Policy Comparison’s – Hughes

Partners Mutual Policy

Homeowners

Dwelling : $329,000
Other Structures : $32,900
Personal Property : $246,750
Loss of Use: Actual Loss Sustained
Personal Liability : $300,000
Medical Payments: $1,000

Other coverages:
Personal property replacement cost
Water backup coverage/sump failure - $5,000

Deductible: $1000

$775

Auto

Bodily Injury Liability and Property Damage:
$500,000/$500,000/$100,000

Uninsured/Under-insured Motorist Bodily Injury:
$150,000/$300,000

Medical Payments: $10,000

Comprehensive coverage $250 deductible
Collision Coverage $500 deductible

$708.28/6months or $1,416.56/12 months

Umbrella

Limit of Liability: $1,000,000
Excess UM/UDM: NO

$175

Total Combined Premium

$2,366.56

vs.

New Acuity Policy

Homeowners

Dwelling : $329,000
Other Structures : $49,350
Personal Property : $246,750
Loss of Use: $197,400
Personal Liability : $500,000
Medical Payments: $5,000

Other coverages:
Guaranteed replacement cost
Personal property replacement cost
Water backup/sump pump failure - $5,000
Service line coverage
Equipment/mechanical breakdown - $50,000

Deductible: $1000

$715

Auto

Bodily Injury Liability and Property Damage:
$500,000

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

Medical Payments: $10,000 no seatbelt or $15,000 with seatbelt

Comprehensive coverage $250 deductible
Collision Coverage $500 deductible

Towing/Roadside assistance
Rental reimbursement - $40/day max of $1,200

Loan Coverage on 21 Honda

$1,258/12 months

Umbrella

Limit of Liability: $1,000,000
Excess UM/UDM: NO

$125

Total Combined Premium

$2,098 or if paid in full $2,005

★★★★★

TOTAL ANNUAL SAVINGS:

$268.56 or $361.56 if paid in full