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Policy Comparison’s – Myers

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Homeowners - N47 W6790 Windwood Ct
Dwelling : $514,800
Other Structures : $51,480
Personal Property : $395,500
Medical Payments: $5,000
Personal Liability : $500,000

Other Property Coverage's:
- Water back up/sump pump discharge $25,000
- Service Line

Deductible: $1,500 and $2,000 wind/hail
Premium: $898.66
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Auto
Bodily Injury Liability and Property Damage
$500,000

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

Medical Payments: $10,000

Comprehensive coverage $1,000 deductible all vehicles with full glass
Collision Coverage $1,000 deductible all vehicles

Rental Reimbursement & Roadside Assistance

12 month premium - $1,717.70(Maureen & Sandra) + $2,220 (Madalyn) = $3,937.70
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Cottage - N2439 W Columbia Lake Dr
Dwelling : $198,000
Other Structures : $19,800
Personal Property : $150,000
Medical Payments: $1,000
Personal Liability : $500,000

Deductible: $1,500 and $2,000 wind/hail
Premium: $776.30
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Cottage - E1755 Pine Ridge Ln
Dwelling : $152,100
Other Structures : $15,210
Personal Property : $50,000
Medical Payments: $1,000
Personal Liability : $500,000

Deductible: $1,500 and $2,000 wind/hail
Premium: $389.03
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Personal Umbrella
Limit of Liability: $1,000,000 - $341
Uninsured & Underinsured Motorists: $1,000,000 if accepted then $252

Total Premium $341 or $593
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Total Combined Premium: $6,594.69
Things to consider:

- I ran updated replacement cost estimators to obtain dwelling values for each property. There was a small difference in value on the Cedarburg home and the Columbia Lake property. According to the information I have it looks like the Pine Ridge property is possibly over-insured. We can discuss this if you would like coverage to be higher than I currently quoted.

- Personal property coverage on Pine Ridge property is also much lower on my quote. Not sure if you still have lots of your own stuff in that building or if the quoted $50,000 is sufficient. We can move that number around as well to your comfort.
vs.
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Homeowners - N47 W6790 Windwood Ct
Dwelling : $511,000
Other Structures : $102,200
Personal Property : $383,250
Medical Payments: $5,000
Personal Liability : $500,000

Other Property Coverage's:
- Water back/sump pump discharge: $25,000
- Service Line Coverage

Deductible: $2,000
Premium: $1,196
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Auto
Bodily Injury Liability and Property Damage
$500,000

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

Medical Payments: $10,000

Comprehensive coverage $1,000 deductible all vehicles with full glass
Collision Coverage $1,000 deductible all vehicles

Rental Reimbursement & Roadside Assistance

12 month premium - $806(Erie) + $4,281(Progressive) = $5,087
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Cottage - N2439 W Columbia Lake Dr
Dwelling : $208,500
Other Structures : $41,700
Personal Property : $156,375
Medical Payments: $1,000
Personal Liability : $500,000

Deductible: $2,000
Premium: $814
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Cottage - E1755 Pine Ridge Ln
Dwelling : $207,500
Other Structures : $41,500
Personal Property : $155,625
Medical Payments: $1,000
Personal Liability : $500,000

Deductible: $2,000
Premium: $516
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Personal Umbrella
Limit of Liability: $1,000,000
Uninsured & Underinsured Motorists: Unknown from documents given

Total Premium $342
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Total Combined Premium: $7,955
Things to consider:

- Not sure if your current umbrella policy has the uninsured and underinsured motorist coverage applied or rejected. By looks of premium my best guess is rejected but would be good to check.

- I think we leave the boats as they are on their own policy with Progressive. The coverages, values, deductibles, and premium combination you currently have is great!
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