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advise on new home insurance-Family Insurance Solution

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location-Surrey,BC
previous home insurance -BCAA ~$1,600-
possibly new insurance-Family Insurance Solution ~$1000 (it looks like the same coverage as BCAA-earthquate, personal property...)
Question:
any one have experience with Family Insurance Solution?
Deductible-$1000, is this normal, should i go higher (to further decrease my overall insurance)?
my broker said that in case of water pipe damage, the insurance will not cover the plumber cost, but will cover all the damages caused from the damages pipe (including the wall that needs to be remove to fix/replace the pipe) - is this normal?
the same question about glass window, the insurance does not cover broken glass (ie. due to pressure) unless it was hit by a object (ie. rock) - normal?

any advise?

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