Home Insurance Minimum Recommended Coverage
At DePolo & Associates, Inc., we recommend the following limits as a minimum on your home insurance.
- Dwelling: 100% replacement cost based on our third-party replacement cost estimator.
- Personal Property: 65% of Dwelling Limit.
- Additional Living Expense: 20% of Dwelling Limit.
- Other Structures Coverage: 10% of Dwelling Limit.
- Family Liability: $500,000
- Guest Medical: $5,000
- Water Backup: $5,000
- Schedule Personal Property: Varies
- Building Codes: 5%
Allstate’s Enhanced Package: Deductible Rewards, Claim Rate Guard, Clam Free Bonus.
Additional Endorsements are available depending on the situation and needs.
The limits that you have selected may differ as outlined in your New Business Application. You may have also elected to forgo some of the recommended coverages.
**We also strongly recommend that all our customers carry a Personal Umbrella Policy and Mortgage Insurance.
***Homeowner’s insurance does not cover Flood. Floods can happen anywhere, and it is recommended that you speak with one of our agents about obtaining flood insurance.
Sincerely,
Jay DePolo
Agency Owner
Contact Us
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Phone
1(740) 392-7106
Address
502 Coshocton Avenue
Mount Vernon, OH 43050
Office Hours
Monday-Friday: 9am – 6pm
Saturday & Sunday: Closed