At Shafer Insurance Agency, we believe that getting the right coverage shouldn’t mean overpaying. That’s why we’ve created a clear comparison chart that shows how we consistently help clients save money, while ensuring they’re fully protected. By partnering with multiple top-rated carriers and tailoring policies to each client’s unique needs, we’re able to offer better rates without sacrificing coverage quality. Our comparison chart highlights real examples of how we’ve reduced premiums, increased protection, or both—demonstrating the true value of working with an agency that puts your needs first.
Case Study #1
| Exposure | Liberty Mutual | Cincinnati |
| Homeowners | $525,000 Dwelling $52,500 Other Structures $393,750 Personal Property Actual Loss of Use $500,000 Personal Liability $5,000 Medical Payments $1,000 Deductible $2,625 Wind/Hail Deductible $7,525 Jewelry | $750,000 Dwelling $75,000 Other Structures $562,500 Personal Property Actual Loss of Use $500,000 Personal Liability $5,000 Medical Payments $1,000 Deductible
Sinkhole Coverage Earthquake Coverage ($381.00) Homeowners Plus Endorsement ($120.00) Guaranteed Reconstruction ($80.00) $25,000 Identity Theft ($27.00) $100,000 Equipment Breakdown ($79.00) $50,000 Water Back-Up ($202.00) $25,000 Service Line ($40.00) $100,000 Personal Cyber ($66.00) |
| Annual Premium: | $5,280.00 | $2,682.00 |
| Automobile | $500,000 Liability $5,000 Medical Payments $500,000 Uninsured Motorist $500 Comprehensive Deductible · Glass Coverage $500 Collision Deductible Roadside Assistance $30/$900 Rental Reimbursement | $500,000 Liability $5,000 Medical Payments $500,000 Uninsured Motorist $500 Comprehensive Deductible • $0 Full Glass $500 Collision Deductible Roadside Assistance $50/$1,500 Rental Reimbursement |
| Annual Premium: | $4,647.00 | $3,013.00 ($2,790.00 Paid-in-Full) |
| Personal Articles | On Homeowner’s Policy | $7,525 Jewelry |
| Annual Premium: | $78.00 | |
| Personal Umbrella | $2,000,000 Personal Liability $1,000,000 Excess Uninsured Motorist ($240.00) | |
| Annual Premium: | $713.00 | |
| Total Premium: | $9,927.00 | $6,591.00 |
Case Study #2
| Exposure | Selective | Cincinnati |
| Homeowners Policy | $2,500,000 Dwelling $250,000 Other Structures $1,820,000 Personal Property 24 Months Loss of Use $500,000 Personal Liability $25,000 Medical Payments $5,000 Deductible
$137,298 Jewelry Earthquake Coverage · With Masonry Veneer Exclusion Sinkhole Coverage $20,000 Service Line Coverage Guaranteed Replacement Cost $25,000 Water Backup | $2,900,000 Dwelling $450,000 Other Structures $1,740,000 Personal Property Actual Loss of Use $500,000 Personal Liability $25,000 Medical Payments $5,000 Deductible $29,000 Wind/Hail Deductible $137,298 Jewelry ($1,288.00) Earthquake Coverage ($1,305.00) · Without Masonry Veneer Exclusion Sinkhole Coverage $25,000 Service Line Coverage Guaranteed Replacement Cost Full Water Backup $100,000 Identity Theft $100,000 Personal Cyber ($203.00) |
| Annual Premium: | $9,495.00 | $12,305.00 |
| Auto Policy 2025 BMW X5 2024 Ford Bronco 2021 Ram 1500 | $500,000 Liability $10,000 Medical Payments $500,000 Uninsured Motorist $1,000 Comprehensive Deductible
$1,000 Collision Deductible Roadside Assistance $50/$1,500 Rental Reimbursement | $500,000 Liability $10,000 Medical Payments $500,000 Uninsured Motorist $1,000 Comprehensive Deductible · $0 Full Glass Coverage $1,000 Collision Deductible $350 Roadside Assistance $15,000 Rental Reimbursement Capstone Auto Endorsement ($940.00) |
| Annual Premium: | $8,785.00 | $8,865.00 |
| Umbrella Policy | $5,000,000 Excess Liability | $5,000,000 Excess Liability $2,000,000 Excess Uninsured Motorist ($504.00) |
| Annual Premium: | $1,486.00 | $2,135.00 |
| Total Premium: | $19,766.00 | $23,305.00 |