W.E.Davis Insurance Agency

:: HOMEOWNER INSURANCE

Compare the advantages of the W.E. Davis Executive policy through Cincinnati Insurance

Most people wouldn't think twice about paying more for a Lexus over a Chevy. However, most homeowner insurance shoppers think if the amount of building coverage and deductible are the same, the only other consideration is price. Like most other products, YOU GET WHAT YOU PAY FOR with homeowners insurance. Compare the following with your current homeowner policy:

	Cincinnati	Your Policy
"Risks of Loss" on contents*	YES	__________
Ordinance of law coverage**	YES	__________
Earthquake coverage included	YES	__________
Sump pump failure up to $5,000 (Higher limits available)	YES	__________
Personal injury coverage (Libel, Slander)	YES	__________
Mobile, Cellular phones covered	YES	__________
Business property in home covered up to $2,500	YES	__________
Personal computers covered up to contents limit	YES	__________
Contents limit is 75% of the building limit	YES	__________
Cash money up to $1,000	YES	__________
Claim adjuster specifically assigned to agency and you	YES	__________
W.E. Davis can settle claims under $2,500	YES	__________

Of course, like most other homeowner insurance policies, our program includes Replacement Cost Contents, and can add options like Guaranteed Home Replacement, Umbrella Liability, Scheduled Articles like jewelry and Home Business Coverage. In many cases, the Cincinnati price is the same or less than companies with less coverage. Regardless of price, you will be happy you chose the W.E. Davis Insurance Agency and Cincinnati Insurance at time of claim.

* - The above assumes a Cincinnati Executive policy with the HR700 extension endorsement added.

** - Risks of loss coverage means all risk coverage subject to policy conditions and exclusions. This type of broad coverage is common for building coverage, but very few companies offer this for your contents. With us, it's automatic!.

*** - Ordinance of Law coverage is very important for homes five years old or more. It pays for increased costs of construction caused by a building code. For example, a kitchen fire might cause $10,000 in damage, but a city inspector might force you to upgrade the entire electrical system. Most policies will not cover the cost of this electrical upgrade, but we will.