Smotherman & Blackwell Coverage Comparison

CURRENT COVERAGES
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Renewal Auto
Bodily Injury /Accident $100,000/$300,000
Property Damage $100,000
Uninsured BI/Accident $100,000/$30,000
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 NO
Rental Car YES

Coverage Term 12 months
Cost $5,399/12-months.
Annual Cost $5,399/yr.
$5,399/yr.
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Current Home
Dwelling [A] $581,000
Extended Coverage [A] $581,000
Other Structures [B] $58,100
Personal Property [C] $406,700
Loss of Use [D] $116,200

Personal Liability [E] $1,000,000
Medical Payments [F] $5,000

Replacement Cost [C] YES
Replacement Cost Roof YES

Ordinance or Law $290,500
Loss Assessment

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

Sinkhole YES
Personal Injury

All Perils Deductible $1,500
Wind/Hail Deductible 1% of Cov [A] ($5,810)
$2,426
$7,825/yr.
vs.
QUOTED COVERAGES
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GRANGE Auto
Bodily Injury /Accident $100,000/$300,000
Property Damage $100,000
Uninsured BI/Accident $100,000/$30,000
Uninsured Motorist PD $100,000
Medical Payments $5,000

Comprehensive YES; $1,000 deductible
Full Glass YES; $0 deductible
Collision YES; $1,000 deductible

Roadside Assistance YES
Rental Car YES

Coverage Term 6 months
Cost $1,979.63/6-months.
Annual Cost $1,979.63 x 2 = $3,959.26/yr.
$3,959/yr.
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FOREMOST Home
Dwelling [A] $494,710
Extended Coverage [A] Guaranteed Rebuild
Other Structures [B] $49,471
Personal Property [C] $247,355
Loss of Use [D] $123,678

Personal Liability [E] $1,000,000
Medical Payments [F] $5,000

Replacement Cost [C] YES
Replacement Cost Roof YES

Ordinance or Law $247,355
Loss Assessment $500

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

Sinkhole YES
Personal Injury NO

All Perils Deductible $1,500
Wind/Hail Deductible 1% of Cov [A] ($4,947)
$1,416/yr.
$5,375/yr.
★★★★★
TOTAL ANNUAL SAVINGS:
$2,450
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