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Policy Comparison’s – Pitt

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Homeowners
Dwelling : $488,000
Other Structures : $73,200
Personal Property : $366,000
Medical Payments: $1,000
Personal Liability : $500,000

Other Property Coverage's:
- Water back up/sump pump discharge $20,000
- Service Line Coverage
- Scheduled Jewelry

Deductible: 2,000
Premium: $931
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Auto
Bodily Injury Liability and Property Damage
$500,000

Uninsured/Under-insured Motorist Bodily Injury
$500,000

Medical Payments: $1,000

Comprehensive coverage $500 deductible all vehicles
Collision Coverage $500 deductible all vehicles

Rental Reimbursement & Roadside Assistance

12 month premium - $1,183
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Cottage
Dwelling : $418,000
Other Structures : $62,700
Personal Property : $313,500
Medical Payments: $1,000
Personal Liability : $500,000

Water back/sump pump discharge: $10,000

Deductible: $2,000
Premium: $1,173
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Boat
Value: $15,500
Medical Payments: Comes from homeowners ($1,000)
Personal Liability: Comes from homeowners ($500,000)

Deductible: $500
Premium: $157 or $200 if you choose to sperate boat on Progressive policy
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Personal Umbrella
Limit of Liability: $1,000,000
Uninsured & Underinsured Motorists: Rejected

Premium $127
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Total Combined Premium: $3,571
Things to consider:

-Where to insure the boat. On the homeowners (slightly cheaper) or on a separate policy (if claims occur will not effect homeowners premium).

-Updated Medical Payments on quote from $5,000 to $1,000 to match current Erie limit of $1,000

- Added water/sewer backup coverage on quote to $10,000 on cottage to match current Erie limit of $10,000
vs.
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Homeowners
Dwelling : $396,000
Other Structures : $79,200
Personal Property : $297,000
Medical Payments: $1,000
Personal Liability : $300,000

Other Property Coverage's:
- Water back/sump pump discharge: $20,000
- Scheduled Jewelry

Deductible: $2,000
Premium: $1,099
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Auto
Bodily Injury Liability and Property Damage $250,000/500,000/100,000

Uninsured/Under-insured Motorist Bodily Injury
$250,000/500,000

Medical Payments: $1,000

Comprehensive coverage $500 deductible all vehicles
Collision Coverage $500 deductible all vehicles

Roadside Assistance

12 month premium - $1,396
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Cottage
Dwelling : $284,500
Other Structures : $56,900
Personal Property : $213,375
Medical Payments: $1,000
Personal Liability : $300,000

Water back/sump pump discharge: $10,000

Deductible: $2,000
Premium: $975
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Boat
Value: $15,500
Medical Payments: $1,000
Personal Liability: $300,000

Deductible: $500
Premium: $83
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Personal Umbrella
Limit of Liability: $1,000,000
Uninsured & Underinsured Motorists: Rejected

Premium $233
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Total Combined Premium: $3,786
Things to consider:

-Dwelling values under-insured for amount of updates that have been completed and modern cost of building material

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