Question: The Broker completes a homeowners quote for a client which includes sewer back up, overland water and utility line coverage. The client complains the rate

The Broker completes a homeowners quote for a client which includes sewer back up, overland water and utility line coverage. The client complains the rate is too high and wants a comparison quote without the optional coverages. What should the Broker discuss with the client to ensure the best product suitability?

The savings from removing these optional coverages.

The risks of higher claims without these coverages.

What product comparisons were carried out and the risks of removing the coverages.

Policies from other brokers with fewer coverages.

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