questions?  To put it simply if you want a quote you do not need that many questions.  If however you want a policy that actually does something the more questions you are asked the better.  Most people prefer a plan that is customized to their situation as opposed to buying what everyone else has.  Every company has at least a dozen separate endorsements you can add to your policy.  Each household has something that makes them unique, why shouldn’t there policies also be unique to them?