scorpster wrote:
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.

It reminds me of an old Alan King bit. He said he had a small fire in
his house and called his insurance agent to initiate a claim. The agent
looked up his policy and said, "I see here that you have our Fire and
Theft policy." King acknowledged that that was what he had. "OK, let's
see, said the agent,"was anything stolen?" "No," replied King, "just
fire damage." The agent said he was sorry, but a claim wasn't possible.
"What do you mean, I can't make a claim?" replied King, "I had a FIRE."
"I understand," replied the agent, "but in order to be covered, you
would need to have our Fire OR Theft policy."