NUNLEY-INTEGRA INSURANCE SERVICES HWY 183 STE 110B AUSTIN TX October 23, 2012

Transcription

1 EDTN EBARCD NUNLEY-INTEGRA INSURANCE SERVICES HWY 183 STE 110B AUSTIN TX October 23, 2012 RUSSELL RUTLEDGE RONDA RUTLEDGE 7111 OAK SHORES DR AUSTIN TX *Z * EBARCDVIS

2 EDTN EBARCD Dear RUSSELL RUTLEDGE, Thank you for allowing NUNLEY-INTEGRA INSURANCE SERVICES to continue to help serve your insurance needs. It s time to renew your Universal Security Policy from Encompass Insurance. Your Insurance Renewal Offer We re pleased to offer you an Encompass Universal Security Policy for another 12 months. By doing so, you can continue enjoying: Higher limits and broader replacement coverage than others along with money saving discounts A simpler insurance experience with our unique Universal Security Policy Exceptional, attentive claim service available 24/7, 365 days a year The peace of mind of knowing that you are protected by an experienced, financially stable provider This policy renewal offer contains your new Coverage Summary and other documents, such as your ID cards, related to your insurance policy. Please review these documents carefully to make sure you are comfortable with your coverage choices. Keep these documents with your other important papers. Billing/Payment Options We will send you your bill and an explanation of the flexible payment options prior to the renewal effective date shown on your Coverage Summary. When you receive your bill, consider enrolling in the Encompass Easy Pay Plan. It s an easy way to help protect you from a lapse in coverage. For more information and other payment options, visit Need to Contact Us? In the event you need to file a claim, our TimeSaver Claim Service is available 24/7, 365 days a year. Call toll free at and the Encompass claim representatives can help you file a claim and dispatch emergency assistance. If you have any questions about your policy or if you see something that needs updating, e.g., coverages, limits, deductibles, call us at We Appreciate Your Business Thank you again for choosing NUNLEY-INTEGRA INSURANCE SERVICES where you get more than great coverage and service. You get an experienced team delivering quality protection while also giving you the freedom to help manage your policy. Sincerely, NUNLEY-INTEGRA INSURANCE SERVICES G A Ed *Z * EBARCDVIS

3 SHEADFVL US B Texas Homeowners Policy Elite Policyholder: Agent: RUSSELL RUTLEDGE NUNLEY-INTEGRA INSURANCE SERVICES RONDA RUTLEDGE RESEARCH BLVD # OAK SHORES DR AUSTIN TX AUSTIN TX PHONE: Policy Number: Policy Period: Policyholder Since: 12/05/2012 to 12/05/ :01 AM Standard Time 12/2011 Insurance Provided By: Encompass Indemnity Company 24 HOUR CLAIM REPORTING (a Stock Company) 2775 Sanders Rd. Northbrook, IL HOME PROTECTION (Coverage applies only if a premium or limit is shown) AT THE LOCATION OF THE RESIDENCE PREMISES/DWELLING Residence 1 Description: 7111 OAK SHORES DR, AUSTIN, TX STRUCTURE TYPE CONSTRUCTION PPC TERRITORY DWELLING Frame Residence 1 shown on the declarations page is 1000 feet from a fire hydrant, and within 05 miles of the fire department. COVERAGES LIMITS PREMIUMS SECTION I PROPERTY PROPERTY LOCATION LIMIT $1,047,200 $3, Your location limit is 200 % of the dwelling replacement value of $523,600 The property location limit is the total amount of insurance on your dwelling, contents and other structures at this location. NO MORE THAN 10 % OF THE PROPERTY LOCATION LIMIT SHOWN ABOVE WILL BE AVAILABLE TO PAY FOR OTHER STRUCTURES. NO MORE THAN $52,360 WILL BE AVAILABLE TO PAY FOR PERSONAL PROPERTY OFF PREMISES. DEDUCTIBLES (SECTION I ONLY) DEDUCTIBLE CLAUSE 1 (Windstorm, Hurricane & Hail) $5,236 DEDUCTIBLE CLAUSE 2 (Property Deductible - All Other Perils, $5,236 except Windstorm, Hurricane & Hail) The Property Deductible listed above does not apply when the Windstorm, Hurricane & Hail Deductible applies. SECTION II - LIABILITY PERSONAL LIABILITY EACH OCCURRENCE $500,000 $Included MEDICAL PAYMENTS TO OTHERS EACH PERSON $10,000 $Included LOSS OF USE COVERAGE $209,440 INCREASED LIABILITY LIMITS $Included President Secretary Continued on Next Page Page 01 of 04

