Actual Cash Value

  In many states, this means that in the event of a covered loss, you'll be paid the current replacement cost of whatever you lost, minus depreciation. (This generally includes the estimated wear and tear on the item damaged or the loss in value of that item because of aging and use). The total amount you'd be paid would be subject to the terms of your particular policy, including applicable deductible and coverage limits.


































Additional Coverages

   You Can Personalize Your Policy with Optional Coverages Such as:
      Increased coverage on business property
      Increased coverage on electronic data processing equipment (such as a computer) 
      Extended coverage on jewelry, watches and furs
      Increased coverage on theft of silverware
      Incidental office, private school or studio coverage
      Lock replacement coverage 
      Money
      Increased coverage on money
      Increased coverage on securities
      Business pursuits coverage
      Portable cellular communication systems (cellular phones & cellular fax machines)
      Satellite dish antennas coverage
      Fire Department charges
      Engagement presents coverage
      Securities
      Sports Equipment
      Water bed Liability
















Additional Living Expenses Coverage
   We'll pay the reasonable increase in living expenses necessary to maintain your normal standard of living when a direct physical loss we cover makes your residence premises uninhabitable for up to the amount of time specified in the policy. This may include payments for the additional costs of a place to stay, food and other increased living expenses.
 































   Allstate Insurance Company Rating

   Rating Company                            Allstate Insurance              Allstate Life Insurance

    A.M. Best                                            A+ (Superior)                           A+ (Superior)
    Standard & Poor's                            AA (Very Strong)                     AA+ (Excellent)
    Moody's Investors Service              Aa2 (Excellent)                       Aa2 (Excellent)








































Deductible 

  The portion of a covered loss that you agree to pay before the insurance company becomes responsible for payment under the policy. A larger deductible usually means a lower premium. For example, if the covered claim is $1,000 and your deductible is $250, you pay $250 and your insurance company will pay $750.



























   Discounts

    Home and Auto Discount
    Protective Device Discount
    55 or Older and Retired Discount







































Guest Medical Coverage

  Provides protection for your guests, who are accidentally injured on your property as a result of a covered loss. This protection pays for the reasonable and necessary medical expenses they incur, regardless of who was at fault.























 














   Home and Auto Discount

   Save up 8% when you insure both your personal property and autos with us.








































Increased Coverages

  Every property insurance policy has internal limitations on the amount of coverage for certain
  items of personal property.
  Please talk with me if you are concerned with coverages on these classes of personal property.
      1.  Money, bullion, bank notes, coins and other numismatic property.
      2.  Property used or intended for use in a business while the property is away from the
           residence premises. This does not include electronic data processing equipment or the
           recording or storage media used with that equipment.
      3. Property used or intended for use in a business, including property held as samples or for
          sale or delivery after sale, while the property is on the residence premises. This does not 
          include electronic data processing equipment or the recording or storage media used with
          that equipment.
      4. Trading cards, subject to a maximum amount of $250 per card.
      5. Accounts, bills, deeds, evidences of debt, letters of credit, notes other than bank notes,
          passports, securities, tickets, and stamps, including philatelic property.
      6. Manuscripts, including documents stored on electronic media.
      7. Watercraft, including their attached or unattached trailers, furnishings, equipment, parts
          and motors.
      8. Trailers not used with watercraft.
      9. Theft of jewelry,watches, precious and semi-precious stones, gold other than goldware,
           silver other than silverware, platinum and furs, including any item containing fur which
           represents its principal value.
   10.  Any motorized land vehicle parts, equipment or accessories not attached to or located
          in or upon any motorized land vehicle.
   11. Theft of firearms.
   12. Theft of silverware, pewterware and goldware.
   13. Electronic data processing equipment and the recording or storage media used with that
         equipment whether or not the equipment is used in a business. Recording or storage
         media  will be covered only up to: a) the retail value of the media, if pre-programmed; 
         b) the retail value of the media in blank or unexposed form, if blank or self-programmed.
   14. Theft of rugs, including, but not limited to any handwoven silk or wool rug, carpet, tapestry,
          wall-hanging or other similar article whose principal value is determined by its color,
          design, quality of wool or silk, quality of weaving, condition or age.









Family Liability Protection

  Provides protection for insured persons who become legally obligated to pay for covered accidental bodily injury or property damage to others. This protection does not cover auto liability claims. 

































Flood Insurance

  Did you know most home and business insurance policies don't cover flood losses? If your community is a participant in the National Flood Insurance Program (NFIP), you're eligible for federally sponsored Flood Insurance coverage for your home or business.

 Allstate Participates in the National Flood Insurance Program Allstate is an active participant in the NFIP. By selecting National Flood Insurance coverage through a reliable company like Allstate, you can have peace of mind knowing you'll receive a high level of customer service when you need it most.

  Excess Flood Insurance Coverage May Be Available In some states, if you purchase National Flood Insurance through Allstate and find you need more coverage than the maximum limit provided by the NFIP program, you may be eligible to purchase additional coverage through an Excess Flood Insurance* Policy from your Allstate agent. 

  Contact me to learn more about your eligibility for Flood Insurance protection.

