Sankar Family Quote Comparison

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Travelers Home Insurance
Dwelling Coverage (A): $714,800
Other Structures (B): $7,148
Personal Property (C): $200,000
Loss of use (D): $142,960
Personal Liability (E): $500,000
Medical Payments (F): $5,000

Deductible: $2,500

Personal Property Replacement Cost: included
Special Personal Property: included
Additional Replacement Cost Protection: 50%
Personal Injury: included
Buried Utility Lines: 20,000
Water Backup Coverage: 50,000
Limited Hidden Water Coverage: 20,000

Annual Cost: $1,431
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Travelers Auto Insurance
Bodily Injury Liability: 250,000/500.000
Property Damage Liability: 100,000
UM/UIM: 250,000/500,000
Medical Payments: 10,000
Comprehensive Ded:
500: 2003 Honda
1000: 2012 & 2021 CRV
Collision Ded:
2003 Honda: 500
2012 & 2021 CRV: 1000
Roadside Assistance: included
Accident forgiveness: included
Minor violation forgiveness: included

Annual Cost: $2,171
(12 month policy, locked in rates)


Savings Opportunity:
Telematics: Save ADDITIONAL $254 (Prabha, Pal, Shivesh)
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Travelers Umbrella Insurance
Umbrella Liability protection: 1,000,000
Excess Uninsured motorist protection: 1,000,000

Annual Additional Cost: $422
Total Cost of Protection
4,024
vs.
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Costco Home Insurance
Dwelling Coverage (A): $472,900
Other Structures (B): $94,580
Personal Property (C): $331,030
Loss of use (D): $118,225
Personal Liability (E): $200,000
Medical Payments (F): $1,000

Deductible: $1,000

Personal Property Replacement Cost: included
Special Personal Property: ???
Additional Replacement Cost Protection: ???
Personal Injury: NOT included
Buried Utility Lines: NOT included
Water Backup Coverage: ???
Limited Hidden Water Coverage: NOT included

Annualized Cost: (estimate) $1,260
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Costco Auto Insurance
Bodily Injury Liability: 100,000/300,000
Property Damage Liability: 100,000
UM/UIM: 100,000
Medical Payments: 5,000
Comprehensive Ded:
500: 2003 Honda, 2012 CRV, 2021 CRV
1000: N/A
Collision Ded:
500: 2003 Honda, 2012 CRV, 2021 CRV
1000: N/A
Roadside Assistance: ??? Declarations says "nonelect"
Accident forgiveness: NOT included
Minor violation forgiveness: NOT included

Annualized Cost: $2,342
(6 month policy, more frequent rate increases)
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Costco Insurance
???



Total Cost of Protection
3,392
★★★★★
Additional Property/Liability Protection
$276,000/$1,500,000
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