"scorpster" wrote in message
...
We're shopping around for homeowners insurance as it appears we can find
policies these days a lot cheaper than the one we have (might have
something to do with the real estate crash and insurance companies trying
to boost their business). When I received the binder in the mail from our
broker, I had to correct some details that he wrote down incorrectly. For
example that the pool is in-ground (like I told him) and not above-ground
(as in the app) etc. I told him that we have two dogs (both gentle
breeds) but he just noted one of the dogs on the binder application. I
haven't corrected the dog part yet and I'm not sure if I should bother to
do so.

My question is, to what extent should I nit-pick about this form to have
all the details 100% correct? I have the feeling that the broker is not
as concerned about that as I am. But he has 1,000 times more knowledge
about the homeowners insurance industry than I do. I am just concerned
that if there is an incorrect detail if we have a major claim, like if the
house burns down, then I don't want the insurance co. to refuse to cover
it because of some "seemingly" trivial question on the original form is
not correct.


*Better to have it in there then not. Make sure that you mention works of
art, computers, TV's, stereos etc. Someone posted a response a few weeks
ago here regarding a fire that a friend had. Based on his friend's
experience he advised taking pictures of everything and putting them in a
safe deposit box for insurance purposes. I thought that was excellent
advice.