你可以談判房主保險嗎？
你可以談判房主保險嗎？
 No. Insurance rates are set by actuaries. They are mathematical professionals who calculate the probability of an event occurring, and price their rates accordingly. They do give credits for a reduction of risk (alarms, sprinklers, nearby fire hydrant...), but the number is not negotiable. Every company calculates their risks differently, and some may need to add a certain risk in their portfolio in order to diversify, or may prefer a certain type of risk, and therefore will be priced better for a certain policy, which is why your agent should shop your policy to multiple carriers to ensure you get the best rate.
問答
保險問答 多語言問答