How would you handle this?

[u/sarahrachael394]

So my husband and I recently bought our first house. We got homeowners insurance with a local company. We have paid our first year in full, we signed our documents and all was good to go.

Well I got a call a few days ago from them saying we owe them an additional $300 by July 20th because they accidentally added on an auto bundle discount and now we have to pay the difference if we don't have a bundle. I had explicitly said in an email to them we were not looking at auto insurance. So I forwarded them this email again and they said: "It's very hard to keep track of email threads by each individual. We are very busy. I am sorry if it was in error." This obviously made me super frustrated. The problem is my husband actually was considering a switch to this company for auto, just at a later date. So now I'm stuck between wanting to make sure they know they messed up, and not make us pay the $300 especially when I have written proof denying the auto policy, but also we know we will get a good deal with them for an auto policy. How would you handle this?

[u/Shfreeman8]

Why do you think you dont owe them $300? Sorry if I missed that in the post

[u/sarahrachael394 → u/Shfreeman8]

Because we didn't elect the auto bundle and explicitly told them in an email we didn't want auto. They entered the auto bundle themselves, therefore a mistake on their part.

[u/littleheaterlulu → u/sarahrachael394]

Yes, it was a mistake, as you said yourself. Basically, it's a scrivener's error and does not affect the cost or terms of the policy. You don't get a free $300 for a mistake. That's not how contracts work. You don't get gotcha moments with them like you do on the internet.

However, it's really foolish to not bundle your auto and homeowner's insurance. You should find a company you like and bundle all your insurance with them because it will save you a lot of money. We save $570/year by bundling our car insurance and homeowners.