in an ever evolving insurance world right now and agents are dealing with frustrated clients because underwriters and insurance companies are constantly changing pricing and terms. But when the ball went to Hermann's quote, they pulled the quote out from under me last minute and went radio silent. If you have an insurance need, I'd recommend thinking twice before choosing Hermann. Had I continued to rely on his word, I'd be sitting with lapsed coverage right now and a slew of unreturned communications. Also, because I see that this agency responds to most negative reviews, I would like to state I have emails backing up every single point I've made here. I understand mistakes happen and unforeseen circumstances come up. Maybe Aaron got sick or had to call out of work. But I was left holding the bag without any responses to any of my communication attempts. read more