When working with an insurance broker, honesty is important—but so is awareness. Certain statements or ways of presenting your situation can make it harder for your broker to find you the best homeowners insurance policy, or worse, could create problems down the road with claims.
Here’s a breakdown of what not to say to a broker and why it matters.
1. “Just get me the cheapest policy.”
While saving money is a priority, focusing only on price can backfire. A bare-bones policy may leave you underinsured, which means you could pay much more out of pocket if something happens.
👉 Instead, tell your broker your budget and ask them to balance cost with coverage.
2. “I don’t want to mention that issue with my home.”
Leaving out details like an old roof, outdated plumbing, or previous water damage might seem like it will get you a cheaper quote—but insurers can deny claims if they discover you withheld information.
👉 Always be transparent. Your broker can often find insurers that work with homes that have issues.
3. “I don’t care about the fine print.”
Insurance contracts are complex, and ignoring the details can cost you later. If you tell your broker you’re not concerned, they might assume you’re okay with standard coverage that may not fit your needs.
👉 Instead, ask your broker to explain exclusions and limits in plain language.
4. “I already know everything I need to know.”
Insurance markets change constantly. Dismissing your broker’s expertise can limit your options.
👉 Even if you’ve had insurance before, be open to learning what’s new or different.
5. “I’ll switch policies every year if I find something cheaper.”
Brokers invest time to find you the right coverage. Telling them you’ll jump ship at the first lower price may discourage them from working hard on your behalf.
👉 Instead, say you’re focused on value—coverage, service, and price combined.
6. “Don’t worry about my claims history.”
Your claims history is one of the biggest factors in your premiums. Not sharing it (or trying to downplay it) only delays the process.
👉 Provide accurate details—your broker’s job is to find the insurer that will treat your history most favorably.
✅ Bottom Line
The key to a successful relationship with your broker is honesty, clarity, and collaboration. Don’t downplay problems, hide details, or focus only on cost. A good broker can only advocate for you if you give them the full picture.