Buyer: "If you fix all these items on my policy, how much will that cost?"

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Buyer: "If you fix all these items on my policy, how much will that cost?"



Ironically in most cases we can modify the policy construction by just asking/negotiating with the carrier. The reason being; is that; the carrier will issue a very vanilla form as they want to underwrite the risk before they modify the contract language. In many cases the carrier will add coverage for no additional premium, I would say 60 to 70% of the time - basically a no-brainer. When we can't modify the policy for no additional premium the decision to spend more money is a subjective one, that we will discuss with you. I much rather be asked than to have my decision made for me based upon neglect.

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