Let’s be honest — price is usually the first thing people look at when shopping for home or auto insurance. And that’s completely fair. No one wants to pay more than they have to. But when it comes to something as important as protecting your home, your car, and your financial future, focusing on price alone can be a mistake.

The truth is, not all insurance policies are created equal. Two quotes might look similar at first glance, but they can be worlds apart in terms of what they actually offer. So how can you tell what you’re really getting — and whether you’re making the right choice?

Cheaper isn’t always better. Think about it: would you always take the lowest bidder if you were building a house and settle for shoddy work? Would you opt for the cheapest financial advice and risk your life savings or pick the cheapest mattress and sacrifice a good night’s sleep? Probably not — because you know that quality, reliability, and trust matter just as much as cost.

Your home is likely your largest asset, and your car is a major investment. Choosing insurance just because it’s the cheapest can leave you exposed to gaps in coverage, unexpected out-of-pocket costs, or poor service when you need help most.

At Munn Insurance, as a trusted broker, we deliver the best price with the best coverage, world class service and all the benefits you deserve. Most of the time we deliver significant savings too but sometimes the best coverage with all the features and benefits you need can be a little more. Often a direct writer may look cheaper at first, but that can come with lower levels of service and coverage. Brokers can often provide those same low prices if that’s what you want, but will work with you to make sure you get everything you need — at the best possible price.

Here are a few key things to consider when comparing insurance options — and how Munn Insurance helps you get it right.

Service You Can Count On

Imagine this: you’ve just been in a fender bender or discovered a leak in your basement. You need help — fast. So, you call your insurance provider. But instead of speaking to someone who knows your situation, you’re put on hold. Then transferred. Then asked to repeat your story again and again. You finally reach someone out of province and they can’t provide that local insight to help you through this challenging and stressful time.

Good service isn’t just a nice-to-have; it’s critical when something goes wrong. When comparing insurance providers, ask yourself:

• How easy is it to reach someone? Can you talk to a real person quickly? Or are you stuck in automated menus and long hold times? Being able to get answers promptly can make all the difference in a claim or urgent situation.
• Are they local and accessible? Do they understand the specific challenges of your region — like weather risks or local building codes? Local agents often provide faster, more personalized service and a better understanding of your needs.

Am I Fully Protected?

A cheaper quote might look good now, but if it leaves you underinsured or exposed, it could end up costing you far more in the long run. Some questions you should ask:

• Has your home been valued correctly? Sometimes, insurers undervalue homes to offer a lower premium. But if that happens, you might not get full reimbursement after a loss or have a fight on your hands to get what you deserve. Make sure your valuation reflects what it truly costs to repair or replace your property.
• Does my auto policy cover loss of use? First accident forgiveness? These are valuable options that you may want and they could save you a lot of money and frustration later. Sometimes these are not included in an effort to offer a lower premium.
• What are the exclusions? Every policy has exclusions — things it doesn’t cover. But you need to know if those exclusions could impact you. For example, are certain water damages excluded? Knowing this upfront can eliminate surprises later.

We help you understand the fine print and the details that matter. Munn Insurance takes the time to explain the differences in coverage and help you select a policy that truly protects your home and car — not just one that looks good on paper.

More Choice. More Options.

When you work with a direct insurance company, you’re often limited to a single product — a one-size-fits-all approach that may not reflect your specific needs. But insurance shouldn’t be cookie-cutter.

Working with a broker like Munn Insurance means you have access to many insurance markets — and that opens the door to more choice and more coverage options.

Whether you’re looking for enhanced protection, bundling discounts, coverage for a second home or rental property, or options tailored to your profession or lifestyle, a broker can explore multiple offers and help you compare. They’ll walk you through the differences and guide you toward the solution that fits best.

At Munn, we leverage our relationships with a wide range of insurance providers to find you the best coverage for your unique situation. Our expertise ensures you’re not stuck with a cookie-cutter policy, but instead have flexible options tailored to your needs and budget.

Local Matters

It’s easy to overlook where your insurance company is based — until you really need them. Are you dealing with a national call center or a direct writer with no real presence in your province?

Working with a local broker means working with someone who understands the unique risks and realities of your region. They know the climate. They know the housing market. And they know how to help when things go sideways.

Munn Insurance is proud to be rooted right here in Atlantic Canada. We understand the weather, local building codes, and the nuances of our communities. That local knowledge means faster, more personalized service and claims handling — when it matters most.

Who’s Really on Your Side?

Here’s something many people don’t realize: when you buy insurance directly from a company, their agents work for them — not for you. But when you work with a broker, it’s different.

A broker represents you.

That means if there’s ever a disagreement over a claim, or if you’re unsure about your coverage, your broker can step in and advocate on your behalf. They’ll help clarify your options, push for fair treatment, and work toward a more favorable outcome.

At Munn Insurance, we’re your trusted advocate. Our commitment is to protect your interests, helping you navigate difficult claims and questions. We don’t just sell policies — we build relationships and stand with you when it counts.

Value Goes Beyond the Quote

Price is part of the equation — no question. But real value comes from knowing you’re properly protected, treated with care, and supported when it matters most.

So next time you’re comparing quotes, don’t just ask “How much?”
Make sure you ask: “What am I actually getting?”, “Will this cover me in the moments that count?” and “Do I have someone in my corner?”

Munn Insurance helps you see the full picture — combining competitive pricing with coverage, service, and support that delivers true peace of mind. Because the best insurance is the kind you can count on.

If you’re ready to get the right coverage for your home and auto — combining great value, competitive pricing, personalized coverage and protection as well as personalized service — Munn Insurance is here to help. Our local experts will work with you to find the best options that fit your needs and budget. Give us a call today at 1-855-726-8627 to speak with a friendly team member and get started.