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Originally Posted by tyler1980
in general i dont like the idea of mixing high risk to be stolen items with my house policy. A claim or two and then your home insurer will drop you and IMO home insurance is more important. Keeping them separate is a hedge against losing a great home policy.
Fine print of individual policies aside, just a general view.
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Valid point but I’d imagine more claims are made on house policies then individual and I know when I last arrange insurance I was asked if I had claimed on any past house or contents insurance, so technically if you had claimed on a individual watch policy you would be oblige to disclose!
Quote:
Originally Posted by tyler1980
my guess is the reason its cheaper even if the underwriter is the same for a different company's policy is because of the exclusions.
In much the same way you can get a Sony TV from best buy or a cheaper one from walmart. They are almost the same but the specs and number of HDMI ports or the processor is different. You are getting a good deal but its not quite the same TV even if it looks identical.
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Don’t dispute that but I was referring to the ‘insurance from a grocery store’ comment not the cost/exclusions POV