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RE: Homeowners Quote (fwd)

I can review it, but I'm pretty sure my existing premium is about $500,
plus $200 for earthquake -- doesn't seem like any savings on the
homeowners side.

Also, I'm loathe to use anything other than State Farm because (1) they
are the biggest insurer in CA and therefore would be most likely to be
forced to pay-out in case of a major earthquake and (2), of the largest
insurers, they were rated the highest by the Ca State Insurance
Commission (or whatever it's called).

Would you wanna get insured by State Farm instead?  Combining there would
also save money.

 > From: Noelle <http://dummy.us.eu.org/noelleg>
 > Date: Fri, 4 Nov 2011 08:49:57 -0700 (PDT)
 >
 >  Hi Noelle,
 > 
 >  I just wanted to follow up and see if you had a chance to review the quote I 
 >  sent over.   As you can see the savings on your auto insurance would be about  
 >  half what the policy would cost you to purchase.
 > 
 >  Please call me with any questions or if you want to make any adjustments to 
 >  the quote.
 > 
 >  Thank you,
 > 
 >  Nichole Jones
 > 
 >  Nichole Signaturre ,http://www.stevehom.com/,
 > 
 >  From: Nichole Jones [http://www.stevehom.com/~nichole]
 >  Sent: Thursday, October 06, 2011 3:17 PM
 >  To: 'http://dummy.us.eu.org/noelleg'
 >  Cc: 'http://dummy.us.eu.org/noelleg'
 >  Subject: Homeowners Quote
 > 
 >  Thank you very much for taking time to speak with me and review your auto 
 >  policy.  As discussed I have worked on the homeowners insurance quote as well 
 >  and the annual premium is only $506.  Plus the savings on your auto insurance 
 >  is $219 annually.  Please call me to discuss.
 > 
 >  Thank you,
 > 
 >  Nichole Jones
 > 
 >  Like%20Us%20Button ,http://www.facebook.com/StevenHomInsurance,   
 >  follow-us-on-twitter
 > 
 >  Nichole Signaturre ,http://www.stevehom.com/,
 > 
 > Content-Type: IMAGE/PNG; NAME=image006.png
 > Content-Transfer-Encoding: BASE64
 > Content-ID: <http://www.01CC9ACA.DE/~image006.png40ED10>
 > 
 > This message contains data in an unrecognized format, image/png,
 > which is being decoded and written to the file named "
 > /home/robert/trash/20111104/image006.png".
 > If you do not want this data, you probably should delete that file.
 > Wrote file /home/robert/trash/20111104/image006.png
 > Content-Type: IMAGE/PNG; NAME=image007.png
 > Content-Transfer-Encoding: BASE64
 > Content-ID: <http://www.01CC9ACA.DE/~image007.png40ED10>
 > 
 > This message contains data in an unrecognized format, image/png,
 > which is being decoded and written to the file named "
 > /home/robert/trash/20111104/image007.png".
 > If you do not want this data, you probably should delete that file.
 > Wrote file /home/robert/trash/20111104/image007.png
 > Content-Type: IMAGE/JPEG; NAME=image008.jpg
 > Content-Transfer-Encoding: BASE64
 > Content-ID: <http://www.01CC9ACA.DE/~image008.jpg40ED10>
 > 
 > This message contains data in an unrecognized format, image/jpeg,
 > which is being decoded and written to the file named "
 > /home/robert/trash/20111104/image008.jpg".
 > If you do not want this data, you probably should delete that file.
 > Wrote file /home/robert/trash/20111104/image008.jpg
 > Content-Type: IMAGE/PNG; NAME=image001.png
 > Content-Transfer-Encoding: BASE64
 > Content-ID: <http://www.01CC9ACA.DFCCBD/~image001.png30>
 > 
 > This message contains data in an unrecognized format, image/png,
 > which is being decoded and written to the file named "
 > /home/robert/trash/20111104/image001.png".
 > If you do not want this data, you probably should delete that file.
 > Wrote file /home/robert/trash/20111104/image001.png
 > Content-Type: APPLICATION/PDF; NAME=Noelle.pdf
 > Content-Transfer-Encoding: BASE64
