We understand that cash can be tight sometimes. When the opportunity arises to save a little cash, who wouldn’t want to save money on their Stoney Creek home insurance? After all, cheaper home insurance means more money in your pocket. More money in your pocket means more buying power you have to enjoy life, and do all the things you want to do. However, it is very important to understand when a quote might be too good to believe.
Say you are considering buying a new home policy, keep an eye out as it might not offer the same level of protection as your current policy. If this does not sound like a big deal to you, it will once you go to file your first home claim with the new company, only to learn you will have to pay a large portion of the claim yourself.
How Do I Make Sure My New Quote Isn’t A Cut-Rate Quote?
When it comes to a homeowner’s insurance policy, there are many different coverages on the policy. Most of them are preset and can be lowered to a certain threshold, such as your personal property coverage on your policy. However, when you lower a coverage on your policy trying to save a few bucks, you leave yourself exposed as you aren’t fully protected as you were.
The best approach here is to get a paper copy of your current policy, put it side by side with the new quote, and make sure the new quote matches your current one line by line. If the new quote is nothing more than a cut-rate home quote, you will see it right away using this method.
Watch Out For The Deductible Quote Trick
When you are trying to save money on your home insurance, you must have great attention to detail while entertaining new home quotes. Sometimes, when a cut-rate home insurance company asks to review your declarations page, they tweak their numbers to make their quote match yours, but only in price. For example, an agent might ask for your dec page, and once he or she has a look, and realizes you are with a superior brokerage such as Duliban Insurance Brokers, they increase the deductible on their quote. If you aren’t paying attention to this quote, you could sign up for a new home insurance policy with a new brokerage that appears cheaper, but the deductible could set at $2,500 instead of the industry standard $1,000. This means that if you file a home claim, the claims department will want you to cut them a check for $2,500 before they give you any funds for your claim. Finding this out in your time of need could be enough to ruin anyone’s week.
The Stoney Creek Home Insurance experts here at Duliban Insurance Brokers, always take the time to ensure we are comparing apples to apples when quoting prospects. We even will go over the entire home quote with a client, and speak on each insurance coverage, line by line. So remember, if an unsolicited home quote is sent to you by another brokerage, read all the small details, and you can even contact us, and we can go over the offer with you. If you have a great quote in your hands from another brokerage, we will flat out tell it to you. We really care about our policyholders, and want to see them happy, even if it is not with us.
Did you know you can bundle your auto insurance & home insurance to save money.
To learn more about Stoney Creek Home Insurance, contact the experts Duliban Insurance Brokers at 1-855-385-4226. Our licensed professionals will be happy to answer any questions you have.
At Duliban Insurance Brokers, we are just as serious about helping you save money as you are. With years of experience, and thousands of happy customers served, we will be glad to help you find the best ways to save on your Stoney Creek home insurance policy.
Monday 8:00am to 6:00pm
Tuesday 8:00am to 6:00pm
Wednesday 8:00am to 6:00pm
Thursday 8:00am to 6:00pm
Friday 8:00am to 6:00pm
Saturday 9:00am to 2:00pm