If you get surprised because your agent tells you one price but your bill is more expensive, don’t hesitate to ask your agent regarding this. The reason could be that there was a mistake made somewhere during the processing of your application. Check the insurance, deductible, scheduled items and policy endorsements and see if they are identical on the quote and the policy. If everything is okay then check with the agent or company. Sometimes there is a misunderstanding or misinformation involved and you need to talk this out. Tell the agent accurate information regarding your property and the specific coverage you want so that you would have what you expected.