Cahoon Custom Coverage Comparison

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Auto Policy
BI: 250/500
PD: 100
UM/UIM: 250/500
PIP: 3
UMPD: NA
COMP: 100
COLL: 1000
ROADSIDE: YES
RENTAL CAR: ?
GLASS: ?

Total ANNUAL cost: $2798




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Homeowners
DWELLING: $1288000
SEP STRUCTURES: $128800
PERSONAL PROP: $772800(?)
LOSS OF USE: $Actual Loss Sustained (?)
LIABILITY:$300000
MEDICAL:$1000
EARTHQUAKE: YES
(EQ Deductible 20% or $257,600)
IDENTITY RECOVERY: ?
WATER BACKUP: ?
MOLD: NO
HO5 Coverage: NO
DEDUCTIBLE $1000


Total ANNUAL cost: $3000




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Umbrella
2 Million of coverage
Annual Cost: $400 ?
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Personal Articles Floater
? $900 for the year
vs.
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Auto Proposal
BI: 500/500
PD: 500
UM/UIM: 500/500
PIP: 3
UMPD: NA
COMP: 100
COLL: 1000
ROADSIDE: YES
RENTAL CAR: 40/1200
GLASS: YES

Total ANNUAL cost: $2160



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Homeowners
DWELLING: $2800000 (Blanket Policy)
SEP STRUCTURES: $Included
PERSONAL PROP: $Included
LOSS OF USE: Included
LIABILITY: $500000
MEDICAL: $5000
EARTHQUAKE: YES
(EQ Deductible 5% or $70,000)
IDENTITY RECOVERY: YES
WATER BACKUP: YES ($50000)
MOLD: YES
HO5 coverage: Yes
DEDUCTIBLE $2500

Total ANNUAL cost: $2730





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Umbrella Proposal
2 Million of coverage
Annual Cost: $300
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Personal Articles Floater
Ring = $14000
Ring = $55000
Necklace = $2000
Pendant = $1000
Bracelet = $1200
Watch = $4500
Watch = $3700
Watch = $4900
Watch = $3600
Golf Clubs = $6000

Total Value = $96,000

Annual Cost: $823
★★★★★
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