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X, PAGE 9 - PLAINDEALER - WEDNESDAY. SfcFltMnncn i»o The Shopper's Guide to Home and Apartment Insurance COMBINING COVERAGE IS MOAE ECONOMICAL By Herbert S. Denenberg Former Commissioner Pensylvania Insurance Dept. Village of Sunnyside Evelyn Sandell 385-2696 Homeowner's insurance is one of the best buys in the insurance marketplace. It puts into one package fire, theft, and personal liability coverage for less than each would cost separately. And it offers a protection not only to owners of houses but to apartment dwellers a£ well. In buying homeowner's insurance, it is especially important to get adequate minimum coverage, to take into account the impact of inflation and to shop around, premiums for comparable coverage can vary as much as 75 per cent. Some substantial savings can also be made by increasing deductibles beyond the standard amounts. For example, premiums can be cut sometimes by 10 per cent with $100 instead of $50 deductible; they can be reduced by 25 per cent by making the first $500 deductible. Most companies sell five basic types of homeowner's coverage, four for homeowners and one for tenants. Generally called Forms 1 through 5, they provide increasing coverage against various perils. The i n t e r m e d i a t e f o r m s , particularly Form 2, are the most popular. 80 Per Cent Cut-off... For best results, a house should be insured.for at least 80 per cent of its replacement cost. Most companies use that figure as the cut-off in determing whether you will receive the exact amount of policy coverage or "the actual cash value." The latter is the replacement cost minus depreciation due to wear, tear and obsolescence. The quickest way to get caught short of the 80 per cent mark is to forget about inflation in construction costs. One Fairfax, Va., couple found out how easy that is to do. In October, 1971, they increased their fire coverage from $20,000 to $35,000. But when their house was destroyed by fire only a year later, thev found that the replacement cost had risen to $46,000. To make sure that you have enough coverage, you can add an "inflation guard endorsement" to your basic policy. This automatically increases the policy limits by a certain percentage, usually one per cent every three months, adding about five per cent to the annual premium. However, in many areas, building costs are rising much faster than that, so it is wise to review your policy with an agent periodically. Covering Contents... The premium on contents of a house usually is based on their value in proportion to the total value of the house. In most cases, contents coverage is set at 50 per cent of total house coverage. For a minimal charge, you can increase contents coverage without increasing your total house insurance. Increased insurance on jewels, furs, or other valuable can be added with a "scheduled p e r s o n a l p r o p e r t y endorsement," and nominal additional premiums will buy more liability and medical coverage. In considering extras, it is essential to be aware of policy exclusions. The most important standard exclusions are against losses from floods, coal mine cave-ins, earthquakes and nuclear accidents. No private insurance companies sell flood insurance, but an agent can explain how to get it through the Federal Government. Coal mine cave-in insurance is available from some state agencies. Some companies sell earthquake insurance although it is rarely purchased, there is no coverage currently available against nuclear accidents, but victims may be able to obtain recovery from insurance carried by the nuclear plan involved in an accident. Fair Plan... Some inner-city dwellers may have difficulty getting homeowner's insurance. If you have no success after shopping around, you can at least get fire insurance through government- sponsored fair plans which operate in most states. A property or casualty agent can tell you about this coverage. Like other types of insurance, homeowner's insurance varies considerably in rates charged for identical policies from company to company, except for firms belonging to certain associations. An analysis of rates by the Pennsylvania Insurance Department for a typical $20,000 brick house in the city (Philadelphia) showed a variance of $46 to $80 per year, a difference of almost 75 per cent, from the lowest to the highest cost company. Many fire insurance companies are members of the Insurance Services Office, sf rating bureau which pools information and sets rates that are identical for nearly identical policies. Lower rates can often be obtained elsewhere. Area Differences... Rate for all companies vary by locality, depending on the incidence of crime and fire and the quality of police and fire protection. Your decision in selecting a company should also be based on the quality of service provided by the agent, promptness and fairness in handling claims and types of billing procedures. Mosquito Spray Program Harmless To Vegetables Just in case anyone is worried about the mosquito abatement spray harming their vegetables, I called the com­ pany and they informed me that the spray they use is ab­ solutely harmless. They told me as a precaution you should wash your vegetables and fruit before eating them. They also told me, it would be advisable to put on a spray of some kind if you are going out after dusk, just to be on the safe side. The man informed me that in our area the situation is very well under control, but you could use a spray just as an extra precaution. They will send me more information if anyone requests it. EARLY DEADLINE I had to have these articles in to the