Couldn’t agree more about not getting too cozy with one insurer. I’ve seen folks stick with the same company for years, thinking they’re getting a deal, only to find out their neighbor’s paying way less for the same coverage. One thing I’d add—double-check how your deductible and coverage limits compare when you’re shopping around. Sometimes a lower premium means you’re on the hook for a lot more if something actually happens. Learned that the hard way after a client’s claim didn’t cover nearly as much as they thought... Not fun.
Sometimes a lower premium means you’re on the hook for a lot more if something actually happens.
That hits close to home. I remember one project where we went with a “cheaper” policy for a rental, thinking we were being clever. Fast forward to a burst pipe in January—turns out, the water damage coverage was almost non-existent. Ended up costing more out-of-pocket than if we'd just paid for better coverage upfront. Lesson learned: I always read the fine print now, even if it takes an extra cup of coffee.
Lesson learned: I always read the fine print now, even if it takes an extra cup of coffee.
- Been there. I’ve seen clients get burned by “bargain” policies that barely cover the basics.
- Cheapest isn’t always best—especially with older homes or rentals. Those exclusions sneak up on you.
- I always tell folks: compare coverage, not just price. Ask about water damage, liability, and loss of use.
- Fine print’s a pain, but it’s better than a surprise bill later. Learned that the hard way myself after a hail claim got denied... never again.
Yeah, I’ve had to learn the hard way too—one “affordable” policy left me footing the bill for a busted pipe. Now I always dig into those exclusions, especially with older properties. Sometimes paying a bit more upfront saves a ton of headaches later.
Yeah, exclusions are where they get you every time. I’ve been burned by “cheap” policies too—one didn’t cover water backup, and I learned the hard way when a sump pump failed. Now I always ask for a sample policy and go through it line by line. It’s tedious, but like you said, paying a little more upfront can save you from a nasty surprise down the road. Sometimes the cheapest option just isn’t worth it, especially with older homes that can be full of surprises.
