Insurance Review

HOME INSURANCE REVIEW

Coverage

Description

Suggested minimum

Current

CCI Option 1

CCI Option 2

Notes

Dwelling (Cov A)

Repairs/Rebuilds your home under all covered perils. Coverage begins after chosen deductible.

100% RCE

Separate Structures (Cov B)

Repairs/Rebuilds your detached structures under all covered perils. Coverage begins after chosen deductible.

10% of RCE

Personal Property (Cov C)

Restores/Replaces your personal property if damaged or stolen due to a covered peril. Coverage begins after chosen deductible.

50-75% of RCE

Loss of Use (Cov D)

Supplements living expenses if you cannot live in your home due to a covered peril. Coverage begins after chosen deductible.

12-24 Months

Personal Liability (Cov E)

Pays for judgments against you, or legal fees to defend against a judgement . Deductible does not apply.

Equal to suable assets

Guest Medical (Cov F)

Paid medical expenses incurred by guests, up to the limits of the policy.

$5000

Law/Ordnance

Pays to bring your home to code during reconstruction due to covered loss.

10% RCE

Extended Dwelling 

Additional dwelling coverage for unexpected price fluctuations  in parts/labor. Cov A must be 100% RCE

25-50% RCE

ID Fraud

Pays to restore identity in the event of ID theft. Coverage begins after deductible

$50,000

Sewer drain back up

Restores damage caused by sewer/drain back up. Coverage begins after chosen deductible.

$20,000

Loss Assessment (HO6)

Pays for assessments incurred by HOA tied to covered a peril. Coverage begins after chosen deductible.

$20,000

AP deductible

Financial responsibility of the insured. 

$1000

WH deductible

Financial responsibility of the insured., specific to Wind/Hail losses.

$1000

12 Month rate

AUTO INSURANCE REVIEW

Coverage

Description

Suggested minimum

Current

CCI Option 1

CCI Option 2

Vehicle 1

Bodily Injury

Pays for expenses incurred by the non at fault party regarding pain and suffering; Lost Wages; Medical. It also pays for your legal fees. Coverage stop when policy limits are met

100/300

Property Damage

Pays for the repair of damage property belonging to the not at fault party. Coverage stops when policy limits are met

100

Vehicle 2

Uninsured Motorist-BI

Pays your expense pertaining to pain and suffering; lost wages; medical; legal fees when the other party has too little or no Bodily injury coverage. Coverage stops when policy limits are met

100/300

Medical

Pays for your vehicle medical expenses, per person regardless of fault. This also covers funeral expenses, Coverage stops when policy limits are met

5000

Vehicle 3

Comprehensive

Pays to repair/replace your vehicle, in the event of theft, vandalism, acts of nature, minus chosen deductible. Flood waters are not covered

500

-Glass replacement

Replaces windshield if crack is larger than a dollar bill, minus the deductible, Subject to comprehensive deductible if not chosen or available

0

Vehicle 4

Collission

Pays to repair /replace your vehicle in the event of a collision minus chosen deductible

500

Uninsured Motorist-PD

Pays to repair your vehicle if an uninsured or under insured driver collides with your vehicle. Also applies in hit/run situation. Coverage starts after your deductible 

250

Tow/Roadside srvc

Pays to tow you to a safe location or conduct minor repairs to get your back on the road

Yes

Vehicle 5

Loss of use

Pays you cash per day, for 30 days to rent a vehicle if your covered vehicle in is in  maintenance due to a comprehensive or collision situation 

50/3000

Rental Reimburstment

Pays the rental car company directly for 30 days f your covered vehicle in is in  maintenance due to a comprehensive or collision situation 

12 Month rate