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Why Does My Insurance Broker Require Information About Mechanical Updates To My Home?

With Danielle Tkachyk, of Savante Insurance Inc

Rate by peril is the modernization of insurance pricing – attempting to match the property owner and the risk they represent. For example, if you incur the expense to install new shingles your roof will better withstand weather systems. As such, the price for the perils of wind and hail should be less for you than your neighbour who is procrastinating on replacing theirs.

The same model holds true for every peril! Securing lower prices for fire if you upgrade your wiring or heat and higher limits for water damage if you install protective equipment or an alarm!

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