    Everyone lives in a flood zone.
       In recent years, almost 25% of all flood insurance claims came from areas no one
      considered high risk.
    You can't rely on Federal Disaster Assistance alone.
          Many people don't qualify for grants, making the most common form of assistance a
          disaster  home loan. These loans, with an average repayment term of 18.5 years,
          must be repaid: principal plus interest.
    Flood insurance is affordable.
          The average annual premium for $100,000 of Flood Insurance coverage is about the 
          same as the average monthly payment for a typical $50,000  disaster home loan.
    Flood insurance pays your claim and there's no payback requirement.
          National Flood Insurance is the best way to recover from flood damage  because you
          don't have to qualify for disaster relief, if it's available, or go into debt. 





 



Liability Protection

  This typically provides coverage if you, as an insured person, are legally obligated to pay damages due to bodily injury of others or for damage to their property arising out of a covered loss. For example, you're playing catch with your friends, you throw the ball and it inadvertently crashes through your neighbors' window and breaks something. The property damage you accidentally caused may be covered here.

































Personal Property Protection 

  Provides protection against covered loss to movable property like a stereo, bicycle, furniture or clothing. Most Homeowners, Condominium, Mobile home or Renters Insurance Policies set aside special coverage limits for movable personal property, or categories of personal property, like jewelry, money and securities. You can increase the coverage limits for these and other possessions by selecting an Optional Coverage Endorsement to your Homeowners, Condominium, Mobile home or Renters Insurance Policy.

































Protective Device Discount

 Your home has smoke alarms, fire extinguishers, deadbolts on all exterior doors, There are additional discount for central burglar and fire alarms., sprinkler systems inside the residence, and 24- manned security.


































Replacement Cost Coverage on Contents

  In the event of a covered loss, you may be reimbursed for the cost you incur to replace many of your damaged contents with similar property, brand new. The total amount you'd be reimbursed is subject to the terms and conditions of your particular policy, including applicable deductible and coverage limits.































Scheduled Personal Property

 Scheduled Personal Property Coverage Scheduled Personal Property Scheduled Personal Property (SPP) is a convenient way to help protect your valuable personal property.   A certain amount of personal property protection is available under your  Renters Insurance Policy, but did you know your personal property protection has limits under these policies?

  Scheduled Personal Property is an endorsement to your  Renters Insurance Policy. For an additional premium, SPP provides coverage for loss or damage to certain categories of personal and business personal property items whose value or risk potential exceeds the personal property coverage available under Renters Insurance, or under other Optional Coverage Endorsements.

  The Advantage of SPP
     Did you know SPP helps protect your scheduled personal property almost anywhere in the world?* If the brilliant diamond band you received as an anniversary gift is lost or stolen while you’re traveling abroad, you can recover the actual cash value of your ring if it’s scheduled for SPP Coverage. Please note other restrictions may apply.*

    In fact, SPP Coverage is tailor-made to help protect many of your expensive jewelry items. Did you know your Allstate Homeowners, Condominium, Mobile Home or Renters Insurance Policy includes a $1,000 coverage limit for jewelry, watches and furs? It’s possible to increase coverage for these valuable items by selecting Optional Coverage “J” as an endorsement to the above policies up to an overall limit of $25,000. However, a per-item coverage limit of $2,000 to $5,000 still applies to each personal property item you insure with Optional Coverage “J.”

     If you own jewelry, watches, or furs whose individual value exceeds the per-item limit of Optional Coverage “J” described above, or whose overall value exceeds the total limit of $25,000 for Coverage “J,” you can schedule these valuable personal property items for SPP protection. A diamond ring appraised at $30,000, and insured for the same amount with Scheduled Personal Property Coverage, is protected against physical loss up to its actual cash value. Please note other restrictions may apply.*

     If you own something so rare and precious that there's only one of these items in the world, and if it can't be replaced, SPP may not accommodate that very rare type of personal property.

 More About SPP and What It Covers
     If you own personal property with exceptional value – an elaborate piece of jewelry or art – you’ll want to make sure you schedule it for SPP Coverage.* You can purchase coverage for your grandmother’s silver tea set, a special painting left to you in a will, a treasured stamp collection, your favorite set of matched golf clubs, or your prized piano or trumpet.*

     Here's a List Of Personal Property Items You May Want to Consider for Scheduled Personal Property Coverage
      • Jewelry: wedding rings, pendants, bracelets, watches, precious and semi-precious stones 
      • Firearms
      • Furs: real fur garments and garments trimmed with real fur
      • Cameras: digital, still, movie, video and equipment
      • Musical instruments: professional and non-professional
      • Silverware: includes silverware, silver-platedware, goldware, gold-platedware,  pewterware
      • Fine Arts: includes paintings, etchings, vases and sculptures
      • Manuscripts and books, antique silver, bronzes and antique furniture
      • Golfer's equipment: matched sets of golf clubs, clothing and equipment
      • Sports equipment including fishing gear, archery and hunting gear
      • Stamp or coin collections
      • Hand tools and power tools that you own for business purposes






















55 or Older and Retired Discount

 You're 55 or older, retired and it's your principle residence.