为什么我的home insurance quote这么高啊？
- 主题发起人 sandx
- 开始时间
aiya
知名会员
- 注册
- 2003-02-18
- 消息
- 1,193
- 荣誉分数
- 72
- 声望点数
- 158
好象是有点高，保险和你的房子老旧没有关系。保险公司考虑的是如果你的房子没有了重建要多少钱，现在人工和材料都在上涨，保险费也涨。人工是每法减的，只能从材料上下手。你能做的是，多问几家公司报价，提供你的情况是，要说靠近消防栓，屋顶的材料说是最便宜的一种，屋内都是地毯等等，总之如果重建房子的话，公司会按你提供的东西重建。还有你的deductivable，如果是500的话，费用也会高，要是1000的话，好象是会每月低100多or so.
车保险是和你的驾龄，年纪，性别及车的价值，你的deductivable，还有你的车用途有关，你可以做的是加大deductivable,说是周末买菜用的，会有帮助。
车保险是和你的驾龄，年纪，性别及车的价值，你的deductivable，还有你的车用途有关，你可以做的是加大deductivable,说是周末买菜用的，会有帮助。
- 注册
- 2005-01-28
- 消息
- 828
- 荣誉分数
- 12
- 声望点数
- 128
If you don't give the right appraisal of your house value, when your house is damaged and you need to claim insurance for replacement, you will not get enough to rebuild it.
Some insurance with higher premium or better coverage might include additional coverage when your house needs to be replaced at higher value in future.
However, I suggest that you also check with group insurance like university alumni affinity or your working company's affinity. We got a very high quote before, and when switch to a group insurance it's much more reasonable with better coverage.
Some insurance with higher premium or better coverage might include additional coverage when your house needs to be replaced at higher value in future.
However, I suggest that you also check with group insurance like university alumni affinity or your working company's affinity. We got a very high quote before, and when switch to a group insurance it's much more reasonable with better coverage.
aiya
知名会员
- 注册
- 2003-02-18
- 消息
- 1,193
- 荣誉分数
- 72
- 声望点数
- 158
估价depends on all the data you give to them. if you give them that your house is small, everything you have were using the cheapest material, plus close to hydrant(in case of fire,easy to save your house) or you have alarm system(in case of someone break your house). It will help to lower your 估价. the problem is what kliu said if it is something happens to your house, you wont get what you want, you will get the cheapest thing.
two more things could help lower your premium
1, sometimes they ask you to have sewer coverage in case of basement flood.(most of the time you dont need it especially your basement is not finished and some basements have pump to drain the water out)
you dont have to pay that.
2, some companies may include household insurance, you can ask them lower that too(that is for your furniture, jewellery, food, appliances,clothes etc)
so if you worry something happens someday, you can get better reward if you pay more now. otherwise you know it.
two more things could help lower your premium
1, sometimes they ask you to have sewer coverage in case of basement flood.(most of the time you dont need it especially your basement is not finished and some basements have pump to drain the water out)
you dont have to pay that.
2, some companies may include household insurance, you can ask them lower that too(that is for your furniture, jewellery, food, appliances,clothes etc)
so if you worry something happens someday, you can get better reward if you pay more now. otherwise you know it.
Actually I'm making quote at allstate.ca and it allows you to change field values to get a new quote. I've selected the "close to hydrant" options and $1000 deductible. For Broadform Coverage, there are always two more items in addition to the Dwelling Building: Family Liability $10.00, Sewer Backup Coverage $40.00. Don't see a way to get rid of them.
As kliu mentioned, maybe I should try some group insurance companies. I'll call a university alumni affinity like Meloche Monnex soon. Don't know if there are other options.
As kliu mentioned, maybe I should try some group insurance companies. I'll call a university alumni affinity like Meloche Monnex soon. Don't know if there are other options.
- 注册
- 2005-01-28
- 消息
- 828
- 荣誉分数
- 12
- 声望点数
- 128
When you try Monnex, remember to ask for all groups of affinity you belong to. I belong to several of the affinity groups, and I picked one that has the highest discount. Some years ago when I asked one insurance company, they told me that my university alumni group rate is about 15% off, my working company group rate is 25% off, my husband's working company group rate is 35% off, and my professional membership group rate is 45% off, so it makes quite a bit of difference.
hookedonfishing
知名会员
- 注册
- 2003-05-12
- 消息
- 271
- 荣誉分数
- 44
- 声望点数
- 138
try http://www.pcinsurance.ca/ROCEN/
i found theirfee is the lowest for me, even lower than my group insurance.
i found theirfee is the lowest for me, even lower than my group insurance.
- 注册
- 2005-01-28
- 消息
- 828
- 荣誉分数
- 12
- 声望点数
- 128
You can always call them or do an online quote at http://www.melochemonnex.com/en/home/ I think they offer free draw for a car when you do a quotation.
- 注册
- 2005-01-28
- 消息
- 828
- 荣誉分数
- 12
- 声望点数
- 128
最初由 悠着点 发布
我打了几家, 房子的replacement value竟然差了$10万??? The personal估的最高, TD Meloche估的最低... 可保费差不多...糊涂啦...
TD Monnex's one has the million protection (you have to check your plan), so if your house is destroyed and the rebuild cost is 1 million higher than their estimation, they will still give you that 1 million.
