Do not compare premium alone
- Deductible
- Coverage limits
- Exclusions
- Replacement-cost versus actual-cash-value terms
- Optional endorsements
- Claims and cancellation provisions
Two quotes can look similar while protecting you very differently. Ask for a written coverage comparison when possible.
Ask what changed
If a new quote is dramatically cheaper, ask which limits, deductibles or endorsements differ from your current policy. Savings are useful only if you understand what you are giving up.
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