Kreuzer Quote Comparison

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Home Insurance Option 1: $680
Dwelling: $200,000
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Guaranteed Replacement Cost
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Personal Property: $140,000
.
Replacement Cost on Personal Property
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Replacement Cost on Roof
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Loss of Use: Actual Loss Sustained
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Medical Payments: $5,000
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Liability: $500,000
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Service Line: $10,000
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Water and Sewer Backup: $10,000
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Mold: $10,000
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Deductible: $1,000
vs.
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Farm Bureau Policy
Replacement Cost: They say "Guaranteed Replacement Cost", but it is not truly guaranteed. They will only pay out an additional 25% to replace your home to a like nature of before a loss. When widespread devastation or inflation hit- the cost to build can skyrocket. You want to know that you can rebuild your home to a like nature of before the loss.
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Roof Replacement: They only pay out Actual Cash Value on Your Roof. This means when a hail storm comes, they will pay the ACV of the roof, rather than cutting you a check that pays for the replacement. Roofs are expensive and they depreciate like cars - fast!
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Their home policy is Named Peril - meaning only perils named in their contract are covered: Think windstorm, theft, fire, explosion, vandalism. Our policy is comprehensive, meaning all perils are covered, unless specifically excluded in the contract: Think Flood (Flood requires it's own policy) and Earthquake (This is an additional endorsement on any policy).
★★★★★
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