Rousseau Quote Comparison

Notes:

Auto: Allstate is offering a much lower rate. I do have some concerns with the coverages.

1. Concern: Lower/Inconsistent Coverage. The coverages on the Allstate quote provide lower UM property damage coverage.  This is a big deal if you are hit by an uninsured motorist and want to get your vehicle repaired. Instead of $50,000, you would only have $25,000 to get the vehicle repaired. There is also less medical payments coverage, which impacts how much is paid to people in your vehicle who are injured, regardless of fault in an accident.
2. Concern: Drivers in the Household. Both quotes need to show all 5 household drivers. On the National General, I would recommend excluding the 3 kids. Be aware that the underwriting questions for National General ask if all vehicles in the household are on the policy.
3. Concern: Telematics on Allstate quote. Do you want to have your driving monitored? I don’t remember you wanting that. Your Allstate quote includes a discount for monitoring your driving.
4. I have National General as a carrier. When I run your quotes with them for all 5 of you, my rate is $11,423/yr. with a home-auto discount if you do not use the telematics. If you use telematics for everyone except Chelsea, the rate decreases to $11,011/yr.

Home: Allstate is offering a higher rate with less coverage and a higher wind/hail deductible.

1. While the dollar amounts look good. The glaring lack of coverage I see is that Allstate isn’t offering replacement cost on your roof.
2. They are also requiring a higher wind/hail deductible.
3. Here is what that means for you: If your roof is damaged by wind/hail/tornado.
   1. National General Policy: You are responsible to pay  $2,500 to the roofer because this is your deductible. The carrier pays the rest of the cost to repair or replace your roof.
      e.g. Roof is $20,000 to replace. You pay $2,500. National General pays $17,500.
   2. Allstate: You are responsible to pay  $5,270 to the roofer because this is your deductible. The carrier pays part of the cost to repair or replace your roof based on the age and/or condition of your roof. You pay the rest of the cost to repair or replace your roof.
      e.g. Roof is $20,000 to replace. You pay $2,500. If Allstate decides that your roof is only worth 50% of the cost to replace it, they pay $10,000 and you pay the additional $7,500. This is a total of $10,000 out of your pocket.