Calgarypuck Forums - The Unofficial Calgary Flames Fan Community - View Single Post - Home Insurance - any suggestions on who to use or who to stay far far far away from?

calgarygringo · 03-22-2025, 03:21 PM

Formerly in insurance. Make sure you ask about or your broker goes through all the coverages. As mentioned some only cover partial repairs or prorate them. Things like roofs are classic. Lots of small discounts that can add up quickly but if your broker never asked you may not get them. Remember where you live makes a difference too. Rates are based a lot on data. If your postal code is in an area that gets bad hail over and over that area will have higher rates. If you live in a high crime area the data will show it and you will pay more. Newer things like furnaces and hot water tanks, siding types will get discounts too. Unfortunately many brokers never ask and nobody hears about this stuff. Thats also why its impossible to compare 2 peoples policies.

03-22-2025, 03:21 PM	#165
calgarygringo Crash and Bang Winger Join Date: Dec 2012 Exp:	Formerly in insurance. Make sure you ask about or your broker goes through all the coverages. As mentioned some only cover partial repairs or prorate them. Things like roofs are classic. Lots of small discounts that can add up quickly but if your broker never asked you may not get them. Remember where you live makes a difference too. Rates are based a lot on data. If your postal code is in an area that gets bad hail over and over that area will have higher rates. If you live in a high crime area the data will show it and you will pay more. Newer things like furnaces and hot water tanks, siding types will get discounts too. Unfortunately many brokers never ask and nobody hears about this stuff. Thats also why its impossible to compare 2 peoples policies. Last edited by calgarygringo; 03-23-2025 at 08:26 PM.