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Dwelling Insurance

Sprezzatura Insurance Group will insure that the most well rounded, and cost effective program will be in place in order to assure all of our client’s needs.

The Private Client Division’s main objective is to create a one stop shop for all of your personal lines requirements. We will insure that all your personal belongings ranging from: Homes, Automobiles, Jewelry, Fine Arts, Personal Aviation, Yachts and Umbrella are in place to protect you from any risk you may encounter.

Sprezzatura Insurance Group will work 24-hours a day, 365 days a year.

Coverage’s available

  • Single Family Home-Owner
  • Tennant Insurance Policy
  • Unite Owner (Condominium & Town Houses Associations)

Traditional Functions and Applications of a Homeowners Insurance Program:

Coverage A

  • Attached Structured (Except connected by fence or utility lines, which will be covered under Other Structure.)

Coverage B

  • 10% of Coverage A (Under a typical HO no more than 10% of the property value will be provided as an additional limit for Other Structures.)
  • Structure not attached to Main Dwelling
  • Structure Attached by Fence or Utility Line

Coverage C

  • 50% of Coverage A
  • Owned by the insured
  • Used by the insured (Rented or Borrowed)
  • Property of others at the residence premises
  • Property of guests
  • Property usually located at another residence is limited to 10% of Coverage C (Summer Home’s, Seasonal Residence, and College Student.)
  • The 10% limitation usually does not apply when insured purchase a new residence for the first 30days.

Coverage D

  • Additional Living Expenses
  • Fair Rental Value
  • Civil Authority
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