people should be asking when monoline customers call in. Similarly, even with auto and home, ask about umbrella, ask if they have a life policy. Not every time they call, but periodically. I created a policy status SKP (skip) for those that we can't or won't write the matching policy. If we have their home, but they are 90 and no longer drive, enter an auto policy with the SKP status and we know not to bother asking. We had some that were fiercly loyal to us for home, but loyal to State Farm for auto. I was ok with that and did the same. Similarly, if we don't want their auto, because of perpetual DUIs or accidents, we'd also set up the SKP policy. For those that don't have it, enter a QUOT activity when the missing policy is quoted. If someone calls, or we work a renewal and we haven't asked in 3 years (no recent QUOT activity), we ask again. If needed, create a cross-sell bonus program to reward people for writing a cross-sell policy.