Downers Grove Chicago Il
Resume:
The Meyers Group
Downers Grove IL 60515-3098
Information as of January 5, 2024
Policyholder(s)
Stephen Rhymes
Policy number
Your Allstate agency is
The Meyers Group
*************@********.***
Scan or visit
allstate.com/forms
to access the
Policy Contract.
FFFDTFAFFFAATFFTAFTDTADAFTDDTTADDDDDDDAAFTADTFTTDFDAAFDAFTDFTAFFF STEPHEN RHYMES
8026 S DOBSON AVE
CHICAGO IL 60619-4406
We re Confirming Your Policy Change
Thank you for the opportunity to help take care of your insurance needs. We want to let you know that we've made the change(s) you requested to your policy.
Please look over all the information in this mailing. Inside you ll also find a guide to what s in this package and answers to some common questions.
What has changed?
The enclosed Amended Policy Declarations provides a detailed list of the coverages, coverage limits and coverage costs for your House & Home policy. It also shows the following changes to your policy: A policy coverage has been changed.
A discount has been changed on your policy.
A discount has been changed on your policy.
The changes took effect on 01/06/2024.
Your premium for the current policy period has been decreased by a total of $35.19. How to contact us
Give your Allstate Agent a call at 630-***-**** if you have any questions. It s our job to make sure you re in good hands.
EP113-1
Policy number: 811 616 736 Page 2 of 2
Policy effective date: November 20, 2023
064 070 012 240106S001803 000000811616736240106S001803PRO PROR02IL2024010607073801A-000***-***-*-**-**
Your Insurance Coverage Checklist
We re happy to have you as an Allstate customer! This checklist outlines what s in this package and provides answers to some basic questions, as well as any next steps you may need to take. A guide to your amended package
£ What s in this package?
See the guide below for the documents that are included. Next steps: review your Policy Declarations to confirm you have the coverages, coverage limits, premiums and
savings that you requested and expected. Read any
Endorsements or Important Notices to learn about new policy changes, topics of special interest, as well as required communications. Keep all of these documents with your other important insurance papers.
£ Am I getting all the discounts I should?
Confirm with your Allstate Agent that you re benefiting from all the discounts you re eligible to receive. Policy
Declarations*
The Policy
Declarations
lists policy
details, such as
your property
details and
coverages.
Important
Notices
We use these
notices to call
attention to
particularly
important
coverages, policy
changes and
discounts.
Insurance Made
Simple
Insurance seem
complicated?
Our online
guides explain
coverage terms
and features:
www.allstate.com/
madesimple
Espanol.allstate.com
/facildeentender
£ What about my bill?
Unless you ve already paid your premium in full, we ll send your bill separately. Next steps: please pay the minimum amount by the due date listed on it.
You can also pay your bill online at Allstate.com/support or through the Allstate mobile app. If you re enrolled in the Allstate® Easy Pay Plan, we ll send you a statement detailing your payment withdrawal schedule. Para
español, Ilamar al 1-800-***-****.
£ What if I have questions?
Visit Allstate.com/support to browse our list of frequently asked questions and find information regarding billing or policy documents. You can also create an online account to access and manage your policies. Para español, Ilamar al 1-800-***-****.
* To make it easier to see where you may have gaps in your protection, we ve highlighted any coverages you do not have in the Coverage Detail section in the enclosed Policy Declarations. Page 1 of 4
IL070AMD
Amended House & Home Policy Declarations
Your policy effective date is November 20, 2023
Information as of January 5, 2024
Summary
Named Insured(s)
Stephen Rhymes
Mailing address
8026 S Dobson Ave
Chicago IL 60619-4406
Policy number
811 616 736
Your policy provided by
Allstate Vehicle and Property
Insurance Company
Policy period
Beginning November 20, 2023 through
November 20, 2024 at 12:01 a.m.
standard time
Your Allstate agency is
The Meyers Group
515 Ogden Ave #300
Downers Grove IL 60515-3098
*************@********.***
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.
Total Premium for the Policy Period
Premium for property insured $3,191.54
Total $3,191.54
Discounts (included in your total premium)
Multiple Policy $898.34 Early Signing $819.88
Responsible Payment $1,204.77 Welcome $304.43
Total discount savings* $3,231.26
*Any discounts of $5 or less are not listed above but are included in the total discount savings number.
