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High Risk Insurance That’s Affordable
It was easy for me to talk to Agent Max because of his humor. Following several accidents and injuries, it was difficult to find affordable insurance to cover me. Max provided me with a better rate and coverage for my insurance. CallandQuote process allows Max to access 36+ carriers within minutes. CallandQuote is the best!
Easy To Deal With and Super Fast
I’m satisfied switching my insurance with more coverage at a lower rate after an accident. Agent Anna helped me get what I was looking for over the phone. She handled everything for me and I didn’t have to do anything.
Everything is handled by a Live Agent
I didn’t have a good experience using apps and online to make changes, payment, and renewal my insurance policies. I had questions that the live chats weren’t able to answer me, keeps getting disconnected, and losing my information. Instead, I called CallandQuote, got connected to a real Agent over the phone, and got everything done for me. It was simple and easy, allowing me to do other things while I was on the phone. CalllandQuote is the most convenient way to get insurance, absolutely the best!
No Hold Times, No Automated Responses
No hold times or automated responses. I got the protection for my home, car, and business in just one phone call. It’s a relief not having to wait a long time to get connected to a real agent. I love the service, so fast and easy.
Unbeatable Savings
My insurance increased by $458 without any claims or accidents in the past 6 months. CallandQuote was able to find me the same coverage at a lower premium with a carrier that provides way better service. I’ll be referring CallandQuote to handle all of my friends and family for personal and business protection needs.
Quote in 2 Minutes
I’m not tech savvy and don’t like cookie cutter results. In just a few minutes on the phone, CallandQuote Agent had provided me with 8 quotes from several insurance carriers, compared it for me, and got a new policy with lower rate, cost, and at a higher coverage. Amazing!
Exceptional Customer Service
I was directly connected to an Agent to answer all my questions immediately. The service to review for a discount was prompt. I didn’t have to wait long or worry if I’m selecting the wrong options for my policy. In just one phone call, I was able to save $323 on my policy. Thank you CallandQuote for living up to your excellent customer service.
Discounts on Multiple Insurance Policies
When I had to switch from the insurance app to the website to add a new insurance and update payment, it was so confusing with so many steps to take. I just called CallandQuote and spoke with Agent Bianca. She added a new payment method and also reviewed my policies for discounts. Unbelievable, I got several discounts when bundling multiple policies together. One phone call made my day!
What Does Home Insurance Cover?
A homeowners insurance policy is typically broken down into six parts:
- Coverage A - Dwelling: A house and any attached structures, such as a garage.
- Coverage B - Other structures: Any stand-alone structures — like a carport or tool shed — not attached to the home.
- Coverage C - Personal property: This covers repair or replacement of belongings or property stolen or damaged in a covered loss anywhere in the world.
- Coverage D - Additional living expenses: Sometimes called a loss-of-use clause, this helps to cover the cost of temporary relocation in the event the home is unliveable due to repair work.
- Coverage E - Personal liability: This covers the costs of another party's injuries on the insured party's property (or offsite).
- Coverage F - Medical payments: Covers medical costs incurred on the property by those not listed as residents of the household, regardless of fault.
How Much Home Insurance Do I Need?
Your insurance needs will be specific to you, but there are a number of key questions you can answer that will help guide you toward the appropriate coverage levels. The following questions can be used as a sort of home insurance calculator to help determine exactly how much homeowners insurance you will need:
- How much will it cost to rebuild my home, including detached structures (at the current rate for labor and materials)?
- How much will it cost to replace my personal property and belongings?
- What is the value of my personal assets in case someone sues me?
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