Ask experienced agents and few would disagree that home and homestead insurance is among the most complex insurance products. Arcane terminology, baffling terms and conditions, financial or emotional value of the property make selling home and homestead insurance a tricky business where great importance is still given to personal contact. All this makes online sales even more sensitive. Yet, despite much talk about customer centricity most insurance websites in the Czech Republic seem to be missing out what their clients actually feel, think and do.