HomeMy WebLinkAboutInsurance Policy 011924Renewal House & Home Policy Declarations
Your policy effective date is December 30, 2023
Total Premium for the Policy Period
Premium for property insured
WAllstate.
Page 1 of 4
Information as of November 13, 2023
$7,842.71 Summary
If you pay in installments* $7,842.71
.................................................................................................................................................
If you pay in full $6,789.95
Your bill will be mailed separately. Before making a payment, please refer to your
latest bill, which includes payment options and installment fee information. If you do
not pay in full, you will be charged an installment fee(s).
Discounts (included in your total premium)
Protective Device $710.84 Multiple Policy $1,768.40
Claim Free $1,060.18 Loyalty $843.97
Responsible Payment $1,291.32
Total discount savings $5,674.71
Insured property details*
Please review and verify the information regarding your insured property. Please
refer to the Important Notice (X73182-1) for additional coverage information.
Contact us if you have any changes.
Location of property insured: 133 Courts Ln, Little Rock, AR 72223-9018
Location zone: AR2223
Your location zone is based on the location of the insured property and is one of many
factors used in determining your rate.
Dwelling Style:
Built in 2008;1 family; 5352 sq. ft.;1.5 stories
Attached structures:
One 2-car attached garage
Interior details:
One semi -custom kitchen
Three builders grade full baths
One builders grade half bath
Exterior wall type:
100% brick on frame
Interior wall partition:
100% drywall
Heating and cooling:
One 1-car built-in garage
One single fireplace
One hardwood straight stairs
(continued)
Named Insured(s)
Fred H Hamouda, Marwa A Sadawi
Mailing address
133 Courts Ln
Little Rock AR 72223-9018
Policy number
810 255 286
Your policy provided by
Allstate Vehicle and Property
Insurance Company
Policy period
Beginning December 30, 2023 through
December 30, 2024 at 12:01 a.m.
standard time
Your Allstate agency is
Matt Black Agency
201 Commerce Dr
Maumelle AR 72113-6708
(501) 851-1038
MATTBLACK1@allstate.com
Some or all of the information on your
Policy Declarations is used in the rating
of your policy or it could affect your
eligibility for certain coverages. Please
notify us immediately if you believe
that any information on your Policy
Declarations is incorrect. We will make
corrections once you have notified us,
and any resulting rate adjustments, will
be made only for the current policy
period or for future policy periods.
Please also notify us immediately if you
believe any coverages are not listed or
are inaccurately listed.
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Renewal House & Home Policy Declarations
Policy number: 1810255 286
Policy effective date: December 30, 2023
Insured property details* (continued)
Average cost heat & central air
conditioning,100%
Additional details:
One atrium window
Standard wood sash with glass,100%
Fire protection details:
Fire department subscription - no
Roof surface material type:
Composition
• 100% architectural shingles
Two exterior wood doors
2 miles to fire department
.................................................................................................................................................. -.
:Roof details:
:Predominant roof type: Composition Age of roof -12 years
:Roof geometry - Gable
....................................................................................................................................................?
Mortgagee - None
Additional Interested Party - None
*This is a partial list of property details. If the interior of your property includes custom
construction, finishes, buildup, specialties or systems, please contact your Allstate
representative for a complete description of additional property details.
Coverage detail for the property insured
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Coverage
Limits of Liability
Applicable Deductible(s)
Dwelling Protection
$925,043
• $5,000 Windstorm and Hail
• $5,000 All other perils
Other Structures Protection
$46,253
• $5,000 Windstorm and Hail
• $5,000 All other perils
Personal Property Protection
$370,018
• $5,000 Windstorm and Hail
• $5,000 All other perils
Additional Living Expense
Up to 24 months not to exceed $185,009
Family Liability Protection
$300,000 each occurrence
Guest Medical Protection
$5,000 each person
Building Codes
Not purchased*
Excess Dwelling
Roof Surfaces Extended Coverage
Water Back -Up
Not purchased*
Included
$5,000
• $500 Water Back -Up
Renewal House & Home Policy Declarations
Policy number: 1810255 286
Policy effective date: December 30, 2023
► Other Coverages Not Purchased:
• Additional Fire Department
Charges*
• Building Materials Theft*
• Dwelling in the Course of
Construction*
• Electronic Data Recovery*
• Extended Coverage on Cameras*
• Extended Coverage on Jewelry,
Watches and Furs*
Page 3 of 4 WAllstate.
• Extended Coverage on Musical
Instruments*
• Extended Coverage on Sports
Equipment*
• Extended Premises*
• Fair Rental Income*
• Golf Cart*
• Green Improvement*
• Home Day Care*
* This coverage can provide you with valuable protection. To help you stay current with
your insurance needs, contact your agent to discuss available coverage options and
other products and services that can help protect you.
Scheduled Personal Property Coverage
■ Identity Theft Expenses*
■ Increased Coverage on Business
Property*
• Increased Coverage on Theft of
Silverware*
• Loss Assessments*
• Secondary Residence*
• Select Value*
• Yard and Garden*
Your policy does not include Scheduled Personal Property Coverage. This coverage can provide you with valuable protection. To
help you stay current with your insurance needs, contact your agent to discuss available coverage options and other products and
services that can help protect you.
Your policy documents
Your House & Home policy consists of the Policy Declarations, any Policy Declarations Addendum, and the following
documents. Please keep them together.
• House & Home Policy - AVP81
• Amendatory Endorsement - AP4922
• Arkansas Amendatory Endorsement - AVP159-2
• Windstorm and Hail Deductible Endorsement - AVP82
• Water Back -Up Endorsement - AVP164-1
• Roof Surfaces Extended Coverage Endorsement - AVP42
• Enhanced Package Endorsement - AVP482
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Renewal House & Home Policy Declarations Page 4 of 4
Policy number: 1810255 286
Policy effective date: December 30, 2023
Important payment and other information
Here is some additional, helpful information related to your coverage and paying your bill:
► You purchased our Enhanced Package as part of your policy, which provides you with the following benefits:
■ Claim RateGuard®
This feature will help you keep your discounts and avoid a premium increase in the unfortunate event that you have a
claim. If you file a claim to which we apply the Claim RateGuard° feature, you will not lose the Claim Free Discount, if
you already have that discount on your policy.
■ Claim -Free Bonus
For every designated twelve-month period that your policy is claim -free, you will earn a Claim -Free Bonus credit of up to
5% of your current policy's premium, which you can apply toward your next renewal premium. If your policy does not
renew, we will apply the credit amount to any outstanding premium balance and any remainder refunded to you.
■ Deductible Reward
For every designated twelve-month period that your policy is claim -free, you will earn a Deductible Reduction Amount of
$100, which can be used to reduce the amount of your deductible (up to a $500 maximum). We will reduce the
Deductible Reduction Amount if it is used to reduce your deductible for one or more covered losses. If the Enhanced
Package is removed from your policy, any accumulated Deductible Reduction Amount will no longer be available for
losses occurring on or after the date the Enhanced Package was removed from your policy.
Deductible Reward - Deductible Reduction Amount available is $0.00.
► Please note: This is not a request for payment. Your bill will be mailed separately.
Allstate Vehicle and Property Insurance Company's Secretary and President have signed this policy with legal authority at
Northbrook, Illinois.
1 - %
William Hill
President
Susan L. Lees
Secretary