10-12-2016, 12:22 PM
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#41
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Franchise Player
Join Date: Aug 2004
Location: Calgary
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Both Home and Auto. Might have to take a look elsewhere.
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10-12-2016, 03:11 PM
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#42
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Franchise Player
Join Date: Apr 2003
Location: Not sure
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Always a good time to look around.
When doing so, compare limits (if any) on key things like sewer backup and/or overland water.
Price is not the only thing to worry about these days.
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10-12-2016, 03:25 PM
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#43
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Franchise Player
Join Date: Mar 2012
Location: Sylvan Lake
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Quote:
Originally Posted by GoinAllTheWay
Always a good time to look around.
When doing so, compare limits (if any) on key things like sewer backup and/or overland water.
Price is not the only thing to worry about these days.
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I would also add, roof depreciation. Many policies not have a depreciation table.
__________________
Captain James P. DeCOSTE, CD, 18 Sep 1993
Corporal Jean-Marc H. BECHARD, 6 Aug 1993
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10-12-2016, 04:03 PM
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#44
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Franchise Player
Join Date: Aug 2004
Location: Calgary
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What are you paying for your Insurance Rates?
Quote:
Originally Posted by undercoverbrother
I would also add, roof depreciation. Many policies not have a depreciation table.
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Is this a good or a bad thing? My policy has one, but they also think my roof is 26 years old, when in fact it was redone 5 1/2 years ago (not on a claim).
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10-12-2016, 04:07 PM
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#45
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Franchise Player
Join Date: Mar 2012
Location: Sylvan Lake
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Quote:
Originally Posted by Ironhorse
Is this a good or a bad thing? My policy has one, but they also think my roof is 26 years old, when in fact it was redone 5 1/2 years ago (not on a claim).
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I think it is a bad thing.
http://www.allcityinsurance.ca/wp-co...ndt-INTACT.pdf
__________________
Captain James P. DeCOSTE, CD, 18 Sep 1993
Corporal Jean-Marc H. BECHARD, 6 Aug 1993
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10-12-2016, 05:59 PM
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#46
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Franchise Player
Join Date: Apr 2003
Location: Not sure
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Quote:
Originally Posted by Ironhorse
Is this a good or a bad thing? My policy has one, but they also think my roof is 26 years old, when in fact it was redone 5 1/2 years ago (not on a claim).
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You should really update your insurer. Not only could it significantly reduce your rates (depending on insurer) but could reduce the hassle of a roof claim. No way they would look at a newish roof and treat it like it was 26 yrs old but still, why take a chance?
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10-17-2016, 01:17 PM
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#47
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Franchise Player
Join Date: Aug 2004
Location: Calgary
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Anyone familiar with The Personal Insurance Company?
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10-17-2016, 01:22 PM
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#48
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Franchise Player
Join Date: Mar 2012
Location: Sylvan Lake
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Quote:
Originally Posted by Ironhorse
Anyone familiar with The Personal Insurance Company?
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Run out of Quebec, part of Desjardins I believe.
__________________
Captain James P. DeCOSTE, CD, 18 Sep 1993
Corporal Jean-Marc H. BECHARD, 6 Aug 1993
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10-17-2016, 01:32 PM
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#49
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Franchise Player
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Quote:
Originally Posted by Ironhorse
So did everyone else's insurance rates get jacked this year? Just got my renewal from Meloche, and I'm paying nearly 15% more for no apparent reason.
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Rates for our house went up this year and also last year. Over 50% increase over two years so we ended up changing some things (deductable etc.) to get that down as much as possible.
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10-17-2016, 01:44 PM
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#50
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Franchise Player
Join Date: Sep 2009
Location: Calgary
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Quote:
Originally Posted by Ironhorse
Anyone familiar with The Personal Insurance Company?
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Unfortunately, yes.
Feel free to PM me.
__________________
Pylon on the Edmonton Oilers:
"I am actually more excited for the Oilers game tomorrow than the Flames game. I am praying for multiple jersey tosses. The Oilers are my new favourite team for all the wrong reasons. I hate them so much I love them."
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10-17-2016, 01:58 PM
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#51
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Powerplay Quarterback
Join Date: Dec 2009
Location: SE Calgary
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Anybody on Meloche (TD Insurance) should price shop their insurance with a few different people. I did and found Cooperators out of Ontario provided the best price for auto and house insurance. By a big margin, and I was with TD for 17 years prior.
__________________
"In theory, there is no difference between theory and practice. But in practice, there is" — Jan Van De Snepscheu
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10-17-2016, 03:36 PM
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#52
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Franchise Player
Join Date: Jul 2003
Location: Sector 7-G
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How did you work with Co-operators out of ontario? I called some of their local reps and the quotes I was getting were astronomical.
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10-17-2016, 03:56 PM
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#53
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Backup Goalie
Join Date: Jan 2012
Location: Calgary, Alberta
Exp: 
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As a broker, the cost of premiums has so many different variables in play. Years insured, accidents, tickets etc. Someone who has been driving for 15 years and only 1 year of insurance may have high premiums based on the years continuously insured.
It is always best to ask an insurance specialist to explain it to you. Not understanding insurance is very common.
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