The $200 Savings That Cost $20,000

Aug 12, 2025 11:56 am

Hi ,


People often ask me if we can beat their current price. Sometimes we can, but price alone doesn’t tell the whole story.


A new client came to us after a kitchen fire. Their old insurance company paid some of the claim… but not all. The reason? Their “bargain” homeowners policy excluded key coverages they didn’t even know they were missing.


They had saved about $200 a year on premiums. The uncovered repairs cost them over $20,000 out of pocket.


Not all homeowners policies are created equal. A great policy is more than just a price tag—it’s:

  • Coverage for more situations, not fewer
  • Higher limits where you need them
  • Claims service that actually has your back


When it comes to homeowners insurance, cheap can be costly. Lower premiums often mean:

  • Lower limits
  • More exclusions
  • Slower claims

A great policy covers more, pays faster, and protects what matters most.


Yes, you might pay a little more up front, but You Get What You Pay For (YGWYPF)—and when disaster strikes, that extra investment can mean the difference between “handled” and “heartache.”


Want us to review your coverage and point out any gaps? Reply to this email—no cost, no pressure.


Respectfully,


George

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