JBCR Virtual Solutions Blog

Did you try to get insur­ance for your home and home office just to be turned down?

Did you decide to get home insur­ance with­out claim­ing  you have a home office?

I have such a story to tell you, but first let me say that if you have home insur­ance, and you have a home office, and have not declared you do, your insur­ance will be void if any­thing hap­pens to you. Trust me, it is true.

 My Night­mare!

After years of  hav­ing home insur­ance with the same com­pany, which included  busi­ness insur­ance (equip­ment replace­ment) the com­pany I had my pol­icy with changed hands not long before my pol­icy was up for renewal. Once the renewal date was close I thought it would be easy to get the same insur­ance cov­er­age.  I was very wrong.  They would no longer cover me for both.  I was told I had to get busi­ness insur­ance in order to have home insur­ance.  No busi­ness insur­ance — no home insurance!!

After many days of work­ing with the “new com­pany”  they  found a com­pany that would cover my home office (which did not include cov­er­ing my home insur­ance)  my rate would have gone up over $2000 per year.  Yep, you heard me right. That quote didn’t even cover home insur­ance!  I knew that fig­ure was a no go for me — and would be for most peo­ple like me.

After many stress­ful days and sleep­less nights, and many hours of search­ing for com­pa­nies, I found one that will cover my home, plus my home office busi­ness equip­ment, that is actu­ally less than what I was pay­ing in my pre­vi­ous pol­icy, and includes cov­er­age in other impor­tant areas.

I am thrilled to bits with my cov­er­age and just blown away by what goes on out there. 

Want more info — con­tact me. No I am not an agent  

Note: This post is for my Cana­dian readers.

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