newspaper by last Friday so I was not able to put in any news from the meeting. GREETINGS We would like to wish Mary Kay Van Berkum a very happy birthday on the second. Many, many more, Mary Kay. Local Artist Will Exhibit Works Sept. 6 The public is invited to attend a one-day only showing of the new works of Byron Wrigley, 701 N. Michigan avenue, Chicago, Betty Odmark, McHenry, and Thomas V. Trausch, 507 W. Third street, Woodstock, Saturday, Sept. 6, from 10 a.m. to 4 p.m. at the gallery of American society of Artists, 700 N. Michigan avenue, Chicago. The exhibitors will be present. Ms. Odmark will exhibit acrylic paintings and sculp­ ture. Her sculpture will include a life size papier-mache lion and a small hippopotamus wearing a garland of flowers To check on the financial stability of a firm, consult Best's Insurance Reports. This bulky, expensive book can be found at most large libraries and at some insurance offices. No insurance payment can compensate for pain, trauma and inconvenience of fire or theft. In addition to taking the obvious prevention measure, you should also consider: Etching your Social Security number or other identification on valuables, identifying rooms occupied by children or elderly with window decals provided by many insurance and fire companies, and installing an approved fire and burglar alarm system. and a pink bow on his tail. She has exhibited with American Society of Artists at its Fall Festival of Arts and Crafts for the past two years and will again exhibit this September at Crystal Point Mall, Sept. 27 and 28, Crystal Lake. COMPLETE POLICE COURSE - Twenty-eight volunteers of the Civil Defense Auxiliary Police ̂ Reserve course have graduated, according to John J. Shay, director of McHenry County Civil Defense. From left to right, front, they are Sam Wvatt, Fred Vogelsberg, George Havens, John Hosie, John Taylor, David Parrish, Alan Glowinski, Rick Duel and William Stegall; second row, June Wood, Carol McPherson, Maria Hernandez, Shirley Hosie, Charmain Vidovich, Joan Werth, Sue Stippick. Victoria Moran and Normalee Nelson; back row, Mary Schmuhl, Susan Treese, GayleCitistafson, Harry Buchert, Auxiliary Police Captain Dennis Malysiak, Sheriff Police Captain Robert Crabtree, County Civil Defense Director John J. Shay, Jerry Birch, W'.R. Arndt, Severin Lodewyck, June Buckert and Jeralynn Moeller. EARNS DEGREE Diplomas for 1,411 summer graduates of the University of Illinois at Urbana-Champaign will be mailed to recipients about Oct. 15. The total includes 566 undergraduate and professional degrees and 845 advanced degrees. Among them is Kathleen S. Alford, 3811 W. Grove avenue. McHenrv, Church Sets Dates For Fal l Antique Show-Sale Twenty-four antique shops under one roof - that is what the collector will find at the fourth annual Antique show and sale to be held at Bethany United Methodist church, 15th street and Grange avenue, whose school was Liberal Arts and Sciences. Racine, Wis., Sept. 12 and 13. On Friday the show w ill be open from 10 a.m. to 9 p.m. and on Saturday from 10 a.m. to 5 p.m. A wide choice of antiques gathered by twenty-four professional dealers will fill three floors of Fellowship hall, yesteryear's glassware, fur­ niture, Japanese antiques, clocks, silver, jewelry, dolls and china will be among the many items displayed. Last year over 1400 visited the show. from HISTORY'S SCRAPB00K DATES AND EVENTS FROM YESTERYEARS • September 5, 1882-Members of labor unions hold the first Labor Day parade in the United States. More than 10,000 workmen parade in New York City. September 6, 1909-The world receives the news that 5 months earlier, on April 6, Admiral Robert E. Peary had discovered the North Pole. Peary's claim, challenged by Dr. Frederick A. Cook who claimed he discovered the Pole in 1908, was upheld by the National Geographic Society in 1910. September 7, 1813-Nickname "Uncle Sam" stems from this day when a writer for the Troy (New York) Post used it as a symbolic reference to the United States. This series is based on The Shopper's Guidebook to Life Insurance, Heakftk. In­ surance, Auto Insurance, Homeowner's Insiirtnce, Doctors, Dentists, Lawyers, Pensions, Etc. by Herbert S. Denenberg. Consumer News Inc., Washington, D.C., 20045. 156 pp. $3.50. Includes French FRIDAY FISH LOVERS SPECIAL *2^5 Lake Perch & Si d (Plus Full Menu Ser. BARBARA KLEIN SCHOOL OF DANCE BALLET & TAP Fall Classes Now Forming! Y O U N G S T E R S t o A D U L T S ALSO ADULT EXERCISE CLASSES F o r R e g i s t r a t i o n P h o n e ( 8 1 5 ) 7 2 8 - 0 1 6 1 O r S t o p I n A t T h e S t u d i o 4 4 0 3 R i n g w o o d R d W o n d e r L a k e , I I I . P M E M B E R O F I N T E R N A T I O N A L S O C I E T Y T E A C H E R O F D A N C E . WE RESERVE THE RIGHT TO LIMIT QUANTITIES ON SALE ITEMS. IQIIIRS OF mi WINES AND LIQUORS Sale Beer Not Iced MERCHANTS PRICES EFFECTIVE SEPT. 3 THRU SEPT. 9 4610 W. RTE. 120 McHENRY, ILLINOIS Re-Opening Sale 3rd BIG WEEK Coke " 8-16 OZ. BOTTLES Plus Deposit Tab or Fresca 8 1 6 O Z . B O T T L E S 89* M Plus Deposit IMPORTED BRANDY Sandeman *3 99 FIFTH CASTILLO Rum *3" FIFTH IMPORTED Galliano LIQUORE $34, SCOTCH V2 GALLON FROM OUR WINE CELLAR Ballantine $] 2 4 9 " <vuAbui WHISKEY Windsor Canadian GIN Beefeater 3 FOR *1449 FROM OUR WINE CELLAR Mateus Rose $2 3 9 FIFTH FRENCH WINE SALE STILL IN PROGRESS [Jhyu.jat La MONT Burgundy or Rose 50 OUNCE MAGNUM $ 1 9 9 Bohemian Club 24-12 OZ. BOTTLES !3" Plus Dep. Old Style 6-12 OZ. CANS $ 1 3 5 * K Miller Lite $ J 4 9 lite CLIP AND REGISTER FREE drawing for ^ 100 liquor baskets! 6-12 OZ. BOTTLES O R C A N S NAME. % $ ADDRESS. CITY STATE PH. VISIT OUR CHEESE SHOP .« *1132I00