Discussions

I'm thinking about changing Insurance company this coming year. I feel like I'm paying too much and I'm looking for a better deal.  
Anyone want to share what company they deal with and how much they are paying?  
 
It is for a mobile home in a Mobile Park in Brandon.

Ask for different quotes from companies they carry. Most have several to choose from. Would be a better place to inquire, as they know your info.

Yes, insurance brokers, such as Guild, look for the best rates from the many insurance companies with whom they deal. If you are not dealing with a broker, but just a rep for one company, then take the time to check around.

Absolutely talk to your insurance agent and get multiple quotes from various providers. You can choose the level of coverage that you feel you need. Some offer better coverage for some items while others offer better coverage for others kind of goes down to where you think priority coverage should be on items. Think last time we switched providers we got quotes from I believe 5 different providers from our local agent.

I was with another company and the prices kept getting higher, (no claims on my part) I checked with Dick agencies, and got a better price, better coverage, and better service...they do the switching for you too...then my original insurance company phoned me after I switched, but told them it was too late....

If you are a long term customer ask if there are better deals. I was pricing out insurance to get a second opinion. Turns out when talking to my provider they had a $1500 deductible option. That dropped my premiums huge plus I have sent away to brokers like Guild and they cannot even come close to touching my policy. Since long term I have accumulated the $1500 toward my deduction so if I needed to make a claim it costs me $0 deductible. Then every year after I get $100 toward my deductible again till I reach the $1500.

Fishin Guy said "If you are a long term customer ask if there are better deals. I was pricing out insurance to get a second opinion. Turns out when talking to my provider they had a $1500 deductible option. That dropped my premiums huge plus I have sent away to brokers like Guild and they cannot even come close to touching my policy. Since long term I have accumulated the $1500 toward my deduction so if I needed to make a claim it costs me $0 deductible. Then every year after I get $100 toward my deductible again till I reach the $1500. "

Compare what one policy offers, and what one does not. If you think your getting a special , made for you policy, I would doubt that.

Compare prices between places for what you want.  
Cooperators Insurance offers the best.  
I've dealt with them for years.  
ASK Cancade Restoration who is good to deal with for claims

tlr said "    Fishin Guy said "If you are a long term customer ask if there are better deals. I was pricing out insurance to get a second opinion. Turns out when talking to my provider they had a $1500 deductible option. That dropped my premiums huge plus I have sent away to brokers like Guild and they cannot even come close to touching my policy. Since long term I have accumulated the $1500 toward my deduction so if I needed to make a claim it costs me $0 deductible. Then every year after I get $100 toward my deductible again till I reach the $1500. " Compare what one policy offers, and what one does not. If you think your getting a special , made for you policy, I would doubt that. "

I go through the co-operators. I never did think I am getting a specially made for me policy. It was a policy for long term customers I am told. When I compare plans I give out my coverage to compare apples to apples. The competition says I have a very good plan right now and they won't waste my time in giving me a quote they can't come close to.

I work for an insurance office and I find that co-operators is very rarely the best option. If they have a great price, it is usually because there is something important missing or they offered a very high deductible. If they have great coverage, usually the price is very high. Anyone can send me a PM if they want to discuss it further, usually there is SOMETHING that can be done for pricing but I find if you shop for just price with no consideration for coverage, you are going to suffer in the long run.  
 
Edited by MacInsurance, 2018-11-28 10:57:47

MacInsurance said "I work for an insurance office and I find that co-operators is very rarely the best option. If they have a great price, it is usually because there is something important missing or they offered a very high deductible. If they have great coverage, usually the price is very high. Anyone can send me a PM if they want to discuss it further, usually there is SOMETHING that can be done for pricing but I find if you shop for just price with no consideration for coverage, you are going to suffer in the long run.     Edited by MacInsurance, 2018-11-28 10:57:47"

Sorry but Cooperators are easy to deal with for claims and have great coverage. 24/7.  
Water damage coverage beats out other companies.  
During the extreme rain in 2014 how many basements flooded?  
How many insurance companies just handed over a 10k cheque and said sorry that's all you get?  
Cooperators was 100% replacement coverage. Including storage and lost wages. Did I want a new basement? No. But I got it.  
 
Like I said, phone Cancade Restoration and ask them who they find is the easiest to deal with.

I would be calling him!

We also live in a mobile, have insurance through Intact, and would definitely recommend them. We pay just over a 1000 a yr and have a 500 deductible! Have had 2 claims in 9 yrs one due to a fire next to us which resulted in damage to our home and 2 nd is current due to water damage from a hot water tank! Our deductible was waived for the first one.

gave me the best rates with Red River Insurance company. Located on the corner of 1st and Victoria. I tried several options and they were the best.

Baylee said "We also live in a mobile, have insurance through Intact, and would definitely recommend them. We pay just over a 1000 a yr and have a 500 deductible! Have had 2 claims in 9 yrs one due to a fire next to us which resulted in damage to our home and 2 nd is current due to water damage from a hot water tank! Our deductible was waived for the first one. "

I am zero claims (knock on wood) so far. Just under $600 for the year. Full replacement value. That gives me $185G for the house and $185G contents.

Baylee said "We also live in a mobile, have insurance through Intact, and would definitely recommend them. We pay just over a 1000 a yr and have a 500 deductible! Have had 2 claims in 9 yrs one due to a fire next to us which resulted in damage to our home and 2 nd is current due to water damage from a hot water tank! Our deductible was waived for the first one. "

that is a lot of money for a mobile home.  
 
I''m paying $814 for a 1600sqft home.  
 
You should look into Portage insurance or Red River. I find co-operators and Wawanesa the most expensive.  
 
Edited by Iceman14, 2018-12-04 20:06:31

Yes our insurance is just over a 1000, with that we have full replacement cost, on our mobile, contents, our 22x24 attached garage, a large covered deck , lower open deck, plus 10x12 shed! As well as displacement in case we need it. That is a small price to pay in the event something was to happen! Both claims that we have had we upwords around 15-20 thousand .