Mortensen Custom Coverage Comparison

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

Total ANNUAL cost: $1182.24
(this is the price for 2 vehicles)



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Homeowners
DWELLING: $1130400
SEP STRUCTURES: $113040
PERSONAL PROP: $847800
LOSS OF USE: ALS (actual loss sustained)
LIABILITY: $100000
MEDICAL: $1000
EARTHQUAKE: Yes
(EQ Deductible 20%)
IDENTITY RECOVERY: NO
WATER BACKUP: YES
MOLD: NO
HO5 coverage: NO
DEDUCTIBLE $5652

Total ANNUAL cost: $3055




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Umbrella
1 Million - You don't currently have an umbrella
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Motorcycle
BI: 250/500
PD: 100
UM/UIM: 25/65
PIP: 3
UMPD: NO
Medical: 0
Annual Premium: $111.32
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Second Home
DWELLING: $481700
SEP STRUCTURES: $48170
PERSONAL PROP: $361275
LOSS OF USE: ALS (actual loss sustained)
LIABILITY: $300000
MEDICAL: $1000
EARTHQUAKE: NO
IDENTITY RECOVERY: NO
WATER BACKUP: YES
MOLD: NO
HO5 coverage: NO
DEDUCTIBLE $2408

Total ANNUAL cost: $932
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Personal Articles Floater
Jewelry: $80100
Deductible: 100
Annual Premium: $1012
vs.
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Auto Proposal
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: $1258.00
(this is the price for 3 vehicles)


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Homeowners
DWELLING: $1200000
SEP STRUCTURES: $120000
PERSONAL PROP: $840000
LOSS OF USE: ALS $240000
LIABILITY: $500000
MEDICAL: $5000
EARTHQUAKE: Yes
(EQ Deductible 5%)
IDENTITY RECOVERY: NO
WATER BACKUP: YES
MOLD: YES
HO5 coverage: YES
DEDUCTIBLE $2500

Total ANNUAL cost: $2262
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Umbrella
1 Million- Annual Premium $235

I highly recommend you add this to your protection package.
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Motorcycle
BI: 250/500
PD: 100
UM/UIM: 100/300
PIP: 3
UMPD: Yes
Medical: $2500

Annual Premium: $99
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Second Home
DWELLING: $482000
SEP STRUCTURES: $48200
PERSONAL PROP: $337400
LOSS OF USE: $96400
LIABILITY: $500000
MEDICAL: $1000
EARTHQUAKE: YES
(EQ Deductible 5%)
IDENTITY RECOVERY: NO
WATER BACKUP: YES
MOLD: YES
HO5 coverage: YES
DEDUCTIBLE $1000

Total ANNUAL cost: $958.00
(includes the cost of earthquake)
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Personal Articles Floater
Jewelry: $80100
Deductible: 100
Annual Premium: $741
★★★★★
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