Reddy & Betz Coverage Comparison

RENEWAL COVERAGES
Renewal 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 $5,000

Comprehensive YES; $500 deductible
Full Glass NO; $500 deductible
Collision YES; $500 deductible

Roadside Assistance YES
Rental Car YES

Gap Coverage NO

Coverage Term 12 months
Cost $1,771/12-months.
Annual Cost $1,771/yr.
$1,771/yr.
Renewal Home
Dwelling [A] $580,500
Extended Coverage [A] $290,250
Other Structures [B] $58,050
Personal Property [C] $290,250
Loss of Use [D] $116,100

Personal Liability [E] $300,000
Medical Payments [F] $5,000

Replacement Cost [C] YES
Replacement Cost Roof - Actual Cash Value

Ordinance or Law $58,050
Loss Assessment $500

Water Backup $10,000
Mold Coverage $10,000
Limited Hidden Water Damage $10,000

Sinkhole YES
Personal Injury NO
Service Line $10,000
Scheduled Jewelry NO

All Perils Deductible $5,000
Wind/Hail Deductible 1% of Cov A ($5,805)
$3,246/yr.
Renewal Umbrella
Personal Umbrella $1,000,000
Excess Uninsured Motorist NO
$220/yr.
$5,237
vs.
QUOTED COVERAGES
Quoted Auto
Bodily Injury /Accident $250,000/$500,000
Property Damage $250,000
Uninsured BI/Accident $250,000/$500,000
Uninsured Motorist PD $250,000
Medical Payments $5,000

Comprehensive YES; $500 deductible
Full Glass NO; $500 deductible
Collision YES; $500 deductible

Roadside Assistance YES
Rental Car YES

Gap Coverage NO

Coverage Term 12 months
Cost $1,199/12-months.
Annual Cost $1,199/yr.
$1,188/yr.
Quoted Home
Dwelling [A] $708,000
Extended Coverage [A] $708,000
Other Structures [B] $70,800
Personal Property [C] $495,600
Loss of Use [D] $141,600

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

Replacement Cost [C] YES
Replacement Cost Roof - Replacement Cost

Ordinance or Law $354,000
Loss Assessment $5,000

Water Backup $20,000
Mold Coverage - As Part of A Covered Loss
Limited Hidden Water Damage N/A

Sinkhole YES
Personal Injury YES
Buried Utility Lines YES
Scheduled Jewelry NO

All Perils Deductible $5,000
Wind/Hail Deductible 1% of Cov A ($7,080)
$2,963/yr.
Quoted Umbrella
Personal Umbrella $1,000,000
Excess Uninsured Motorist NO
$640/yr.
$4,791
★★★★★
TOTAL ANNUAL SAVINGS:
$446
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