Coverage shifts

Direct answer

Coverage shifts can make policies look cheaper by moving costs into deductibles, limits, or exclusions.

Why it changes price

  • A lower premium can be the result of less coverage, not better pricing.
  • Small wording changes (endorsements, definitions) can shift who pays and when.
  • Comparing price without structure creates false savings.

Decision rule

If a quote is cheaper, compare deductibles, limits, and endorsements before you treat it as a win.

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