Homeowners Insurance Policies

Some features may include:

• Up to 200% property location limit.
  No more worrying whether your contents or outbuildings have enough coverage.
• Enhanced replacement cost coverage.
  David Dempsey Insurance will help cover the expense if your home is affected by a covered loss and the cost to rebuild is more than the original insured amount.
• Water backup protection.
  Some policies exclude or severely limit this coverage, we have options that don’t.
• Covered losses for structure and contents.
  Our homeowners policy covers many types of losses for not only your home structure, but your personal property as well.
• Increased building costs.
  If you have to rebuild following a covered loss, you will be protected from increased reconstruction costs due to changes and updates in local laws or codes.
• Mortgage rate protection.
  If your home suffers a total loss, chances are your old mortgage will get paid off and you’ll need a new mortgage on the home built to replace. That might mean increased costs/rates. David Dempsey Insurance offers a policy that will cover the increased expenses (including closing costs, mortgage acquisition fees).
• Personal injury protection.
  This is a critical component of homeowners coverage to protect you if you are sued for libel and slander.
• Computer and data recovery coverage.
  Protects your personal computer hardware and software—including tablets, laptops, desktops and even includes data recovery.
• Jewelry and fur replacement cost coverage.
  With no need for special riders or schedules, depending on your coverage level, we will insure a portion of your jewelry and fur, whether the items are lost or stolen.

Discounts

• A home security system
• A home less than 49 years old
• Package your home, auto and more with one carrier

Flood Insurance

Homeowners insurance does not typically cover flood losses. A separate flood insurance policy can help provide the protection you and your family need from devastating flood damage. David Dempsey Insurance can provide you coverage through Assurant Flood Solutions so that you can protect what matters most: your family, your home, and your way of life.

Auto Insurance

Some features may include:

• New Car Replacement
  Your new car is an investment, and this can be a smart way to protect it. If your car is totaled due to a covered total loss, we’ll replace your vehicle with a current model year, if possible, or a new car of similar size and class if your model is no longer available—all you pay is your policy’s deductible. Contact us to see if you qualify.
• Accident Forgiveness
  David Dempsey Insurance understands that accidents happen to safe drivers, too. Accident Forgiveness can help keep you from incurring a spike in your premium because of an accident, which may be especially helpful if your policy includes a newly licensed driver.
• Loan/Lease Gap Coverage
  As vehicles age and depreciate, a gap between the original amount of the loan and the car’s value can start to widen. Loan/lease gap coverage would protect you in these cases and pay off the original loan.
• Roadside Assistance
  If you’re stranded, Roadside Assistance offers 24/7 roadside service with a wide range of available features under your towing and labor coverage.
• Auto Insurance for Teens
  If you’re purchasing auto insurance for your teenager, you’re likely wondering about how adding a newly licensed driver could affect your existing policy. While it’s no surprise it’s likely to bump up your premium, there are steps you can take to minimize the impact.

Discounts

• Safe Driving Bonus.
  Save if no one on your policy has a chargeable accident in the last 12-month period.
• Future Effective Date.
  You can save on your policy if it is issued a week or more days prior to the effective date.
• Automatic Payment Discounts.
  Enjoy discounts just by using an automatic payment feature.
• New Car Discount.
  Applies to vehicles that were purchased new (not previously titled).
• Homeowners Discount.
  Applies to all vehicles if you owns a home, condominium, townhouse or mobile home.
• Good Payer Discount.
  David Dempsey will assume you are and you’ll continue to get a discount for it as long as all your insurance premiums are paid on time.
• Defensive Driver Discount.
  Applied when certain drivers have successfully completed an approved defensive driving course.
• Anti-Lock Brake Discount.
  Applies to private passenger vehicles and motorhomes equipped with factory installed two or four wheel Anti-Lock Braking Systems (ABS).
• Anti-Theft Device Discount.
  There are different types of theft devices (passive, active special lock and VIN etching). A discount to comprehensive coverage applies, depending on the device.
• Passive Restraint System Discount.
  Applies to medical/personal injury protection (PIP) if air bags or a motorized automatic belt restraint system are factory installed.
• Good Student Discount.
  Student drivers with a GPA of 3.0/B average or better qualify for this discount. A certified statement from a school official at each anniversary date of the policy to qualify.
• Driver Training Discount.
  Applies to each teen (under 21), that has successfully completed a driver’s training course and has completed several hours of actual driving experience.
• Resident Student Discount.
  A student qualifies if he or she resides at a school, which is at least 100 miles from the insured’s residence, and does not have any vehicle at school.