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Home My WebLink AboutRobert Bratton HM4544589 Grange Home Dec PageAssociated Insurance Services 8500 E 116th St 8500 E 116th St Box 6146 Fishers IN 46038 Robert Bratton Sarah P Bratton 11535 Ralston Ave Carmel IN 46032 Thanks for doing business with Grange! Enclosed is the most recent version of your Homeowners Declarations Page, which shows your most recent policy information. Please review your policy information for accuracy. If you have any questions about your policy, dont hesitate to talk to your agent. Theyre always available. You can contact your agent Associated Insurance Services at (317) 520-9300. March 29, 2022 Policy Number: HM 4544589 PIN: 2549 Page 1 of 1 Premium Summary: The additional premium from this policy change is:$9.00 Revised Full Term Premium $1,899.00 Associated Insurance Services 8500 E 116th St 8500 E 116th St Box 6146 Fishers, IN 46038 (317) 520-9300FAX: (317) 522-1650 kim@aiscoverage.com www.aiscoverage.com Policy Number:HM 4544589-02 Policy Type:Homeowners Reason Issued:Amendment Effective Date:03/29/2022 Print Date:03/29/2022 DEC0002 (01-2017)Page 1 of 4 Named Insured and Address Robert Bratton & Sarah P Bratton 11535 Ralston Ave Carmel, IN 46032 Homeowners Declarations Page This is not a bill. Issued by:Grange Property & Casualty Insurance Company, 671 South High Street, Columbus, OH 43206-1066 Policy Effective Dates: 09/24/2021 to 09/24/2022 12:01 a.m. ET at the address of the named insured as shown, and for additional 12 month periods if renewed, as provided in the policy. These declarations with policy provisions, applications, forms, and endorsements, if any, complete the above numbered policy. Total Policy Premium Summary Premium 11535 Ralston Ave, Carmel, IN 46032 Basic Policy Premium Additional Coverages (See Description of Additional Coverages Section for Details) $1,061.00 $109.00 Personal Umbrella $351.00 Inland Marine $378.00 The total premium shown does not include any applicable billing fees.Total Policy Premium $1,899.00 Did You Know... •We don t just provide protection and peace of mind;we aim to simplify your life by making our products easy to understand and our claims service easy to use. •Grange makes it easy to pay your bills and manage your account online. Sign up for a My Grange Account to manage your policy today. •Grange is there for you - whenever and however you need us. You can ask questions or report claims online or by phone, any time, 24 hours a day. Got Questions?We’ve got answers. Policy Information: If you have any questions about your coverages or other ways to save with Grange, be sure to contact your agent, Associated Insurance Services at (317) 520-9300. Claims Assistance: To report or check on a claim, call (800) 445-3030 or visit grangeinsurance.com. Billing Questions: To inquire about your bill or pay it, call (800) 425-1100 or visit grangeinsurance.com. Dwelling Coverages Coverage is provided where a specific limit of liability is shown. Residence Location 11535 Ralston Ave Carmel, IN 46032 Policy Number:HM 4544589-02 Policy Type:Homeowners DEC0002 (01-2017)Page 2 of 4 HO3 (04-2016)Coverages Deductible Limits of Liability Section I - Property Protection Coverage A - Dwelling $414,100 Coverage B - Other Structures $41,410 Coverage C - Personal Property $289,870 Coverage D - Loss of Use $82,820 Section I - Loss Deductible $1,000, Unless Otherwise Stated Section II - Personal Liability Protection Coverage E - Personal Liability $500,000 Each Occurrence Coverage F - Medical Payments to Others $5,000 Each Person / $25,000 Each Occurrence Home Base Theft of Jewelry, Watches, or Furs $500 Money $200 Theft of Silverware $500 Data Coverage $250 Theft of Guns $500 Refrigerated Goods $250 w/$100 Ded