The Wayzata, MN area continues to offer a lot of local amenities to people that live in the area. When you are here and intend to make this area of Minnesota a permanent home, buying your property instead of renting is almost always a great option. If you would like to purchase a property here, you should spend thinking about your insurance needs. There are several tips to follow that can help you to choose a home insurance policy.
The first factor to think about when you want to get a new home insurance policy is what your requirements will be. Most people in Wayzata that buy a home will also take out a mortgage. Anyone that has taken out a mortgage will also need to have the right insurance in place to satisfy their lender’s requirements. If you are going to get home insurance, you should check to make sure the policy complies with these required levels.
Personal Asset Coverage
Beyond providing coverage for your home, you will also receive coverage for your personal assets. When you do receive this coverage, it will give you a certain allotment to replace your personal items if they are damaged in a fire, bad weather, or stolen. If you have valuables that exceed this coverage, you should consider getting a policy rider to specifically cover these items.
As you are looking for home insurance in the Wayzata, MN area, you may find that there are a lot of decisions to make. The team at Pizano Insurance can make this easier for you. If you do call Pizano Insurance, you will get the support that is needed to build and choose a quality policy. This will give you great coverage and peace of mind.
Whether you drive for two hours a week or several miles a day, the roads in Wayzata, MN can be a stressful place to be. Being safe from season to season is not just a matter of taking a few precautions, but of implementing better habits that you can use day after day. Pizano Insurance is here to give you a few tips to get you ready for anything that might come your way.
Slow It Down
When you go a little slower, you have that much more time to react to unexpected surprises that are just around the bend. Animals, car crashes, and wayward pedestrians are really just the beginning of what could lie ahead. If you can stop in time, you can avoid tragedies. There’s no shame in letting people pass you, so give yourself permission to put safety over urgency.
Don’t Put Off Maintenance
Your tires need air, your brakes need pads, and your timing belt needs to be functional. Putting maintenance off is common for drivers in Wayzata, MN, either because of time or financial constraints, but your safety (and the safety of others) shouldn’t be negotiable. Even in the modern age where everyone has a cell phone, you can’t count on having service if you break down in the wrong spot.
Find the Right Partner
There are some things that drivers simply can’t avoid. Whether it’s car theft or a blown-out tire, all you can try to do is minimize rather than eliminate your risk. If you’re looking for an auto insurance policy that will help you breathe a little easier, call Pizano Insurance today. We can help you find auto insurance in Wayzata that will keep you protected.
Choosing your home insurance coverage is a big step in buying your home. You need to choose carefully to avoid costly mistakes. At Pizano Insurance, we can help you find the right home insurance option in Wayzata, MN.
The following are three home insurance mistakes it’s important to avoid when you buy a new home.
Failing to purchase enough coverage
Your home is going to be among your most valuable assets. Therefore, you need to make sure you protect it. Don’t try to save money by limiting the amount of coverage you buy for your home.
Ideally, you should invest in enough coverage to completely replace your home’s value in the event of a severe accident. You should also purchase enough home insurance coverage to protect your assets in the event of a liability lawsuit.
Being unaware of coverage limitations
Make sure you read the fine print so that you are aware of the limitations of your home insurance policy. There are certain things that a standard home insurance policy is not likely to cover. One example is flood damage. You need to purchase separate flood damage coverage for damage caused by floods to be covered.
Buying the cheapest available policy
You make a big investment in owning a home. You’ll put your investment at risk if you purchase cut-rate home insurance coverage.
Make sure that the home insurance policy you purchase is dependable. Purchasing the cheapest available policy could compromise your investment in your home and lead to huge financial loss in the event of an accident.
Are you on the market for home insurance in Wayzata, MN? Let us assist you with finding coverage for your home at Pizano Insurance. Contact us with your home insurance inquiries.
You may be in a position where you’re starting to worry about your battery. Do you need to replace it? Staying safe on the road is a priority and the agents at Pizano Insurance in Wayzata, MN are here to guide you and help you understand when you need to replace your car’s battery.
How Long Should Car Batteries Last?
A car’s battery should be replaced every 4 to 5 years, but sometimes there are significant issues with the battery that may cause you to replace it sooner. The battery is the heart of the vehicle. If it is not working correctly, then your vehicle will not run as smoothly as you’d like.
What Affects the Battery’s Life?
