Minimum Coverage Recommendations
Everyone is different, and has different needs, so a need based conversation with an agent is required to properly recommend adequate coverage levels for each individual. However below are some basic minimum coverage levels we recommend.
Auto Insurance
Bodily Injury: 100/300
Property Damage: 100
Uninsured Motorist: 100/300
Uninsured Motorist Property Damage: 100
Personal Injury Protection: Select Maximum Offered
Comprehensive: Select with 0-250 deductible
Collision: select with 0-500 deductible
Rental Reimbursement/Transportation Expense: Select Maximum Offered
Homeowners Insurance
Liability Limit: 500,000
Dwelling Coverage: Full replacement cost
Personal Property: 80% of Dwelling
Other Structures: 10% of Dwelling
Additional Living Expense/Loss of use: 30% of Dwelling
Water Back Up: 25,000
The minimum coverages recommended above should not be perceived to be the only coverages recommended. They only mean to illustrate the minimum coverage on certain common coverage types. For a full professional recommendation, a licensed agent will need to analyze the risk exposure of a customer and the asset needed to be insured. These recommendations by themselves should not be perceived to be a full and complete recommendation of coverage.
