Gupta Coverage Comparison

CURRENT COVERAGES
Current Auto
Bodily Injury /Accident $100,000/$300,000
Property Damage $100,000
Uninsured BI/Accident $100,000/$300,000
Uninsured Motorist PD $100,000
Medical Payments $5,000

Comprehensive YES; $1,000 deductible
Full Glass NO; $1,000 deductible
Collision YES; $1,000 deductible

Roadside Assistance YES
Rental Car NO

Gap Coverage NO
Decreasing Deductible NO

Coverage Term 6 months
Cost $2,116/6-months.
Annual Cost $2,116 x 2 = $4,232/yr.
$4,232/yr.
Current Home (Travelers)
Dwelling [A] $618,000
Extended Coverage [A] $309,000
Other Structures [B] $6,180
Personal Property [C] $309,000
Loss of Use [D] $123,600

Personal Liability [E] $500,000
Medical Payments [F] $5,000

Replacement Cost [C] YES
Replacement Cost Roof YES

Ordinance or Law $61,800
Loss Assessment $1,000

Water Backup NO
Mold Coverage NO
Limited Hidden Water Damage N/A

Sinkhole NO
Personal Injury NO
Service Line Coverage NO
Scheduled Jewelry NO

All Perils Deductible $5,000
Wind/Hail Deductible - Included
$2,955/yr.
Current Umbrella
Personal Umbrella NO
Excess Uninsured Motorist NO
N/A
$7,187
vs.
QUOTED COVERAGES
Quoted Auto
Bodily Injury /Accident $250,000/$500,000
Property Damage $100,000
Uninsured BI/Accident $250,000/$500,000
Uninsured Motorist PD $100,000
Medical Payments $10,000

Comprehensive YES; $1,000 deductible
Full Glass NO; $1,000 deductible
Collision YES; $1,000 deductible

Roadside Assistance YES
Rental Car NO

Gap Coverage NO
Decreasing Deductible NO

Coverage Term 12 months
Cost $3,726/12-months.
Annual Cost $3,726/yr.
$3,726/yr.
Quoted Home
Dwelling [A] $528,000
Extended Coverage [A] $528,000
Other Structures [B] $10,560
Personal Property [C] $369,600
Loss of Use [D] $105,600

Personal Liability [E] $500,000
Medical Payments [F] $5,000

Replacement Cost [C] YES
Replacement Cost Roof YES

Ordinance or Law $264,000
Loss Assessment $5,000

Water Backup $10,000 (included)
Mold Coverage - As Part of A Covered Loss
Limited Hidden Water Damage N/A

Sinkhole NO
Personal Injury YES (included)
Service Line Coverage NO
Scheduled Jewelry NO

All Perils Deductible $5,000
Wind/Hail Deductible - 1% of Cov A ($5,280)
$2,459/yr.
Quoted Umbrella
Personal Umbrella $1,000,000
Excess Uninsured Motorist NO
$716/yr.
$6,901
★★★★★
TOTAL ANNUAL SAVINGS:
$286
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