Max Ortoli, Sales Representative - 416.970.0352 - Email Me - Nikki Lobello, Sales Representative - 416.553.2008 - Email Me - Giancarlo Randazzo, Sales Representative    

       

 

 

 

 

 

Homeowner's Insurance

If you have any questions or would like more information about homeowners insurance please Contact Me.

Homeowner's InsuranceWhen buying a home, one word you will hear often is "insurance." As a homeowner you are concerned about protecting your house, your personal belongings and your personal liability. It is important that the coverage you choose provide the comprehensive protection that you need. Homeowner's insurance protects you and your house against losses from fire, theft, liability, vandalism, water damage, wind damage, tornadoes and loss of use. Earthquake and flood insurance are not included but can be purchased separately.

 

Types

There are three types of homeowner's policies to choose from. A clear understanding of the coverage each type offers will help you select the right policy for your needs. Each type carries a deductible amount you select.

  • A standard policy requires coverage for at least 80% of the value of your home, excluding land and the foundation. It will usually insure your personal property at actual cash value.

  • A broad-from policy is more inclusive than the standard policy and covers additional named perils such as glass breakage, smoke damage, etc.

  • An all-risk policy covers even more than do the standard and broad-form policies. An example of a covered risk might be damage caused to your roof from ice build-up in the gutters.

Insurance For Your HomeSome of these policies offer optional guaranteed replacement cost coverage on your home and its contents. Replacement cost coverage will pay to rebuild your home and replace its contents with no depreciation coming into play. It is important to understand that the replacement value of your home is based on your insurance company's estimate of the cost to rebuild your home on your property. It is not based on the purchase or appraised value of the home. Most policies have a built-in annual increase of replacement cost coverage.

 

Reducing Premiums

When purchasing homeowner's insurance, there are ways of lowering your premium. Most insurance companies offer discounts for smoke alarms, fire extinguishers, dead bolt locks, and whole-house alarm systems. If your home is fairly new, or if you elect to insure your automobiles with the same company, you are likely to receive a discount on your premium. Another way of lowering your premium is to select as high a deductible as you can afford. Raising your deductible reduces your premium. Insurance is the type of service you buy hoping that you will never have to use it. The right insurance can give you a sense of security in knowing that you are adequately protected.

 

  

 

 

 

MAX ORTOLI, Sales Representative

Prior to joining Homelife/Romano Realty Ltd., Brokerage, Max was a telecom analyst from 1993-2007 with Fortune 500 Companies, Invesco and PWC.

In 2007 Max began his full time real estate career. His goal is to add value and an enriching experience for both himself and his clients when buying or selling Real Estate. Having bought and sold several investment properties, Max has first-hand knowledge on the dynamics of working with investment properties as well as the intricacies of renovating homes. Max looks to serve clients with unsurpassed professionalism; as a result he has received a Certificate of Achievement award annually for his accomplishments. These awards exemplify Max’s strong personal commitment to Knowledge, Respect and Results for his clients and his career.

 

 

NIKKI LOBELLO, Sales Representative

Nikki Lobello received a Double Honours Bachelor Degree in French and Italian Studies from York University in 1999.

Prior to joining Homelife/Romano Realty Ltd., Brokerage, Nikki worked in the structured environment of the financial industry for 8 years. Having worked in the customer service sector her poise and perseverance left a lasting impression on those who worked with her and supervised her.

Nikki’s professionalism, warmth and approachability have made her an award winning Real Estate Salesperson. Her motivation and determination to succeed in this field have garnered her and her client’s successful results. Continuously seeking to improve her knowledge and skills, Nikki has completed the HomeLife University Education and Marketing Course and the SRES Designation (Seniors Real Estate Specialist). Her ability to connect, understand and surpass her client’s needs and expectations is an invaluable asset for all her clients.

 

 

GIANCARLO RANDAZZO, Sales Representative

Having earned a Bachelor of Arts in Philosophy with designations in Applied and Practical Ethics with an emphasis on business transactions in concert with a wealth of experience in customer and client-oriented services in the construction, hospitality, academic, and financial sectors, Giancarlo is committed and passionate about sustaining open and transparent relationships with an attention to detail in order to help others be more successful in navigating the real estate industry.

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