All batteries will deteriorate over time. Leaving your vehicle unused for long stretches could speed up its deterioration. If you go on vacation and leave your vehicle at home, you might think about letting a neighbor or family member drive it occasionally to keep the battery charged.
Heat is another big factor that can damage a car battery. If you live in southern states or where it is mostly desert, your battery could take on too much heat and begin to swell. If you notice this, change it immediately. Check it regularly if you live in areas where overheating may be a problem.
The length of time you had the battery is a factor to consider. If you’ve had it for more than 4 years and you notice that your vehicle is slow to turn over, then you’ll need to look into replacing the battery.
If you’re in Wayzata, MN and you want to speak with an agent about insurance for your vehicle, the stop by Pizano Insurance. They are ready to get you started today.
Pizano Insurance assists the Wayzata, MN community, as well as the surrounding communities by offering residents multiple types of insurance policies. As an independent insurance agency, we are able to use our relationships with multiple companies to help our clients. We strive to help our clients find the insurance coverage that they need to protect their assets and secure their futures.
Adapting Your Home Insurance To Deal With Winter
Your home is one of your most valuable possessions. That’s why it is important that you protect it. Home insurance gives you peace of mind that regardless of the challenges that arise in the future, you will be covered. Home insurance allows you to protect your physical property, as well as the possessions inside your home. As a Minnesota resident, you are aware of how difficult the winter season can be. The inclement weather has the ability to cause serious damage to your home. That’s why it is important that you pay attention to some of these factors.
One of the most serious threats to your home during the winter is cold snaps. Cold snaps have the ability to damage pipes and cause them to burst. The result is potentially serious water damage throughout your home.
Snow Buildup On Your Roof
Another issue during the winter is the accumulation of snow on your roof. Snow buildup can cause water to start leaking throughout your home. The buildup may also clog your gutters, which can cause damage to the ceiling and wall. During extreme cases, the show buildup on your roof may cause your roof to cave in. Make sure that you have your roof inspected before the winter season starts to make sure that everything is secure.
Pizano Insurance Will Assist You
Navigating the harsh winters in Wayzata, MN can be difficult. Visit our website today to learn more about how we can help protect your investment.
For most people that live in the Wayzata, MN area, owning a car is needed in order for you to get around town. If you do own a car here, it is important to remember that it is a very important responsibility. One responsibility that all people who own a car here have is the need to get a quality auto insurance policy. There are several reasons why you need to get an auto insurance policy when you are here.
Insurance Ensures Legal Compliance
One important reason to get auto insurance when you are in Wayzata is that it can ensure you remain in legal compliance. Those that are all over the state of Minnesota need to fully understand their legal obligations when it comes to driving. One important task that all people need to do is get auto insurance and maintain coverage. At a minimum, this needs to provide you with adequate levels of liability insurance.
Insurance Covers Asset
You will also need to get auto insurance if you want to cover your asset. The purchase of a vehicle is a big one and investing in a quality insurance policy is a good investment. When you are looking for a new policy, you should look for one that offers collision and comprehensive protection. These levels of insurance will give you protection for virtually any situation that could result in a loss.
There are a lot of reasons why someone in Wayzata, MN should get auto insurance. When you are looking for your next policy, you should call Pizano Insurance. If you do reach out to Pizano Insurance, you can receive some very valuable guidance and support. The team here will help you to find and choose a policy that will properly protect you and your vehicle.
Many people never want to have to deal with a disaster and the insurance of their home. It is something that can be unpleasant, to say the least. Hurricanes, floods, vandalism, among other events, can be unpredictable and unpreventable so having quality insurance is very important for such a big investment as your home.
Having an insurance provider you can trust is crucial if something major happens. That is why choosing a company that will look out for you. Pizano Insurance of Wayzata, MN has reliable agents who will take the time to get to know what your insurance needs are.
Beginning Stages of a Claim
If your home is damaged by an accident that was unforeseen, you are eligible to file a claim to cover expenses to repair your home. There is not a guarantee the claim will be approved, but the process must be started and your information collected. General repairs from age are not considered under a claim as they are not accidental in nature. You will need to contact your provider for more information during this process.
The Claim Process
Your insurance company might refer you to a damage repair company as a temporary measure to prevent further problems. Investigations must be made and an adjuster will be involved in the process. The insurance company will determine if a claim is to be paid. This payment can happen in different ways depending on your provider and conditions. It is good to have a trusted insurance company you can rely on during this whole procedure.
