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Regency Insurance Agency

Regency Insurance Agency

Let us provide us provide you the best value in auto, home, business and life insurance products whether you live in Painesville, Mentor, Willoughby, or anywhere else in Ohio. Finally, an agency you deserve!

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Progressive Homeowners Insurance

Progressive Insurance now offers one of the most competitive homeowners insurance products in the industry.

Don’t settle for the “Industry Standard” quote you’ll get from most companies. The “Platinum Endorsement” provides more coverage than many of the leading competitors…at a price that just may surprise you.

Here’s the catch…it’s only available through select Progressive “Platinum” agencies – like us!

For more details, check out the coverage comparison below, or call us for more information at 440-266-8888

ENJOY THE “PLATINUM ENDORSEMENT” DIFFERENCE

Coverage ComparisonHOH Base PolicyHomeShieldHomeShield+Platinum Endorsement
Property Coverages
Coverage C Limit of Liability (% of Cov A)Variable50%70%70%
Coverage A and B – Vandalism and Malicious Mischief ExclusionNo coverage if vacant or unoccupied for more than 30 daysNo coverage if vacant or unoccupied for more than 30 daysNo coverage if vacant or unoccupied for more than 30 daysNo coverage if vacant or unoccupied for more than 60 days
Coverage ComparisonHOH Base PolicyHomeShieldHomeShield+Platinum Endorsement
Additional Coverages via Endorsement
Increased Replacement Cost on DwellingNot Included25% of Cov A50% of Cov A50% of Cov A
Loss Assessment$1,000$2,500$5,000$5,000
Ordinance or LawCoastal: 0
Non-Coastal: 10% Cov A
Coastal: 0
Non-Coastal: 10% Cov A
25% Cov A25% Cov A
Personal InjuryNot IncludedIncludedIncludedIncluded
Personal Property Replacement CostNot IncludedIncludedIncludedIncluded
Special Personal PropertyNot IncludedNot IncludedIncludedIncluded
Water BackupNot Included$5,000$10,000$10,000
ID Theft Recovery AssistanceNot IncludedNot IncludedIncludedIncluded
Coverage ComparisonHOH Base PolicyHomeShieldHomeShield+Platinum Endorsement
Additional Coverages
DeductibleStandard DeductibleStandard DeductibleStandard DeductibleWaives first $500 of deductible for a loss >$50,000
Debris RemovalLimited Perils; Per tree sublimit w/$1,000 total limitLimited Perils; Per tree sublimit w/$1,000 total limitLimited Perils; Per tree sublimit w/$1,000 total limitOpen Perils; Deletes per tree sublimit ($1,000 total limit)
Trees, Shrubs and Other PlantsOutdoor plants only; $500 per plant w/ 5% Cov A aggregateOutdoor plants only; $500 per plant w/ 5% Cov A aggregateOutdoor plants only; $500 per plant w/ 5% Cov A aggregateOutdoor/Indoor plants; $1,000 per plant with 5% Cov A aggregate
Fire Department Service Charge$500$750$1,000$1,000
Property RemovedCoverage up to 30 daysCoverage up to 30 daysCoverage up to 30 daysCoverage up to 60 days
CollapseProvides for Cov A & BProvides for Cov A & BProvides for Cov A & BProvides for Cov A, B, & C
Credit Card, Fund Transfer & Forgery$1,000$2,000$3,000$5,000
Breakage of GlassNo coverage if vacant 30 daysNo coverage if vacant 30 daysNo coverage if vacant 30 days>No coverage if vacant 60 days
Grave MarkersNot IncludedNot IncludedNot Included$5,000
Lock ReplacementNot Included$250$500$500
Reward ReimbursementNot IncludedNot IncludedNot Included$1,000
Data ReplacementNot IncludedNot IncludedNot Included$5,000
Arson RewardNot IncludedNot IncludedNot Included$1,000
Household ProductsNot IncludedNot IncludedNot Included5% of Cov A
Kidnap/Ransom ExpenseNot IncludedNot IncludedNot Included$50,000/$5,000
Animal LiabilityNot IncludedNot IncludedNot IncludedIncluded (Prohibited breeds/ animals still excluded)
Coverage ComparisonHOH Base PolicyHomeShieldHomeShield+Platinum Endorsement
Special Limits
Cosmetic and aesthetic damage to floors$10,000$10,000$10,000$20,000
Money, coins, bank notes, etc.$250$250$500$1,000
Securities, accounts, deeds, etc.$1,000$1,000$2,500$5,000
Watercraft of all types$1,000$1,000$2,500$3,000
Trailers or semitrailers of all types$1,000$1,000$2,500$3,000
Theft of jewelry and furs$1,000$3,000$5,000$5,000
Electronic apparatus and accessories, while in or upon a “motor vehicle”$1,000$1,000$1,000Deletes limit
Electronic apparatus and accessories used primarily for “business” while away from the “residence premises”$1,000$1,000$1,000Deletes limit
Art$1,000$1,000$1,0005% of Cov A
Collections$1,000$1,000$2,5002% of Cov A
Bicycles and attached related equipment$1,500$1,500$5,000Deletes limit
Electronics$2,000 per item w/ 10% of Cov C aggregate$2,000 per item w/ 10% of Cov C aggregateDeletes limitDeletes limit
Theft of firearms and related equipment$2,500$2,500$4,000$6,000
Theft of silverware & pewterware$2,500$2,500$4,000$6,000
Business property on premises$2,500$2,500$4,000$5,000
Business property away from premises$250$250$750$1,000
Theft of personal computers$2,500$2,500$2,500Deletes limit
Theft of tools$5,000$5,000$5,0005% of Cov A
Any one unscheduled personal property itemLimits to 10% of Cov CLimits to 10% of Cov CDeletes limitDeletes limit
Increased combined limit for securities, jewelry, and silverware kept in a bankNot IncludedNot IncludedNot Included$50,000 if in a vault

A Full Service Independent Agency Meeting Your Auto, Home, Life  & Business Insurance Needs in Painesville, Mentor, Willoughby, and all of Northeast Ohio

Let Us Protect Your Tomorrows From The Unexpected

Contact Us Now
for Your Insurance Needs

SERVING THE INSURANCE NEEDS OF OHIO SINCE 1994.

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Regency Insurance Agency

1930 Mentor Ave.
Painesville, OH 44077

(440) 266-8888
(440) 266-8899 Fax

contact@regencyinsurance.net

© Copyright 2021 Regency Insurance Agency