REAL CASE HISTORY account SAVINGS $2,273 a year
State Farmvs. ONECALLUSA.COM / Bob Korvas Agency
$8,988.00vs. $6715
This was no contest we beat State Farm by $2,273 a year. We also improved the coverage in multiple areas.
State Farm InsuranceONECALLUSA. com
Captive Direct agencyBob Korvas Agency INDEPENDENT
Home in Illinoiscoverage/limitscoverage/limits
Dwelling amount $1,163,000$1,163,000
Jewelry schedule $120,000 stated value$120,000 *AGREED value
Liability $300,000$300,000
REPLACEMENT COST LIMITED 20%CAP*NO CAP LIMITED
2nd Home Wisconsin
Dwelling amount $740,000$800,000
Liability $300,000$300,000
Deductible $3,700$2500
REPLACEMENT COST LIMITED 20%CAP*NO CAP LIMITED
HARLEY DAVIDSON 1997
MCYCLE 1340 CC$1,000 deductible$500 deductible
NON OWNED AUTO 'MISSING'INCLUDED
Liability$300,000 $300,000
UN + UNDERINSURED$300,000
BOATS TRALERS REC VEHICLES
1) Chaparral Sunesta $60,000 stated* value$60,000 *AGREED value
25 ft / 350 HP IN/Outboard$1000 deductible$250 deductible
2) Alumacraft Dominator $25,000 stated* value$25,000 *AGREED value
17ft 175 HP Outboard
3) Seadoo$7,500 stated value$7,500 AGREED value
4) Seadoo$7,500 stated value$7,500 AGREED value
$3,000,000 PERSONAL LIABILITY UMBRELLASAME
INCLUDES UN / UNDERINSURED EXTENSION
$8,988.00 PER YEAR$2,273 LOWER$6,715.00 PER YEAR
BILLING is simpler: with State Farm they had 7 bills now they have only 2.
*This example is for owners of a family business and use those automobiles personally (*important to note). We explain some major differences, improvements and added (*overlooked) missing coverage for this household on the following page. The missing items could have resulted in a MAJOR FINANCIAL DISASTER if a claim occurred. This household is from the NW suburbs of CookCounty with a second home in Wisconsin.
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REVIEW OF UPGRADES AND IMPROVEMENT COMPARED TO PRIORSTATE FARM POLICIES.
This is an actual account insured by us. This brief outline is for quote comparison purposes of a real household.
What we do. Our comparison process includes an interview with the prospective client(s) along with a review of existing policy information that you provided to us. We then shop all of our A+ and EXCELLENT rated insurnace companies for the best program and value. It's not a complete detail of, nor substitute for an actual policy contract. Insured's should always read the entire insurance policy contract. (June 2015 Acuity)
Two (2) HOMEOWNERS policiesState Farmours
-We LOWERED the DEDUCTIBLE: from .5% or $3700we made them $2500
- WEINCREASED Dwelling limitfrom $740,000 to $800,000
- NO CAP LIMIT we REMOVED the 20% limit for replacement (we call it a CAP limit)
(State Farm among the first to add 'CAP' limit at 20% above the dwelling amount. Restricts the amount you get to rebuild your home for a claim. Other companies: Allstate, American Family, Farmers, Country Cos etc.)
- Jewelry AGREED VALUE settlement simpler/easierwith less restriction than STATED value.
- Personal property and contents is upgraded to special form instead of broad form again better for you.
WATERCRAFT, boats, jet ski's, trailers
- AGREED VALUE instead of restrictive Stated value make claims easier when they occur
- These now have TOWING included on and off land
- LOWER DEDUCTIBLE from $1,000 compared to our $250 PLUS+ it disappears to $0!!!
HARLEY DAVIDSON CYCLE
-$500 deductible plus Uninsured Motorist Property Damage is now included
AUTOMOBILE COVERAGE
- MISSING from their account. Since they do not have any 'personally owned and titled vehicles' this family could have suffered serious consequences of NO COVERAGE while driving any personal auto. The Personal Umbrella would not cover properly as well.
$3 Million Umbrella liability with Un/Underinsured extension
- MISSING coverage on underlying policies. For some reason State Farm only listed 1 watercraft, 1 rec vehicle, 1 residential, 4 operators and 2 automobile. We added 3 more watercraft/rec, the motorcycle and 2nd home to be included. There was no personal automobile policy before and we included that to be sure there is no gap.
BILLING is simpler: At State Farm they had 7 bills now they have only 2.
All of the policy information given to us by the clients is kept on file. We used those and the clients interview to create the policy package.
8111 N Milwaukee Avenue
Niles, Ill60714-2803
office 847/470-8830 facs 847/966-9444
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