Homeowners Insurance

Protecting you is what we do...for less!

Your family and your home are the center of your life.  And the last thing you want or have time to think about is your homeowners insurance...

BUT you should!
The agents at LaBrozzi Insurance Group get to know you, so that they can customize your insurance to get the coverage you need ...

BEFORE a claim occurs!

DID YOU KNOW WHY REPLACEMENT COST COVERAGE IS IMPORTANT TO HAVE IF YOU SUFFER A PARTIAL LOSS TO YOUR HOME?  

  • If you carry Replacement Cost on your home and you have a kitchen fire, for example, and the amount to repair the kitchen is $15,000, then the insurance would cover the entire $15,000.Conversely, if you only carry Actual Cash Value of 70%, for example, the $15,000 repair would only be covered up to $10,500, which is 70% of $15,000.So you would have to pay the $4,500 out of your pocket to put your kitchen back to the way it was before the fire. Call LaBrozzi Insurance Group today to make sure your home, (most likely your largest asset), is fully protected. You may be surprised to find out that the insurance rate for Replacement Cost coverage is not that much more than an Actual Cash Value policy.

 

1.

DID YOU KNOW YOUR HOMEOWNERS POLICY IS YOUR FIRST LINE OF DEFENSE AGAINST A
LAWSUIT SHOULD SOMEONE BE INJURED ON YOUR PROPERTY?

  • Suppose a visitor slips on your steps and suffers an injury. Your homeowners insurance will cover
    some emergency medical treatment, BUT, if you were negligent (ice on steps, loose boards, no
    railing), then the liability portion of your homeowners insurance would pay on your behalf should
    the injured party decide to sue you for causing their injury.
    Liability also covers you away from your home. For example, let’s say your dog ran across the
    street to greet a friendly neighbor who just got home. Rover jumps up on the car door to say “hi”
    and leaves scratches. Neighbor is now not so friendly. Your homeowners policy would cover the
    damage under your liability.

2.

DID YOU KNOW THAT HAVING A STANDARD HOMEOWNERS POLICY MAY LEAVE SOME THINGS
UNPROTECTED?

  • Certain perils are not covered unless you specifically add them to the standard policy, such as
    Flood, Earthquake, Backup of Water/Sewer, Underground Service Line coverage, Fine Art,
    Collectibles and expensive Jewelry, to name a few.
    This is the reason that it’s important to review your coverage periodically and make changes
    accordingly, as your needs change over time. LaBrozzi Insurance Group wants you to know that
    you’re adequately covered BEFORE a loss occurs. Call today to schedule a review - it’s very
    important!

3.

DID YOU KNOW LABROZZI INSURANCE GROUP HAS INSURANCE COVERAGE FOR
ANY TYPE OF HOME YOU HAVE?

  • Home

  • Mobile Home

  • Rental Property

  • Camp

  • Secondary Home

  • Home under construction

  • Townhome

  • Condo

  • Renters coverage

  • Also: Jewelry Rider,  Collectibles and Excess Liability coverage

 

4.

© LaBrozzi Group Insurance, Inc.

33 Main St 2nd Floor, Bradford, PA 16701

814-368-5312 

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814-368-5312