Boyack Custom Coverage Comparison

BI: 250/500
PD: 100
UM/UIM: 250/500
PIP: 3
UMPD: NA
COMP: 2000
COLL: 2000
ROADSIDE: ?
RENTAL CAR: ?
GLASS: No

Total ANNUAL cost: $?

DWELLING: 543000
SEP STRUCTURES: 54300
PERSONAL PROP: 380000
LOSS OF USE: 108000
LIABILITY: 500000
MEDICAL: 5000
EARTHQUAKE: NONE
(EQ Deductible 5%)
IDENTITY RECOVERY: NO
WATER BACKUP: YES
MOLD: YES
HO5 coverage: NO
BUSINESS OCCUPANCY: YES
DEDUCTIBLE $2500

Total ANNUAL cost: $575.00

1 Million - Annual Premium: $?

BI: 100/300
PD: 100
UM/UIM: 100/300
PIP: 3
UMPD: YES

Annual Premium: $?

BI: 250/500
PD: 100
UM/UIM: 250/500
PIP: 3
UMPD: NA
COMP: 2000
COLL: 2000
ROADSIDE: ?
RENTAL CAR: ?
GLASS: No

Total ANNUAL cost: $?

BI: 250/500
PD: 100
UM/UIM: 250/500
PIP: 3
UMPD: NA
COMP: 1000
COLL: 1000
ROADSIDE: YES
RENTAL CAR: NO
GLASS: NO

Total ANNUAL cost: $1072

DWELLING: 543000
SEP STRUCTURES: 54300
PERSONAL PROP: 380100
LOSS OF USE: 108600
LIABILITY: 500000
MEDICAL: 1000
EARTHQUAKE: $488.70
(EQ Deductible 5%)
IDENTITY RECOVERY: NO
WATER BACKUP: YES
MOLD: YES
HO5 coverage: YES
BUSINESS OCCUPANCY: YES
DEDUCTIBLE $2500

Total ANNUAL cost: $1096.00
(includes the cost of earthquake)

Also we can cover just the dwelling for the earthquake and that would drop the price to $938.00

1 Million- Annual Premium $270

BI: 100/300
PD: 100
UM/UIM: 100/300
PIP: 3
UMPD: YES

Annual Premium: $165

BI: 250/500
PD: 100
UM/UIM: 250/500
PIP: 3
UMPD: NA
COMP: 1000
COLL: 1000
ROADSIDE: NA
RENTAL CAR: NA
GLASS: No
VACATION LIABILITY: YES

Total ANNUAL cost: $275