Both policies are through Auto-Owners Insurance — an A+ rated company that's been around since 1916. By putting your home and all three trucks with the same company, you get multi-policy discounts on both sides.
| Your home is covered for | $212,300 |
| Your stuff is covered for | $148,610 |
| Liability protection | $300,000 |
| Deductible (what you pay first) | $1,500 |
| Liability per accident | $500,000 |
| Uninsured motorist | $500,000 |
| Medical payments per person | $5,000 |
| 1988 Chevy G30 Van | $565.20/yr |
| 2007 Chevy Silverado | $670.55/yr |
| 2019 Chevy Colorado | $1,169.51/yr |
Your trucks are used for the roofing business, so a commercial auto policy is the right fit. You also get a 10% multi-policy discount, a 10% tailored protection discount, and a 15% risk credit — discounts you wouldn't get on personal auto.
1465 Jefferson Ave, Idaho Falls, ID 83402 — Effective 04/12/2026
Main Coverage
This is what protects your home, your belongings, and your family.
| Home (rebuild cost) | $212,300 |
| Other structures (garage, shed, fence) | $21,230 |
| Personal property (your belongings) | $148,610 |
| Additional living expense If you can't live in your home during repairs | $42,460 |
| Personal liability | $300,000 |
| Medical payments to others | $5,000 |
| Deductible | $1,500 |
Extra Protection Included
These add-ons are already included in the price — no extra charge.
| Water backup (drains/sewers) Covers damage from water backing up through your drains | $25,000 |
| Equipment breakdown Covers your furnace, AC, water heater, appliances | $100,000 |
| Service line coverage Covers underground pipes/wires from your home to the street | $10,000 |
| Personal property replacement cost Pays to replace items — not just what they're worth used | INCLUDED |
| Increased cost endorsement (50%) Extra coverage if building codes require upgrades during repairs | INCLUDED |
| Accidental death benefit | $20,000 |
Advance quote discount, claim-free discount, and home/auto multi-policy discount are already included in this price.
Acevedo's Roofing LLC — Effective 04/30/2026
Policy Limits (All Vehicles)
These limits apply across all three trucks.
| Bodily injury & property damage Pays for damage you cause to others | $500,000 |
| Uninsured motorist Protects you if the other driver has no insurance | $500,000 |
| Underinsured motorist Protects you if the other driver doesn't have enough insurance | $500,000 |
| Medical payments Pays medical bills for you and passengers, no matter who caused the accident | $5,000/person |
Your Vehicles
10% multi-policy discount, 10% tailored protection discount, and 15% individual risk credit are already included in this price.
You can pay all at once and save money, or spread it out monthly. Here are your options for each policy.
If you pay in full, there are no billing fees. Monthly/quarterly/semi-annual plans have a small $4 fee per installment, or $2 if you set up automatic payments (EFT). Set up auto-pay with paperless billing and the fee goes away completely.
| Deductible | The amount you pay first before insurance pays the rest. For example, if you have a $1,500 deductible and $10,000 in damage, you pay $1,500 and insurance pays $8,500. |
| Liability | Protects you if you accidentally hurt someone or damage their property. Insurance pays for their medical bills, repairs, and legal costs. |
| Comprehensive | Covers damage to your vehicle from things other than a crash — like theft, hail, fire, vandalism, or hitting a deer. |
| Collision | Covers damage to your vehicle from a crash — whether you hit another car, a pole, or roll over. |
| Uninsured Motorist | Protects you if someone with no insurance hits you. Your policy pays for your injuries and damage. |
| Underinsured Motorist | Protects you if someone hits you and their insurance isn't enough to cover your costs. Your policy makes up the difference. |
| Personal Property | Your belongings inside your home — furniture, clothes, electronics, tools, appliances, everything you own. |
| Replacement Cost | Insurance pays to replace your item with a new one — not just what the old one was worth. A 5-year-old TV gets replaced with a new TV, not a used one. |
| Additional Living Expense | If your home is too damaged to live in, this pays for a hotel, meals, and other costs while it's being repaired. |
| Equipment Breakdown | Covers your home's mechanical systems — furnace, air conditioning, water heater, appliances — if they break down from an electrical or mechanical failure. |
| Service Line | Covers the underground pipes and wires that connect your home to the street (water, sewer, electrical). If they break, this pays to dig them up and fix them. |
| Water Backup | Covers damage from water that backs up through your drains or sewer line into your home. This is different from flood insurance. |
| Multi-Policy Discount | A discount you get for having more than one policy with the same insurance company. Your home and auto together save you money on both. |
| Paid in Full Discount | A discount for paying your entire year of insurance up front instead of monthly. Saves you money because the insurance company doesn't have to send bills. |
If everything looks good, just let me know and I'll get this started.
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