为什么我的home insurance quote这么高啊？

[aiya]

there are a lot of factors involving your premium. companies have different standards regarding to evaluate your re-built house. even some companies have default deductive 500, some have default 1000. that will change your premium quite a lot and you dont even realize it. you have to compare every detail to know which one is cheaper. it is not easy.

main principle:
Insurance brokers concentrate on replacement cost to provide adequate house/contents coverage.

 

[sandx]

An update about my original post:
I finally selected Meloche Monnex. They evaluate the rebuild value of my house about 15% lower than what I paid. I also selected 1000 deductable, which reduced the premium about 50/year compared to 500 deductable. The annual premium is still house>600, and car>900. Can't find a better deal, sigh!
BTW, they implied that their discount rate for university alumni is better than the Chinese Professionals Association.

Thanks for sharing your points!

 

[new2ottawa]

The value of land should be excluded.

 

[kliu]

最初由 sandx 发布
An update about my original post:
I finally selected Meloche Monnex. They evaluate the rebuild value of my house about 15% lower than what I paid. I also selected 1000 deductable, which reduced the premium about 50/year compared to 500 deductable. The annual premium is still house>600, and car>900. Can't find a better deal, sigh!
BTW, they implied that their discount rate for university alumni is better than the Chinese Professionals Association.

Thanks for sharing your points!

Good luck! People said Monnex has good customer service. The less discount on this particular group probably means they have less members than your university alumni group. Usually more members and less percentage of claims means "better" rate.

 

[悠着点]

请问估价是房价(房子成交价-包括land)的60%正常么?