If you need help selecting the best home insurance policy, Pizano Insurance of Wayzata, MN can help. We have experienced agents who can answer your questions about policies and claims processes. Give us a call to schedule an appointment to speak to one of our representatives today.
Auto insurance can be difficult to understand, especially if you have never purchased it before. There are also many misconceptions and myths about car insurance that make it even more complicated. In order to help you make an informed decision, Pizano Insurance serving Wayzata, MN, and other surrounding communities has prepared the list of the most common auto insurance myths that everyone should know:
- The color of a car affects the cost of insurance. Despite this common misconception, the color of your car does not affect your premium. There are other factors affecting the cost of insurance, including the vehicle’s model, age, body type, engine size, the car’s safety features, and rating, and some others.
- Older drivers pay more for car insurance. Auto insurance does not go up with age. Actually, it is often just the opposite. Many drivers at the age of 55 and older can be qualified for discounts if they complete an accident prevention course successfully.
- Getting a traffic violation increases the cost of your insurance. In fact, getting a traffic violation does not always increase your premium, especially if the violation was minor. If you want to keep your auto insurance at the same price, you need to maintain a clean driving record following the violation.
- It costs more to insure expensive cars. The price of your car does not necessarily affect your insurance costs. However, if your car is costly to repair, then your insurance will be more expensive.
There are many myths that make auto insurance so complicated to understand. If you are a resident of Wayzata, MN and you have doubts about car insurance, Pizano Insurance is ready to help and answer all the questions you may have. Do not hesitate to call us and let our experienced agents help you find a policy you and your vehicle deserve.
Losing items in a fire or a burglary can be frustrating, and especially frustrating when you have not yet added those items to your home insurance inventory. Fortunately, Wayzata, MN can be somewhat flexible in these matters, but you need to exercise some caution and common sense here.
If you can prove that you owned the items in question and simply hadn’t added them to your inventory yet, you may be able to file a claim for them. If you have photographic or video evidence, your adjuster may be willing to take that into account even if you never sent receipts directly to your insurer. Home insurance companies understand that it’s hard to fully plan for an emergency, and a fire isn’t always going to happen right after your most recent inventory.
But there is no guarantee that your insurance company will cover these items, and claiming items that you cannot prove you owned may even have your insurer suspecting fraud.
The best way to make sure that this doesn’t happen:
- Keep your receipts somewhere safe.
- Update your inventory often. Every six to twelve months, and after every major purchase.
- Keep documentation. Keep your receipts together, take photos, capture videos, and make sure that you can prove it.
And remember that an insurance adjustment isn’t a negotiation. Many homeowners assume that their adjuster will lowball them, so they claim a higher number than the actual value of the damaged or lost goods. Don’t do this. Just tell them what you lost and what it was worth.
If you are still shopping around for an insurer for your Wayzata, MN home, get in touch with Pizano Insurance by phone or through the Pizano Insurance website.
Teens can be stressful. When teens start driving parents may worry about a host of things. One consideration parents should keep in mind is the importance of adding their teens to their insurance. This is a big step in life for both the parent and the child. At Pizano Insurance serving Wayzata, MN, we know how important these decisions are. Keep reading to learn what you need to know about adding teens to your insurance.
When Should I Add My Teen To My Insurance
The legal requirement of adding a teen to your insurance may vary from state to state. However, to be on the safe side, you will want to speak with an insurance representative. They can help you understand legal requirements and make sure you time this change wisely.
What Can I Expect After Adding a Teen
In many cases, rates do increase after adding a teen driver. This is unavoidable as young drivers are simply riskier to insure than older more experienced drivers. These costs can be offset to some degree with good student discounts. In some cases students with a certain grade point average can enjoy discounts on auto insurance.
Continue Their Driving Education
You child will likely have undergone driver’s ed, but many experts agree that drivers education should continue beyond the classroom. In order to make sure your teen is truly road-ready, keep the education going with frequent driving lessons. These can be conducted either with an instructor or simply with a dependable driver that the teen is comfortable with. The point is to continue their education for as long as possible also making sure they are getting plenty of experience.
If you would like to learn more about teen driving safety, please contact our friendly staff at Pizano Insurance serving Wayzata, MN.