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
Weight of Ice or Snow
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.
Pays for the cost to replace your damaged property minus depreciation.
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):
Will pay for any bodily injury or property damage that you, your household members, or your pets may have caused to other people.
Will pay for the damage to the structure of your building as defined on your Policy Declaration.
Will pay for damage to structures that are separated from the dwelling, such as a detached garage, gazebo or fencing.
Will pay for damage due to water backing up through sewers or drains.
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.
Will pay for necessary medical expenses for your guests who are accidentally injured on your property, regardless of who was at fault.
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.
Will pay for your scheduled high valued property items, such as jewelry, watches, furs, sports equipment, paintings or stamp and coin collections.
Licensed to write in Arizona, California, Connecticut, Delaware, Illinois, Maine, Maryland, Nevada, New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Texas, Vermont, Virginia.
Grillo & Associates has a
reputation of providing excellent service.
Contact our office and let our team of specialists assist you in determining what policy would be best suited for your insurance needs.