4 Texas Homeowners Policy Elite HOME PROTECTION (Coverage applies only if a premium or limit is shown) Residence 1 Description: 7111 OAK SHORES DR, AUSTIN, TX COVERAGES LIMITS PREMIUMS DEDUCTIBLE ADJUSTMENT PREMIUM $Included HOME OPTIONAL COVERAGES AND ENDORSEMENTS LIMITED FUNGI, OTHER MICROBES OR ROT $5,000 $Included REMEDIATION BUILDING LAW ORDINANCE COVERAGE $5,000 $Included BACK-UP OF SEWERS OR DRAINS $30,000 $Included (Your Total Limit is Shown) IDENTITY FRAUD EXPENSE COVERAGE Per Endorsement $Included Total Residence Premium $2, MORTGAGEE/OTHER INTERESTED PARTIES INFORMATION Residence 1 Loan Number Type of Interest WELLS FARGO BANK NA 708 ITS SUCCESSORS &/OR ASSIGNS P O BOX 5708 SPRINGFIELD OH Mortgagee DISCOUNTS AND CHARGES Residence 1 THE FOLLOWING DISCOUNT(S) AND/OR DEBIT ADJUSTMENT HAVE BEEN APPLIED TO YOUR HOMEOWNERS POLICY: Companion Policy Adjustment Amount (-) $577 Volunteer Fire Department Surcharge (+) $1.60 Dwelling Renovation Credit Adjustment $288 Amount (-) Home Claim Free Adjustment Amount (-) $292 TOTAL HOME(S) PREMIUMS AND CHARGES Your Total Premium For All Homes $2, GENERAL POLICY INFORMATION THE COVERAGES AND LIMITS SHOWN HERE ARE SUBJECT TO THE RESTRICTIONS, CONDITIONS AND EXCLUSIONS OF THE POLICY AND ITS ENDORSEMENTS. PLEASE READ THIS ENTIRE PACKAGE CAREFULLY AND CONTACT YOUR INDEPENDENT AGENT IF YOU HAVE ANY QUESTIONS. Continued on Next Page Page 02 of 04

5 SHEADFVL US B Texas Homeowners Policy Elite GENERAL POLICY INFORMATION YOUR POLICY IS SUBJECT TO THE FOLLOWING FORMS AND ENDORSEMENTS G A (05-04) ELITE HOMEOWNERS POLICY - TEXAS *G E (11-11) AMENDMENT OF ELITE HOMEOWNERS POLICY PROVISIONS - TEXAS *G A (06-11) IMPORTANT CHANGES TO YOUR DELUXE OR ELITE HOMEOWNER POLICY PLEASE READ THIS IMPORTANT INFORMATION CONCERNING YOUR POLICY G C (04-07) CONSUMER BILL OF RIGHTS FOR HOMEOWNERS, DWELLING, AND RENTERS INSURANCE *G C (02-09) ENCOMPASS INSURANCE PRIVACY POLICY FOR CUSTOMERS *G A (10-06) INFORMATION REGARDING THE HOME BUYER DISCOUNT *G A (08-09) IMPORTANT NOTICE ABOUT RENEWAL DOWN PAYMENTS *G A (02-10) IMPORTANT NOTICE - EXPLANATION OF YOUR PREMIUM CHANGES *G A (05-10) FEATURES AND BENEFITS *G A (07-10) IMPORTANT NOTICE *G F (11-07) IMPORTANT INFORMATION The forms marked with "*" reflect revised or new forms included with this coverage summary. SPECIAL INFORMATION Encompass Insurance... Continuing our commitment to give you the most comprehensive coverage at the best possible price. For any insurance need, or questions on your policy, contact your independent Encompass Insurance Agent, whose name and number are shown on the first page of this coverage summary. Page 03 of 04

6 SHEADFVL US B Texas Homeowners Policy Elite AGENT S USE ONLY Policy Level Renewal Number 1 Property Rating Tier Tier 2 Tier A Residence Level Res 1 Territory 427 Coverage Type Elite Miles to Fire Department 05 Feet to Hydrant 1000 Protection Class 04 Construction F Year Built 1985 Heating Upgrade 2001 Plumbing Upgrade 2011 Wiring Upgrade 2011 Roof Upgrade 2005 Residence Type Primary Occupancy Insured Square Feet SRM 3 Page 04 of 04