Frame 7 — Coverage

ALTHEA Harbor Insurance Agency · Richard ▾

✓

Address

✓

Property

Coverage

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

$700,000

$25K above rebuild estimate

Rebuild est. $675K

Selected $700K

$300K $1.2M

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 A

B — Other Structures 10% $67,500

C — Personal Property 50% $337,500

D — Loss of Use 20% $135,000

Optional endorsements

Code-upgrade cost — Ordinance & Law

Covers the extra cost to rebuild to current code. Priced against the home's code era.

+$58/yr

10% · $67,500 25% · $168,750 50% · $337,500

Interior water cap

Sublimit on wind-created-opening water claims — reduces the most-disputed claim type.

No charge

None 50% of Cov A 25% of Cov A

Emergency repairs Always included

Tarp, board-up, immediate mitigation after a named storm. No deductible. No prior approval under $1,000.

+$0 / +$22

$2,500 — included $5,000 — enhanced

Pool enclosure

Sublimit for detached screened pool enclosures. Skipped — no pool on this property.

N/A

Not applicable $10,000 $25,000

Effective date

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

Estimate updates live as you edit. Continue to quote →

Indicative premium

$1,578/yr

All-in · $132/mo · with selected endorsements

Pick a deductible on the next screen to firm this up.

Selected coverage

Cov A — Dwelling$700,000

Cov B — Other Structures$67,500

Cov C — Personal Property$337,500

Cov D — Loss of Use$135,000

Ordinance & Law$168,750

Interior water capNone

Emergency repairs$2,500

Effective date06/05/2026

FORTIFIED™ discount−$640/yr