Tonya Stearns Coverage Comparison

CURRENT COVERAGES
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Current Auto
Bodily Injury /Accident $50,000/$100,000
Property Damage $50,000
Uninsured BI/Accident $50,000/$100,000
Uninsured Motorist PD $50,000
Medical Payments $5,000

Comprehensive YES; $500 deductible
Full Glass NO; $500 deductible
Collision YES; $1,000 deductible

Roadside Assistance NO
Rental Car NO

Coverage Term 12 months
Cost $5,346/12-months.
Annual Cost $5,346/yr.
$5,346/yr.
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Current Home
Dwelling [A] $470,000
Extended Coverage [A] $117,500
Other Structures [B] $47,000
Personal Property [C] $235,000
Loss of Use [D] $94,000

Personal Liability [E] $500,000
Medical Payments [F] $1,000

Replacement Cost [C] YES
Replacement Cost Roof YES

Ordinance or Law
Loss Assessment $500

Water Backup $5,000
Mold Coverage - As Part of a Covered Loss
Limited Hidden Water Damage N/A

Sinkhole NO
Personal Injury YES

All Perils Deductible $1,500
Wind/Hail Deductible 1% of Cov [A] ($470,000)
$5,152/yr.
$10,498
vs.
QUOTED COVERAGES
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Quoted 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; $500 deductible
Full Glass NO; $500 deductible
Collision YES; $1,000 deductible

Roadside Assistance NO
Rental Car NO

Coverage Term 12 months
Cost $4,248/12-months.
Annual Cost $4,248/yr.
$4,248/yr.
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Quoted Home
Dwelling [A] $480,000
Extended Coverage [A] Up to $5 Million
Other Structures [B] $50,000
Personal Property [C] $240,000
Loss of Use [D] $100,000

Personal Liability [E] $500,000
Medical Payments [F] $10,000

Replacement Cost [C] YES
Replacement Cost Roof YES

Ordinance or Law Up to $5 Million
Loss Assessment NO

Water Backup $5,000
Mold Coverage $10,000
Limited Hidden Water Damage N/A

Sinkhole NO
Personal Injury N/A

All Perils Deductible $2,500
Wind/Hail Deductible $5,000
$4,391/yr.
$8,639
★★★★★
TOTAL ANNUAL SAVINGS:
$1,859
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