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Home Insurance

Your home is likely your biggest asset and it is important to have it properly protected. A homeowners insurance policy will provide protection from the following perils:

  • Wind Storm and Hail
  • Fire and Lightning
  • Smoke Damage
  • Falling Objects
  • Weight of Ice or Snow
  • Freezing Damage
  • Theft and Vandalism
  • Accidental Overflow from Plumbing
  • Accidental Electrical Damage to Appliances
  • Damage by Vehicles

There are mainly two types of homeowners insurance policies for you to choose from. An Actual Cash Value policy or a Replacement Cost Policy.

Actual Cash Value
Pays for the cost to replace your damaged property minus depreciation.
Replacement Cost Policy
Pays for the repair or replacement of damaged property with materials of similar kind and quality. Depreciation will not be deducted from a replacement cost policy. Your Homeowners Insurance policy will provide the following coverage(s):
Family Liability Protection
Will pay for any bodily injury or property damage that you, your household members, or your pets may have caused to other people.
Dwelling Protection
Will pay for the damage to the structure of your building as defined on your Policy Declaration.
Protection for Other Structures
Will pay for damage to structures that are separated from the dwelling, such as a detached garage, gazebo or fencing.
Water back-up of sewer
Will pay for damage due to water backing up through sewers or drains.
Personal Property
Will pay for movable property such as a stereo, bicycle or furniture. Most homeowners policies set special coverage limits for movable property. However, you can increase the limits of specific pieces of property under the scheduled personal property portion of your policy.
Guest Medical Protection
Will pay for necessary medical expenses for your guests who are accidentally injured on your property, regardless of who was at fault.
Additional Living Expenses
Will pay for reasonable increase in living expenses if your home becomes uninhabitable because of a covered loss. This may include payments for a hotel or food.
 Scheduled Personal Property
Will pay for your scheduled high valued property items, such as jewelry, watches, furs, sports equipment, paintings or stamp and coin collections.


You may have substantial liability limits on your general liability, auto liability and employers liability policies. However, it is not uncommon for a jury to award damages that exceed those limits. A commercial umbrella policy will provide excess coverage when your general, auto and employers liability limits have been exhausted.


Grillo & Associates has a reputation of providing excellent service. Contact our office and let our team of specialists assist you in determining what policy will be best suited for your business.