The Right Home Insurance Goes Beyond Price
See an extended version of this video below:
THE TALE OF TWO HOMEOWNERS.
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How much does the fine print really matter?
Ask the Smiths.
The Smiths and the Johnsons buy homes with the same square footage on the same block in a new development. Their risks are the same, but their insurance policies are quite different.
- LAWSUIT PROTECTION
- LOSS OF USE COVERAGE
- REPLACEMENT COST COVERAGE*
- SEWAGE AND WATER BACKUP
The Smiths bought the cheapest insurance policy they could find.
The Johnsons paid a $230/year more for a more robust policy.
When the Smith’s basement flooded, their insurance policy didn’t cover the damage, so they had to pay for the repairs themselves.
When their HOA was sued, they were hit with a hefty assessment, and they had to pay for it out of pocket.
In the first year, the Smiths had to pay $5,672 in out-of-pocket costs, in addition to the cost of their insurance.
After talking with the Johnsons, the Smiths realized they could have saved thousands
of dollars if they hadn’t gone with the cheapest policy!
of dollars if they hadn’t gone with the cheapest policy!
When the Johnson’s basement flooded, their sewage and water backup endorsement
covered the loss. They were also hit with the same hefty HOA
assessment, but they didn’t have to worry about it because their policy’s loss assessment endorsement covered the cost.
covered the loss. They were also hit with the same hefty HOA
assessment, but they didn’t have to worry about it because their policy’s loss assessment endorsement covered the cost.
In the first year, the Johnson’s had no additional out-of-pocket costs. Even after paying more for their policy, their robust coverage saved them $5,442!
Are You Comparing Apples to Oranges?
Are You Comparing Apples to Oranges?
If you only focus on the premium when comparing homeowners insurance options,
you’re probably comparing apples to oranges.
you’re probably comparing apples to oranges.
We all know that a yacht costs more than a drift boat. A mansion costs more than a tiny home. And yes, robust homeowners insurance costs more than a bare-bones policy that might not provide coverage when you need it most.
Here at RIGHTSURE, we don’t want you to have the cheapest coverage.
We want you to have the BEST coverage.