Securities $500 Lock Replacement $250 w/$50 Ded Loss Assessment $500 Business Property - Off Premises $250 Credit Card Forgery $500 Business Property - On Premises $3,000 Landlord Furnishings $500 Trailers, Non-Watercraft $3,000 Grave Markers $500 Watercraft $3,000 Fire Department Service Charge $500 Loss of Use 12 Months Electronic/Accessories in Motor Vehicle Up to $500 Ordinance or Law 10% of Cov A Reward (Theft/Arson)Up to $5,000 Trees, Plants and Shrubs 5% Cov A/$500 per Plant Description of Additional Coverages (Policy deductible applies unless otherwise noted) Coverages Premium Inflation Protection Applies to this Residence at Renewal Included HM511 (04-2015)Personal Property Replacement Cost $39.00 HM542 (04-2015)Fungi, Wet or Dry Rot or Bacteria Section I - Property Protection Limit is: $10,000 Section II - Personal Liability Protection Limit is: Coverage E - Limit of Liability, $25,000 each occurrence, Coverage F - Limit of Liability, $1,000 each person, $25,000 each occurrence $19.00 HM739 (06-2018)Underground Service Line Amount of Coverage $10,000, Deductible is $500 $34.00 HM703 (07-2016)Home Base Included Actual Cash Value for Roof Surfacing Included MU01 (01-2019)Mutual Conditions No Charge NM01 (01-2019)Company Name Change Grange No Charge PX004 IN (04-2015)State Exceptions Included Discounts For a description of these discounts,please reference the Discounts applied to your policy section. Prompt Payer, Paid in Full, Wind/Hail Loss Free, Multi-Policy, Claim Free, and Advance Quote Rating Information Residence Type: Primary Residence County: HAMILTON Year of Construction: 1968 Age of Insured: 82 Rated Protection Class: 2 Roof Year: 2005 Marital Status: Married Flood Zone: High Flood Zone Construction Type: Masonry Veneer Policy Number:HM 4544589-02 Policy Type:Homeowners DEC0002 (01-2017)Page 3 of 4 Personal Umbrella HM529 (04-2015) Personal Umbrella Limit of Liability $2,000,000 Uninsured Limit of Liability $2,000,000 Underinsured Limit of Liability $2,000,000 Self insured retention $250 per loss Underlying Insurance Policies PA3 4544595 Exposures Underlying Limit Number of Exposures Premium Personal Liability $500,000 $71.00 Autos $250,000/$500,000/$100,000 1 $44.00 Uninsured Motorists $250,000/$500,000 1 $33.00 Underinsured Motorists $250,000/$500,000 1 $33.00 Additional Premium Charges $170.00 Personal Umbrella Premium $351.00 Minimum Required Underlying Insurance Limits As set forth in the OTHER CONDITIONS section of your personal umbrella endorsement,the insured agrees to maintain the required underlying insurance during the entire period of this endorsement.If the required underlying insurance is not maintained,the insured will be responsible for the required minimum underlying limit amount and defense costs applicable to any loss.If any insured’s required underlying insurance is used up,reduced or cancelled,such insured must try to replace the coverage and notify us immediately. Personal Liability $300,000 Auto Liability $250,000/$500,000/$100,000 Uninsured / Underinsured Motorist Liability $250,000/$500,000 Watercraft Liability under 260hp $300,000 Watercraft Liability over 260hp $500,000 Jet skis or Wave Runners $500,000 Amphibious Vehicles / Hovercrafts $500,000 Motorized Land Vehicle Liability $250,000/$500,000/$100,000 Residential Rental Property Liability $300,000 Home Based Business $500,000 Inland Marine Coverages Class/Scheduled Item Limit per Item Class Limit Premium Jewelry 14kyg Triple Band 3 Marquis Diamonds $1,000 14kwg Diamond Ring. Center Round Diamond And 10 Small Side Diamonds Tdw1.4 $1,650 14kyg Marquis Shaped Earrings. 