07/31/2026
3 sneaky ways your home insurance pays out LESS when you file a claim 🔎
1️⃣ Depreciation: your payout shrinks based on the age of things like your roof or siding. An aggressive depreciation schedule can make that "great rate" start to make a lot more sense.
2️⃣ Exclusions: the fine print list of what's NOT covered. Water damage is a huge one people miss.
3️⃣ Policy limits: if your claim costs more than your limit, that extra cost is on you. Some insurers are now capping hail coverage right here in YYC.
Here's the truth: none of this is actually sneaky. It's all sitting right there in your policy wordings. But nobody has time to read pages of fine print and you shouldn't have to. Your agent should be walking you through it in plain, easy to understand language. If that didn't happen, it's time for a second look.
Our agency prides ourselves on an education first approach so you actually understand your coverage & can make great decisions when it comes to protecting your home.
📞 Get your free coverage check today.
www.rachelmpinsurance.ca
📱 403-476-0191