Smith Custom Coverage Comparison

Auto Policy

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

Total ANNUAL cost: $1934.16

Homeowners

DWELLING: $172800
SEP STRUCTURES: $17280
PERSONAL PROP: $129600
LOSS OF USE: ALS
LIABILITY: $300000
MEDICAL:$1000
EARTHQUAKE: NO
IDENTITY RECOVERY: NO
WATER BACKUP:NO
MOLD: NO
HO5 Coverage: NO
EXTENDED REPLACEMENT: 120%
DEDUCTIBLE $1000

Total ANNUAL cost: $?

Umbrella

NONE

vs.

Auto Proposal 1

BI: 250/500
PD: 100
UM/UIM: 250/500
PIP: 3
UMPD: NA
COMP: 500
COLL: 500
ROADSIDE: Yes
RENTAL CAR: NO
GLASS: Free Rock Chips Repair

Total ANNUAL cost: $985

Homeowners Proposal

DWELLING: $210000
SEP STRUCTURES: $21000
PERSONAL PROP: $147000
LOSS OF USE: $42000
LIABILITY: $300,000
MEDICAL: $1000
EARTHQUAKE: $209
Ded: 5%
IDENTITY RECOVERY: YES
WATER BACKUP: YES
MOLD: YES
HO5 coverage: YES
EXTENDED REPLACEMENT: 125%
DEDUCTIBLE $1000

Total ANNUAL cost: $534

With Earthquake coverage: $743

Umbrella

1 Million
Total ANNUAL cost: $186

★★★★★