Home Guard Rates
HAY CREEK MUTUAL INSURANCE COMPANY
HOME-GUARD POLICY
Effective Date 1/1/2002
|
COVERAGE |
250 DEDUCTIBLE |
500 DEDUCTIBLE |
1000 DEDUCTIBLE |
|||
|
Class 1-8 |
Class 10 |
Class 1-8 |
Class 10 |
Class 1-8 |
Class 10 |
|
|
40,000 |
224.72 |
263.79 |
202.11 |
235.98 |
157.08 |
221.99 |
|
45,000 |
242.44 |
292.14 |
217.71 |
260.78 |
171.58 |
245.00 |
|
50,000 |
260.15 |
320.47 |
233.30 |
285.58 |
186.10 |
268.02 |
|
55,000 |
277.85 |
334.79 |
248.88 |
298.23 |
200.61 |
279.81 |
|
60,000 |
295.55 |
349.11 |
264.46 |
310.87 |
215.12 |
291.62 |
|
65,000 |
313.27 |
363.43 |
280.03 |
323.51 |
229.63 |
303.42 |
|
70,000 |
330.97 |
377.75 |
295.62 |
336.17 |
244.13 |
315.22 |
|
75,000 |
348.68 |
392.08 |
311.21 |
348.82 |
258.64 |
327.01 |
|
80,000 |
366.39 |
406.24 |
326.78 |
361.32 |
273.16 |
338.69 |
|
85,000 |
384.09 |
420.39 |
342.36 |
373.82 |
287.66 |
350.36 |
|
90,000 |
401.81 |
434.56 |
357.95 |
386.33 |
302.18 |
362.03 |
|
95,000 |
419.50 |
448.71 |
373.53 |
398.84 |
316.68 |
373.70 |
|
100,000 |
437.21 |
462.87 |
389.12 |
411.36 |
331.19 |
385.37 |
|
110,000 |
472.63 |
505.05 |
420.28 |
448.39 |
360.21 |
419.81 |
|
120,000 |
508.04 |
547.24 |
451.45 |
485.42 |
389.23 |
454.25 |
|
125,000 |
525.75 |
568.34 |
467.03 |
503.94 |
403.74 |
471.47 |
|
130,000 |
543.46 |
589.43 |
482.61 |
522.45 |
418.25 |
488.68 |
|
140,000 |
578.86 |
631.62 |
513.77 |
559.49 |
447.27 |
523.12 |
|
150,000 |
614.29 |
673.80 |
544.95 |
596.53 |
476.29 |
557.56 |
|
160,000 |
649.70 |
715.99 |
576.12 |
633.57 |
505.31 |
592.00 |
|
170,000 |
685.11 |
758.17 |
607.27 |
670.59 |
534.32 |
626.43 |
|
180,000 |
720.52 |
800.36 |
638.44 |
707.64 |
563.34 |
660.86 |
|
190,000 |
755.94 |
842.54 |
669.61 |
744.67 |
592.36 |
695.30 |
|
200,000 |
791.35 |
884.73 |
700.77 |
781.70 |
621.38 |
729.74 |
|
RC 90 |
.64 |
.64 |
.56 |
.56 |
.54 |
.54 |
|
RC 320 |
.36 |
.36 |
.32 |
.32 |
.31 |
.31 |
Rate per $1000 to reduce appurtenant structure and/or personal property coverage:
|
.710 |
.710 |
.625 |
.625 |
.585 |
.585 |
The Home-Guard Policy Includes:
- 10% of the dwelling amount to cover appurtenant structures (may be reduced for credit).
- 70% of the dwelling amount to cover personal property (may be reduced for credit).
- Replacement Cost Contents (RC 90) is included in the rates.
- 20% of the dwelling amount to cover additional living expense.
- $100,000 CPL with $1,000 Medical and $250 PDP is included in the rates at $35.00.
- Building Depreciation Endorsement (HCM 107) add $8.00.
- Dwelling Additional Coverage Endorsement (HCM 106) add $12.00.
- Contents Additional Coverage Endorsement (RC 320) add rate x HHGs