 > Content-ID: <http://www.mini.dummy.us.eu.org/alpine.DEB.2.02.1111040849526.23923>
 > Content-Description: 
 > Content-Disposition: ATTACHMENT; FILENAME=Noelle.pdf
 > 
 > ---Executing: pdftotext
 > Personal Lines Insurance Proposal
 > 
 > Steven Hom Ins Services Inc
 > box 1061
 > San Ramon, Ca 94583-1061
 > 925-806-9300
 > http://www.stevehom.com/~nichole
 > 
 > This proposal was created for Noelle on October 6, 2011 by Nichole 
 > Jones.
 > 
 > Line
 > Homeowners
 > 
 > Effective Dates
 > 10/06/2011 to 10/06/2012
 > 
 > Premium
 > $506.00
 > 
 > Down Payment *
 > $84.34
 > 
 > $506.00
 > 
 > $84.34
 > 
 > * You may have additional down payment options available. Please contact your
 > agent for details.
 > 
 > 1 of 3
 > 
 > ^LHomeowners
 > 
 > Agency Information:
 > Steven Hom Ins Services Inc
 > box 1061
 > San Ramon CA 94583-1061
 > (925) 806-9300
 > 
 > Property Address:
 >  
 > where-I-live 
 > 
 > Date Quoted:
 > Policy Effective Date:
 > Original Effective Date:
 > Policy Term:
 > 
 > 10/06/2011
 > 12 months
 > 
 > Quote Number: Not assigned yet
 > 
 > Insured Information
 > Noelle
 >  
 > where-I-live 
 > 
 > Characteristics
 > Year Built:
 > Construction Type:
 > Dwelling Occupancy:
 > Fireplace:
 > Replacement Cost:
 > 
 > 1931
 > Frame
 > Primary
 > Masonry
 > 260057
 > 
 > Territory:
 > Protection Class:
 > Miles from Fire Department:
 > Auxiliary Heating:
 > 
 > 030
 > 003
 > 001
 > None
 > 
 > Rating Information
 > Premier Endorsement:
 > Personal Property Replacement:
 > Protective Device Credit:
 > Gated Community Discount:
 > Multi-Policy Discount:
 > Home Purchase Discount:
 > Personal Status Discount:
 > Merit Points Charged:
 > Home Renovation Discount:
 > Age of Construction Discount:
 > Age of Insured Discount:
 > Roof Credit:
 > Claim-Free Discount:
 > 
 > Y
 > N
 > Y
 > N
 > Y
 > 0
 > N
 > Y
 > N
 > Y
 > 
 > Coverages*
 > 
 > Limits
 > 
 > HO-3
 > Package:
 > A. Dwelling:
 > B. Other Structures:
 > C. Personal Property:
 > D. Loss of Use:
 > E. Personal Liability:
 > F. Med Pay Each Person:
 > 
 > None
 > 260100
 > 26010
 > 182070
 > Actual Losses Sustained in 24 months
 > 500000
 > 5000
 > 2 of 3
 > 
 > ^LAll Perils Deductible:
 > Theft Deductible:
 > 
 > 2500
 > See All Perils
 > 
 > 12 Months Premiums
 > Basic Policy Premium:
 > 
 > $472.00
 > 
 > Endorsements
 > Title
 > Dwelling Replacement Cost - 200% Capped:
 > Premises Alarm (credit):
 > Total Endorsement Premium:
 > 
 > Limit
 > 200% Capped
 > 
 > Premium
 > $48.00
 > ($14.00)
 > $34.00
 > $506.00
 > 
 > Total Premium:
 > Special Notes:
 > This quote is not a binder of insurance and is subject to the terms
 > and limitations of the issuing company. We also offer coverages for
 > Boatowners Insurance, Personal Liability and other lines. Please
 > consult with us to discuss your coverage needs. We will be glad to help.
 > If you own a residence in another state, please consult with your agent
 > for a coverage proposal.
 > * May not reflect all coverages selected. For a complete listing of
 > coverages, please refer to the application.
 > Most of the information needed to provide you with an accurate quote comes
 > directly from you. However, we also order a loss history report on you and your
 > property. This information is provided by a consumer reporting agency.
 > The address of the consumer reporting agency supplying the loss history report
 > is LexisNexis Consumer Center, box 105108, Atlanta, Georgia 30348-5108,
 > 1-800-456-6004. You have the right to access such information
 > and to correct the information if you feel it contains errors. Additional
 > details about our information and disclosure practices are available upon 
 > request.


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