Surcharge (included in your total premium)
Claim rating $1,401.33
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: 8026 S Dobson Ave, Chicago, IL 60619-4406 Location zone: N4173599W08759283
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 1953; 2 families; 2320 sq. ft.; 2 stories Foundation:
Below grade basement, 100%
Detached structure:
One 2-car detached garage
Interior details:
Two builders grade kitchens
Two builders grade full baths
One softwood straight staircase
Exterior wall types:
30% vinyl siding 70% brick on frame
Interior wall partition:
100% drywall
Heating and cooling:
(continued)
064 070 012 240106S001803 000000811616736240106S001803PRO PROR02IL2024010607073801A-000***-***-*-**-**
Amended House & Home Policy Declarations
Policy number: 811 616 736
Policy effective date: November 20, 2023
IL070AMD
Page 2 of 4
Insured property details* (continued)
Gas heating, 50% Central air - same ducts, 50%
Additional details:
Standard wood sash with glass, 100%
Two exterior wood doors
Interior wall height - 8 ft, 100%
Fire protection details:
Fire department subscription - no 1 mile to fire department Roof surface material type:
Other
100% built-up / tar and gravel
Roof details:
Predominant roof type: Other
Roof geometry - Flat
Age of roof - 16 years
Mortgagee
UNITED WHOLESALE MORTGAGE LLC ISAOA ATIMA
P O Box 202028, Florence, SC 29502-2028
Loan number: 122*******
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
Coverage Limits of Liability Applicable Deductible(s) Dwelling Protection $517,416 $25,870 Windstorm and Hail
$25,871 All other perils
Other Structures Protection $25,871 $25,870 Windstorm and Hail
$25,871 All other perils
Personal Property Protection $362,192 $25,870 Windstorm and Hail
$25,871 All other perils
Additional Living Expense Up to 24 months not to exceed $206,967 Family Liability Protection $100,000 each occurrence Guest Medical Protection $1,000 each person
Building Codes Not purchased*
Building Structure Reimbursement
Extended Limits
Not purchased*
Roof Surfaces Extended Coverage Included
Water Back-Up $10,000 $1,000 Water Back-Up
Extended Premises Included
Service Lines $10,000 $500 Service Lines
Amended House & Home Policy Declarations
Policy number: 811 616 736
Policy effective date: November 20, 2023
IL070AMD
Page 3 of 4
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*
Extended Coverage on Musical
Instruments*
Extended Coverage on Sports
Equipment*
Fair Rental Income*
Functional Replacement Cost*
Golf Cart*
Green Improvement*
Home Day Care*
Identity Theft Expenses*
Increased Coverage on Business
Property*
Increased Coverage on Theft of
Silverware*
Loss Assessments*
Mine Subsidence*
Secondary Residence*
Select Value*
Workers' Compensation and
Employers' Liability Coverage
for Residence Employees*
Yard and Garden*
* 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
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 Roof Surfaces Extended Coverage Endorsement AVP42
Extended Premises Amendatory Endorsement AVP380 Depreciation Amendatory Endorsement AP4970
Amendatory Endorsement AVP381 Amendment of Policy Provisions AVP89
Windstorm and Hail Deductible Endorsement AVP82 Illinois Amendatory Endorsement AVP86-3
Service Lines Endorsement AVP571 Standard Fire Policy AVP101
Water Back Up Endorsement AVP258
Please note: The Policy Contract listed as the first item in this section is not mailed and can be found at allstate.com/forms. You can view your complete Policy Package, including the Policy Contract, on myaccount.allstate.com or request a mailed copy at 1-800 Allstate® (1-800-***-****). Endorsements to your Policy Contract are only enclosed the first time they apply to your policy and not in subsequent renewal or endorsement packages. Important payment and other information
Here is some additional, helpful information related to your coverage and paying your bill:
The Property Insurance Adjustment condition applies using the Marshall Swift Boeckh Publications building cost index.
Do not pay. Mortgagee has been billed.
064 070 012 240106S001803 000000811616736240106S001803PRO PROR02IL2024010607073801A-000***-***-*-**-**
Amended House & Home Policy Declarations
Policy number: 811 616 736
Policy effective date: November 20, 2023
IL070AMD
Page 4 of 4
Allstate Vehicle and Property Insurance Company's Secretary and President have signed this policy with legal authority at Northbrook, Illinois.
William Hill
President
Susan L. Lees
Secretary
Page 1 of 1
Important notices
Policy number: 811 616 736
Policy effective date: November 20, 2023
Your Estimated Home Replacement Cost
Allstate has determined that the estimated cost to replace your home is: $517,416.
We based your estimated cost on information provided by you and selected data that was available to us, which is described in the Insured property details section of your Policy Declarations. Please review all the information in this section to ensure the accuracy of the information used to determine the estimated replacement cost of your home.
The enclosed Policy Declarations shows the limit of liability applicable to Dwelling Protection Coverage A of your homeowners insurance policy. The estimated replacement cost of your home is the minimum amount for which we will insure your home.
The decision regarding the limit applicable to your Dwelling Protection Coverage A is your decision to make, as long as, at a minimum, your limit equals the estimated replacement cost as determined by Allstate and does not exceed maximum coverage limitations established by Allstate.
It is important to keep in mind that your Coverage A limits reflect a replacement cost that is only an estimate based on data that was available to us when we made this estimate (this information is described in the Insured property details section of your Policy Declarations). The actual amount it will cost to replace your home cannot be known until after a covered total loss has occurred. Please keep in mind that we do not guarantee the adequacy of the estimate to cover any future loss(es).
How Is the Replacement Cost Estimated?
Many factors can affect the cost to replace your home, including its age, size, and type of construction. For example, the replacement cost uses construction data, such as labor and materials, that are available to us when we made this estimate. This estimate is also based on characteristics of the home, which include information that you provided to us. You might have chosen to insure your home for a higher amount than the estimated replacement cost shown above.
Note to Customers Renewing Their Policy
The estimated replacement cost for your home may have changed since the last time we communicated this information to you. This is because, at renewal, Allstate uses the home characteristics that you have provided to us to recalculate and update the estimated replacement cost. Using updated labor and material rates for your zip code, Allstate takes the home characteristics you have provided and determines the updated estimated replacement cost. The information about your home s characteristics is provided in the Insured property details section of your Policy Declarations.
Please note: Your Dwelling information is used to estimate your home replacement cost. It s important to review and update this information so we re using the most accurate details to estimate your home s replacement value. If the information about your home shown in your Policy Declarations requires any change or if you have any questions or concerns about the information contained in this Important Notice, please contact your Allstate representative, or call us at 1-800-ALLSTATE.
X73182-1
064 070 012 240106S001803 000000811616736240106S001803PRO PROR02IL2024010607073801A-000***-***-*-**-**
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