JALLEN wrote:One suggestion... when comparing insurance coverage, don't look at premium and deductible only. The provisions of policies are not identical and can vary widely. Moreover, there are policy differences between insurance companies, which although they should be strictly according to the language of their insurance policy, they are not. The sales department is often not in contact with the claims department, if you get my drift. The Old Rancher always taught that "the cheapest oats usually have already been run through the horse," and there is nothing about insurance that requires suspension of this maxim.
This is absolute truth. I wish more of my clients were aware of this. I try to tell people this all the time and they just dismiss it as sales speak. They focus on premium and deductible and have no idea about the actual differences in coverage and terms. Asking for a homeowner's policy is like asking for a red ford truck.
