Was wondering if someone could evaluate my insurance. Here's a statement from my current Insurance (Grange) that has pretty much doubled in 3 years. The first statement is from 2013 and the second is from 2008 and the third is a quote from AAA 2014.
Statement from Grange Insurance 11/16/13
Part I Limits of Liability
A - Dwelling $209,700
B - Additional Structures $20,970
C - Personal Property $146,790
D - Loss of use loss deductible $500
Part II
E - Bodily Injury and Property Damage Liability $500,000 Each Occurrence
F - Medical Payments to Others $5,000 Each Person 25,000 eack accident.
Total Premium $1221.00
Statement from Grange Insurance 11/17/08
Part I Limits of Liability
A - Dwelling $173,900
B - Additional Structures $17,390
C - Personal Property $121,730
D - Loss of use loss deductible $500
Part II
E - Bodily Injury and Property Damage Liability $500,000 Each Occurrence
F - Medical Payments to Others $5,000 Each Person 25,000 eack accident.
Total Premium $682.00
New price quote from AAA
Part I Deductible: 1000 ALL PERILS
Part I Limits of Liability
A - Dwelling $194,000
B - Additional Structures $19,400
C - Personal Property $97,000
D - Additional Expenses $38,800
Part II
E - Bodily Injury and Property Damage Liability $100,000 Each Occurrence
F - Medical Payments to Others $1,000 Each Person
Forms and Endorsements made part of this policy
PREMIUM
H-3 Homeowners Insurance Policy - Dwelling Form $453.00
Total Premium $453.00
Statement from Grange Insurance 11/16/13
Part I Limits of Liability
A - Dwelling $209,700
B - Additional Structures $20,970
C - Personal Property $146,790
D - Loss of use loss deductible $500
Part II
E - Bodily Injury and Property Damage Liability $500,000 Each Occurrence
F - Medical Payments to Others $5,000 Each Person 25,000 eack accident.
Total Premium $1221.00
Statement from Grange Insurance 11/17/08
Part I Limits of Liability
A - Dwelling $173,900
B - Additional Structures $17,390
C - Personal Property $121,730
D - Loss of use loss deductible $500
Part II
E - Bodily Injury and Property Damage Liability $500,000 Each Occurrence
F - Medical Payments to Others $5,000 Each Person 25,000 eack accident.
Total Premium $682.00
New price quote from AAA
Part I Deductible: 1000 ALL PERILS
Part I Limits of Liability
A - Dwelling $194,000
B - Additional Structures $19,400
C - Personal Property $97,000
D - Additional Expenses $38,800
Part II
E - Bodily Injury and Property Damage Liability $100,000 Each Occurrence
F - Medical Payments to Others $1,000 Each Person
Forms and Endorsements made part of this policy
PREMIUM
H-3 Homeowners Insurance Policy - Dwelling Form $453.00
Total Premium $453.00