My home insurance company added discounts to my policy without telling me and it’s now going to be more than double what I was quoted.

I just bought my first home and before closing I got multiple quotes from multiple different companies to compare rates. My lender recommended goosehead insurance and gave me the number for an agent there. I called and was able to get a quote that was significantly lower than anywhere else I was quoted for so I decided to go with them.

Two days later I got a call from someone from goosehead asking which security company I wanted to go with. I told them none and he kept being really pushy about it. He was like “don’t you think your wife wants to feel safe in your home.” I finally got him to back off. I hadn’t heard anything from them until today when I got an email saying that my discounts were about to expire. I then looked at the email and it showed a discount for a home security system, a discount for referring a friend, and a discount for bundling home and auto.

I don’t have any of that, I checked my contract with them and not a single one of those discounts are listed in the contract. I called them and they told me that if I don’t apply those discounts within 10 more days then they’re going to cancel them and raise my rates to about double what they quoted me originally. This seems really unfair and a horrible practice. I wouldn’t have gone with them if I knew that they added those discounts to the quote already.