Home Insurance
Great Value Home Insurance
Insuring your home is not just a wise move; in most cases, it's essential.
Fortunately, great value Homeowner's Insurance has never been easier. Ask us and we'll hunt down the best deal that's right for you. 
We'll have you protected in no time at all. No fuss. No hard work for you. Just peace of mind
But Home Insurance is not just about protecting your building and what's inside it. There are many other coverages and endorsements that safeguard you from financial risks you may not have thought about.
That's why we tailor every one of our Homeowner's Insurance policies based on our clients individual and specific needs. We insure thousands of homes and know the risks and how to protect you and your family. All this, and at the best prices to be found anywhere.
The Basics of Homeowner's Insurance
The main parts of a homeowners insurance policy are:
- Coverage for the structure of your home against a wide range of perils like fire, windstorm, snow and vandalism. Key point: You need to be insured for the cost of rebuilding your home, not for its market value. Some people can tend to OVER insure- we make sure you have what you need.
- Protection for the contents of your home if they're damaged, lost or stolen. Key point: Coverage can be based on actual value of items or the cost of replacing them. We'll help you decide and show you how to value the contents.
- Home Liability Insurance. This coverage you need to protect against injury or damage you're responsible for -- like dog bites, a visitor slip-and-trip, or even a tree falling into a neighboring property. Key point: When someone is injured or suffers damage on your property (and beyond), you may subjected to a lawsuit. This could cost tens, even hundreds of thousands of dollars -- or more! Adequate limits are essential and we can explain how to achieve that.
Some risks aren't covered in a standard home insurance policy -- things like floods, utility service lines, back-up of sewer and drains, earthquakes and more. We can help arrange for protection against these risks, either as a standalone policy or as an add-on to your main Homeowner's Insurance policy.
You may also need or want additional protection, for example if you have high value items or collectibles, or if you wish to increase the limits of your liability coverage. We can advise and help you with this too.
I'm a Renter-- Do I Need Insurance?
Most definitely. You probably don’t need protection for the building. Your landlord should have that covered. But you do need liability and contents coverage. You face the same risks for these as a homeowner does.
Why Rizzo For Home Insurance?
We've been protecting our clients for over 30 years and many of them have been with us from the very start -- that's because they know and trust us and understand how dedicated we are in looking after their interests.
They enjoy many other benefits of insuring their home through Rizzo Insurance and you can too. Just a few of the things we do on your behalf:
- We do all the hard work in finding the best Homeowner's Insurance deal for you. You won't have to shop around- we do. And, if it is your bank or mortgage company requesting you to have this coverage, we work with them or their attorneys to make this as smooth and effortless for you as possible.
- We're independent, which means we work for you- not the insurance companies. And, we're not tied to one insurer. We work with many. (They trust us too!).
- We're here for you, not just to sell you a policy- but when you have questions, concerns, or need help if you should suffer a claim. We stay in touch throughout the year and are always accessible when you need us.
- We're price-competitive. That doesn't mean we're always the cheapest. Cheapest often means cutting corners and skipping key protections. We don’t do that.
- We can often secure great discounts on premiums -- for instance if you have multiple policies with the same insurer or if you opt for a higher deductible.
- We'll provide a fast, no-cost, no-obligation quote and explain all of your options for homeowners and renters insurance.
See what we mean?
Act Now
Call us, or email us using contact form on this page now and we'll get working for you. It will be our pleasure to provide you with great Homeowner's Insurance coverage. And it could be the start of a long-term partnership, serving and protecting you.