5 Stones Each Earring W Approx 1ct. Heavy 14kyg Clasps $1,800 14 K 18 Inch With Oval Sapphire Pendant With Diamond Baguette Surround $1,000 Ladies Necklace With Pendant. Diamond,1.28 Carats, American Brilliant Cut 6.8mm, E Color Vvs2clarity, $17,500 14kg Drop Emeralds,6mmx4mm Pear Shaped 14.01 Pt Diamonds Total Weight1/4ct Emeralds 1ct $1,000 14 K Large Shrimp Ring With Diagonal Row Of 17 Small Diamonds. 1.4 Ct $1,450 14 K Ring With Oval Amethyst. Surrounded By 14 Small Diamonds $1,200 Policy Number:HM 4544589-02 Policy Type:Homeowners DEC0002 (01-2017)Page 4 of 4 Inland Marine Coverages (Continued) Class/Scheduled Item Limit per Item Class Limit Premium Jewelry (Continued) 14k White Gold And Sterling Silver Dangle Earrings With 3ct Quartz Stones In Each. Yellow Gold Diamond Shaped Settings With 1 Point Diamond, $65 14k Yellow Gold Drop Emeralds 1ct Total, Pear Shaped, Surrounded By 14 0.01ct Diamonds $1,000 14k Yellow Gold With Graduated Round Diamonds Vertically Set, 5 Stones Each. 1ct Total Diamond Weight $1,800 14k Yellow Gold Dangle Swirls With 6 Diamonds Each, Held With Diamond Studs 0.5ct Each $3,000 $32,465 $378.00 Inland Marine Premium $378.00 Discounts Multi-Policy Inland Marine Forms Form #Edition Date Description IM100 (04-2012)Inland Marine Policy Terms IM175 (04-2015)Personal Articles Coverage Congratulations!You’re saving money. Discounts applied to your policy: Grange makes it easy to reduce your premium and save money. We’ve applied the following discounts to your policy: •Prompt Payer: Simply pay your bill on time and receive a valuable discount. •Paid In Full: Eliminate installment fees and avoid the hassle of monthly bills and postage costs when you pay your annual premium in full. •Claim-Free: Earn valuable savings by staying claim-free for up to five years. •Advance Quote: Automatically applied when the policy is submitted in advance of the new business policy effective date by a specific number of days. More ways to save. One way Grange delivers exceptional value is by finding new ways to lower your premium. You might be eligible for even greater savings! Talk to your agent today to learn more. •Newer Roof: Enjoy automatic savings if you have a newer roof. •Easy Pay (EFT): Save time and money when you pay by automatic deduction from your checking or savings account each month. •Smart Fire Alarm: Save automatically if your fire alarm notifies the fire department. •Smart Home Alarm: Save automatically if your burglar alarm notifies the authorities. Policy Number:HM 4544589-02 Policy Type:Homeowners Page 1 of 1 Grange Property & Casualty Insurance Company 671 South High Street Columbus, OH 43206-1066 Policy Number: HM 4544589 grangeinsurance.com Page 1 of 1 Dear Policyholder; Please be aware that effective this renewal, the Replacement Cost of Roof Surfacing (HM 738) endorsement has been removed from your policy. This optional coverage is only available if your dwelling’s roof surface is 15 years or newer. Our records indicate that your dwelling’s roof is greater than 15 years in age and is no longer eligible for the endorsement providing for full replacement cost settlement. As a result, any wind or hail claims that occur will now be settled on an actual cash basis, which means any loss will now be settled based on the current value of your roof surfacing, not on the cost of replacing it with new materials. If you have replaced your roof surfacing in the last 15 years, or have any questions regarding your coverages, please contact Associated Insurance Services at (317) 520-9300 for assistance. It is important that you read your policy carefully, and review your Declarations page for a thorough understanding of the coverage provided. If there is any conflict between the policy and this letter, the policy provisions will apply. Policy Number: HM 4544589 Grange Property & Casualty Ins. Co. 671 South High Street Columbus, OH 43206-1066 Page 1 of 1