General liability
Third-party injury and property damage. Check the aggregate limit as well as the per-occurrence one.
- Home
- Insurance
Premium is the easy part
Business, property, life and health cover compared on what is excluded, what the deductible is and what the policy pays when a claim is made.
Why this is hard to compare
The problem
Two policies at the same premium can behave very differently at claim time. The difference sits in the exclusions, the deductible and the limits -- the parts of the document nobody reads until they need to. Comparing on premium alone tends to select for the policy that covers the least.
What is on the table
Property and contents
Understand whether cover is replacement cost or actual cash value. The gap is large.
Life
Term is cheap and finite. Permanent is expensive and does other things. Decide which problem you are solving first.
Health
Compare the deductible, the out-of-pocket maximum and the network -- not the monthly premium in isolation.
Ready to see the numbers?
Business, property, life and health cover compared on what is excluded, what the deductible is and what the policy pays when a claim is made.
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