Home Insurance

Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. Depending on where you live - a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

The Homeowners Policy

Homeowners policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

Types of coverages

The four types of homeowners’ coverage are:

  • Structural — Covers damage to your home or dwelling.
  • Personal Belongings — Covers damage to items in or on your home or dwelling.
  • Liability Protection — Covers your legal responsibility for injuries or damage to other people or property.
  • Additional Living Expenses — Covers costs for temporary housing, meals, etc., while your home is being restored or rebuilt.

Structural and Personal Belongings coverages are available on an actual cash value (ACV) basis or at full replacement cost. ACV coverage considers the current market value of an item based on its age and condition. So, if you purchased a television for $400 four years ago, the value today would be significantly less than it was when you purchased it. ACV coverage would depreciate the item's value to determine the current value. Full replacement cost considers the current cost to replace an item.

Your Responsibilities as a Homeowner

Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video - using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn't cover damages caused by poor or deferred maintenance on your part.

Get An Insurance Quote Request Today!

We look forward to serving you for many years. Simply fill out the quote request form below to get started!

Alternatively, if you are only requesting home and/or auto insurance, you can get an instant quote right now!

Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input

request quote

request quote

Looking for home, auto, business, liability, or other types of insurance quotes? Request a quote today from Verrico Insurance Agency today by clicking the button above or calling ​412-856-5850!

dave ramsey

Verrico Insurance Agency is one of Dave Ramsey's Endorsed Local Providers!

COVID-19 Notice: Please Read

We would like everyone to know that our office is open and currently fully staffed. Different needs of clients will require varying accommodations, but we will strive to meet your needs. Please remember to review your policy and your insurance company website. They have also insured us they will do their best to accommodate clients during this time and have added payment options.

All employees are prepared to function remotely if needed. Clients will be able to be in communication with our office whether our physical office is closed or partly staffed. In all circumstances we will continue to monitor emails. If you are unable to reach us by telephone, please email and we will respond as soon as possible. 

We are taking precautions to ensure that our employees are making every effort to maintain safe and healthy behaviors, including sanitizing and hand-washing at every opportunity. Paramount in our minds is the safety of both our clients and our employees, so please know that we will strive for excellence at every turn.

Thank you, remain safe and please do not hesitate to contact us with any questions or concerns.

Thank you,
Tony Verrico
412-856-5850

logo

Verrico Insurance Agency Inc.

339 Old Haymaker Rd.
Monroeville, Pennsylvania 15146
412-856-5850
Office Hours
M-F 8:30 am - 5:00 pm