ALTHEA
Schneider Insurance · Richard
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Address
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Property
3
Coverage
4
Quote
Set coverage
Cov A defaults to the rebuild cost we've estimated. B/C/D scale as a percentage of A. You'll choose a deductible on the next step.
Coverage A — Dwelling
Selected
$700,000①
$25K above rebuild estimate
We recommend matching your client's underlying HO3 Cov A. Never go below the rebuild estimate — under-insuring on wind can leave a meaningful gap if the home is a total loss.
Other coverages — scaled from Cov A②
B — Other Structures 10% $67,500
C — Personal Property 50% $337,500
D — Additional Living Expenses 20% $135,000
E — Personal Liability $500,000
F — Medical Payments $5,000
Effective date③
When the policy starts. Defaults to 30 days out — adjust to align with the underlying HO3 inception or your client's preference.
June 5, 2026
Indicative premium
$1,520/yr
All-in · $127/mo · before deductible choice
We'll firm this up — and show you deductible options — once you generate the bindable quote.
Selected coverage
Cov A — Dwelling$675,000
Cov B — Other Structures$67,500
Cov C — Personal Property$337,500
Cov D — Additional Living Exp.$135,000
Effective date06/05/2026
FORTIFIED™ discount−$640/yr