Danger, Will Robinson

I've noticed that on every single Farmers Insurance commercial I've seen, the person giving the surely authentic testimonial says something like "Five days after I talked with my Farmers agent, we had a fire in our house and lost everything." or "Just two weeks after contacting our Farmers representative a devastating flood took every last thing we owned." or "It wasn't a week after I got with my Farmers agent that the hurricane hit."
Seems to me that it's mighty dangerous to talk with these Farmers people...