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Old 03-14-2026, 11:12 AM   #140
Superfraggle
First Line Centre
 
Join Date: Nov 2003
Location: Calgary
Exp:
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Quote:
Originally Posted by Wormius View Post
You can also change your coverage every year as well. If you’re no longer in possession of a pricy collection of 19th century Dutch art, or if the cost to replace a hail-damaged roof would be more out-of-pocket than covered by insurance, you can reduce your coverage accordingly.

It’s just a yearly exercise and one that we personally put off for too long until we had that frog in the boiling pot of water moment with TD and realized our rates became too stupid to ignore anymore. We switched over to the Personal cause they had association rates, but even without they were cheaper than TD with equivalent coverage.
I honestly don't know what this argument is about. Yes, you can change your coverage and company every year if you want to. I'm glad that you found the coverage you wanted at a better rate.
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