$AgencyName$

$AgencyPhonePrefix$$AgencyPhone1$
$AgencyPhone2$
$Agencyfax$

$AgencyAddress$
$AgencyCity$, $AgencyState$ $AgencyZip$
$AgencyWebsite$

 

$today$

$FullName$ $FullAddress$ $CityStateZip$

$salutation$

We are pleased to offer you the following quote for insurance on your rental dwelling located at $dp3address$.  We have quoted a policy through $CompanyName$ who offers this coverage at an annual premium of $dp3premium$.

$CompanyShortName$ provides the strength and stability you are looking for in an insurance provider.

You will notice that the quote printout has all premiums broken down by coverage.  If you have any questions about these coverages, or about anything else, please don't hesitate to call.

Thank you for reviewing our dwelling fire proposal, and please call us at $AgencyPhone1$ to start the policy.

Sincerely,

 

$Producer$
$ProducerEmail$

 

 

  YOUR RENTAL DWELLING COVERAGE EXPLAINED

Following are the limits and coverage for your rental dwelling:

Address............................................... $dp3address$

Dwelling Value................................... $dp3value$

Other unattached structures................ $dp3os$

Personal Property .............................. $dp3pp$

Deductible on Property Coverage....... $dp3ded$

Loss of Rent......................................... $dp3rent$

Liability for rented dwelling................ $dp3liab$

Medical Payments-rented dwelling..... $dp3mp$

The annual premium for the above coverage is  $dp3premium$.


A Rental Dwelling Policy is a package type of policy, which means that it includes protection against several types of losses.

Our policy includes coverage for the following items. These are our own definitions. The actual policy itself should be read for exact coverage, definition, and exclusions.

THE RENTAL DWELLING

Your rental dwelling is covered up to a value of $dp3value$. It has been quoted on a replacement cost basis. This means that losses to your dwelling are insured for replacement value with no deduction for depreciation.

As an example, if you had a fire in a bedroom, and the fire did $4,600 worth
of damage to your dwelling, the insurance company would pay the $4,600 bill to fix your bedroom less your $dp3ded$ deductible. They would not deduct anything for depreciation.

THE UNATTACHED STRUCTURES

Our policy also gives you additional coverage for structures not attached to your dwelling, such as garages, sheds, workshops, patios, etc. These structures are covered for values up to $dp3os$.

THE PERSONAL PROPERTY

Your personal business contents of the rental dwelling may also be covered. The contents have been quoted at an actual cash value of $dp3pp$.

 

 

 

 

 

THE PERILS YOU ARE INSURED FOR

Your dwelling and other structures have been quoted under a “special” form of property coverage. This is the best coverage available from most insurance companies. It includes all perils shown below plus any other peril not excluded in the policy. 

Your personal business property has been quoted with a broad form coverage. The policy covers your property against loss caused by the following:

Fire or Lightning, Windstorm or Hail, Explosion
Riot or Civil Commotion,  Aircraft, Vehicles, Smoke
Sinkhole Collapse, Vandalism,  Theft and attempted theft
Falling Objects, Breakage of Glass, Volcanic Eruption
Weight of Ice, Snow or Sleet
Sudden and accidental cracking, burning, or bulging of heating or air conditioning systems.
Freezing of plumbing, heating, air conditioning systems.

Your policy will have a $dp3ded$ deductible for each loss you may have on the property coverage.

THE LOSS OF RENT

In the event you could not collect rent from your dwelling after an insured peril occurs, we offer payment for fair rental value while you are waiting for repair work to be completed. The maximum limit of this coverage is $dp3rent$.

PERSONAL LIABILITY

Our rental dwelling quote includes personal liability to cover claims for bodily injury or property damage for which you are legally responsible at the dwelling location. You would be covered up to $dp3liab$ for each accident that happens during the year.

This part of the policy also provides defense at the insurance company's expense for lawsuits brought against you, even if that suit is groundless, false, or fraudulent.

If we insure your primary home, this quote may include the additional liability premium that we will add to your present homeowners policy.

THE MEDICAL PAYMENTS COVERAGE

Another coverage included is for medical payments to a non-policy holder. Medical payments can be made to others up to a $dp3mp$ limit per person. This will often prevent going to court to see whose "fault" it was. The amount paid to others will cover many minor accidents, regardless of who was responsible.

TOTAL POLICY ANNUAL PREMIUM:  $dp3premium$

 

 

 

 

 

$FullName$ $FullAddress$ $CityStateZip$

Quoted on   $today$  by $Producer$

Quoted Dwelling Fire Policy with $CompanyName$

Following are the limits and coverage for your rental dwelling.

Address of dwelling............................ $dp3address$

Dwelling Value................................... $dp3value$

Other unattached structures................ $dp3os$

Personal Property .............................. $dp3pp$

Deductible on Property Coverage....... $dp3ded$

Loss of Rent......................................... $dp3rent$

Liability for rented dwelling................ $dp3liab$

Medical Payments-rented dwelling..... $dp3mp$

The annual premium for the above coverage is  $dp3premium$.

 

$FullName$ $FullAddress$ $CityStateZip$

$FullName$ $FullAddress$ $CityStateZip$

$FullName$ $FullAddress$ $CityStateZip$

$FullName$ $FullAddress$ $CityStateZip$