The competitions between property insurance companies in Taiwan have been getting fiercer recently. The property insurance products now become necessities. With increasing property insurance products in the markets, consumers focus on four elements in an insurance company to repurchase: corporate image, service innovation, convenience and inertia (habitual) behavior. When people accumulate their property insurance products experiences, the inertia behavior of consumers then established. This inertia behavior will also affect corporate image, service innovation and convenience of property insurance companies. The target of this study is to find out the key element to affect consumers to repurchase, and also to find out if the inertia behavior reinforced consumers to repurchase.