Home Insurance
Ok I'm trying to sort out our home and contents insurance for our new house, so decided to call the same company that we have our car insurance thro, in the hope that I might get some sort of deal.
Well anyway I'm loaded with the cold at the moment and probably isn't the best time to be doing such things as my patience isn't at it's best, but what has to be done, has to be done. Anyway gave them a call and after a few basic straight forward questions and answers she started asking me questions like: Her: Do you have 7' 9' or 10' ceilings Me: I don't know probably 9' but this is just a guess, does it really matter Her: Well yes Me: Why Her: Well it will affect your insurance Me: Well I'll have to have a look thro my paperwork to give you an exact answer on that Her: What percentage of house is ceramic, carpet and wood flooring Me: We'll I'd say probably 60% carpet 20% hardwood flooring and 20% ceramic Her: Is this an exact percentage Me: Well of course not, I'm not in the house at the moment so I can't go around with a measuring tape and measure to give you exact percentages, but to the best of my knowledge I'd say this is pretty accurate Her: Well I need exact percentages Me: Well I can't give you that, surely this should be good enough Her: Well no Arrrggghhhhhhh FFS lady give me a break Sniffle sniffle cough cough Her: Is this a one or a two mortgage Me: What do you mean is this a one or a two mortgage Her: Well do you have one or two mortgages on the house Me: Well why didn't you just say that Me: We will have one mortgage on the house God I could go on and on about this one and the rest of the questions she was asking me, but I'll finish it off by how the conversation ended by me: Her: What is your plumbing Me: What do you mean what is my plumbing Her: Well is it copper, something else and something else can't even remember what she said Me: No it's two ovaries and a womb dear, what's yours Me: Now thank you and have a nice day Hung up phone Well I don't know if it's just me that's dumb but I have never been asked so many questions when trying to get home insurance before, but then again, I don't think I was really in the mood for it in the first place, so maybe it's just a lesson learnt for me. For what it's worth, didn't even get my quote. Raine |
Re: Home Insurance
Yip, went through all these questions but thankfully most of the details were on the drawings and specs we received from the builder for our new-build property.
So you didn't get to the "how far are you from the nearest water hydrant and fire station" section that was more fun as we were still living in the UK at that stage. Even then the insurance broker sent out their assessor but that was all free of charge and although there are lots of questions it all went smoothly. |
Re: Home Insurance
Bizarre. Mine went something like this:
Me: Hi Don, I bought a house in xxxxx, need some insurance for it, contents, fire, you know... DK: Sure Iain, how big is it. Me: About 1200 sq ft DK: OK, let say $250000 for insurance purposes, hows that sound? IK: OK I guess. DK: OK, lets see, youre what, 8km from the fire hall. Got a woodstove? Me: Sounds about right, No, its a built in fireplace thingy DK: Alright, thats not as bad...I'll get back to you with a quote. Got back to me with a quote later the day, same company as cars are through, relatively reasonable cost, forms signed, deal done. |
Re: Home Insurance
I had a similar experience. I think it depends if its a local broker or national insurer?
Originally Posted by iaink
Bizarre. Mine went something like this:
Me: Hi Don, I bought a house, need some insurance for it, contents, fire, you know... DK: Sure Iain, how big is it. Me: About 1200 sq ft DK: OK, let say $250000 for insurance purposes, hows that sound? IK: OK I guess. DK: OK, lets see, youre what, 8km from the fire hall. Got a woodstove? Me: Sounds about right, No, its a built in fireplace thingy DK: Alright, thats not as bad...I'll get back to you with a quote. Got back to me with a quote later the day, same company as cars are through, relatively reasonable cost, forms signed, deal done. |
Re: Home Insurance
I congratulate you on your patience. I would have hung up after the first sign of a attitude.
Originally Posted by raine66
Ok I'm trying to sort out our home and contents insurance for our new house, so decided to call the same company that we have our car insurance thro, in the hope that I might get some sort of deal.
Well anyway I'm loaded with the cold at the moment and probably isn't the best time to be doing such things as my patience isn't at it's best, but what has to be done, has to be done. Anyway gave them a call and after a few basic straight forward questions and answers she started asking me questions like: Her: Do you have 7' 9' or 10' ceilings Me: I don't know probably 9' but this is just a guess, does it really matter Her: Well yes Me: Why Her: Well it will affect your insurance Me: Well I'll have to have a look thro my paperwork to give you an exact answer on that Her: What percentage of house is ceramic, carpet and wood flooring Me: We'll I'd say probably 60% carpet 20% hardwood flooring and 20% ceramic Her: Is this an exact percentage Me: Well of course not, I'm not in the house at the moment so I can't go around with a measuring tape and measure to give you exact percentages, but to the best of my knowledge I'd say this is pretty accurate Her: Well I need exact percentages Me: Well I can't give you that, surely this should be good enough Her: Well no Arrrggghhhhhhh FFS lady give me a break Sniffle sniffle cough cough Her: Is this a one or a two mortgage Me: What do you mean is this a one or a two mortgage Her: Well do you have one or two mortgages on the house Me: Well why didn't you just say that Me: We will have one mortgage on the house God I could go on and on about this one and the rest of the questions she was asking me, but I'll finish it off by how the conversation ended by me: Her: What is your plumbing Me: What do you mean what is my plumbing Her: Well is it copper, something else and something else can't even remember what she said Me: No it's two ovaries and a womb dear, what's yours Me: Now thank you and have a nice day Hung up phone Well I don't know if it's just me that's dumb but I have never been asked so many questions when trying to get home insurance before, but then again, I don't think I was really in the mood for it in the first place, so maybe it's just a lesson learnt for me. For what it's worth, didn't even get my quote. Raine |
Re: Home Insurance
Originally Posted by agibson6
Yip, went through all these questions but thankfully most of the details were on the drawings and specs we received from the builder for our new-build property.
So you didn't get to the "how far are you from the nearest water hydrant and fire station" section that was more fun as we were still living in the UK at that stage. Even then the insurance broker sent out their assessor but that was all free of charge and although there are lots of questions it all went smoothly. Yip the fire hydrant and fire station questions were both in there. Along with a whole load of other crap. Raine |
Re: Home Insurance
Well I have finally got it sorted out.
Called the TD Bank and got a really good quote from them and in the end it was all pretty painless. :) Raine |
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