Lewis Chester VS The Competition: Owner’s Insurance

 

COVERAGE
Lewis Chester DELUXE
Lewis Chester STANDARD 
Typical Condo Policy
Quality of Coverage “All Risks” “Named Perils” “Named Perils”
Personal Property – Contents $75,000 $75,000 $75,000
Loss of Use Unlimited Unlimited 20% of Contents
Personal Liability/Occurance $1,000,000 $1,000,000 $500,000
Medical Payments Per Person $10,000 $10,000 $5,000
Additions & Alterations $7,500 $7,500 $1,000
Loss Assessment $50,000 $50,000 $1,000
Replacement Cost on Contents Included Included Not Included
Occasional Employee -“Workers Comp” Included Included Included
Extended Theft Included Included Included
Rented or Borrowed Vehilce Liability Included Included No Coverage
Back-Up Sewers & Drains Unlimited – Up to Policy Limit $2,500 Not Included
Personal Injury
Included
Not Included
Not Included
Deductible “All Perils”
$500
$500
$500
SPECIAL LIMITS –
UNSCHEDULED ITEMS
     jewelry/furs combined
Jewelry
$5,000 $2,500 (Theft) $1,000
Furs
$5,000 $5,000 (Theft)  
Money
$1,000 $1,000 $200
Silverware
$5,000 $5,000 (Theft) $2,500 (Theft)
Guns
$5,000 $5,000
(Theft)
$2,500
(Theft)
Securities (accounts ,deeds, passports, tickets, letter of credit, etc)
$5,000 $5,000 $1,000
Mysterious disappearance of Unscheduled items (see above)
Included Not Included Not Included
       
Total Estimated Annual Premium
$351
$259
$344

 

NOTES:(1) Higher deductibles can be obtained for an additional credit.
(2) Personal Article Floater coverage is available for jewelry, furs, silverware, fine arts, etc.

 

This comparison is for illustration purposes only.