Preparing your home for the summer season

The weather is heating up, and it’s time to start thinking about preparing your home for summer. Summer involves a lot more time outside and entertaining. It involves lots of sunshine and the need to stay cool and protected. Owning a home involves lots of upkeep and the summer is no exception. At Pizano Insurance in Wayzata, MN we are here to lower your stress level with one-stop insurance shopping. As an independent agency, we provide our customers with access to multiple carriers which allows them more choices. 

Service your AC

When the temperature rises, it’s time to turn on the air conditioning. If you have a central ac unit, it’s time to get your yearly check-up. Nothing is worse than having your system stop working in the steamy heat. Yearly maintenance can keep your system operating at peak performance and extend the life of your unit. 


If you have trees on your property winter can be tough on them. Look for damage, if you find some it is time to get an Arborist in to check the health of your trees. You may need some limbs trimmed or removed. Falling branches pose a safety hazard to you, your guest, and your property.

Make sure gutters are clear

Summer can bring heavy rain, and it is important that your gutters and downspouts are running freely. Check to make sure that the water is being directed away from your home to avoid foundation issues. 

Service your lawn moving equipment 

If you maintain your own lawn, preparing for summer means getting out the mower and the weed whacker and making sure they are working well and that you have enough line for the whacked. 

Summer is a time to relax and enjoy the outdoors, if you need to discuss your home insurance give us a call at us at Pizano Insurance in Wayzata, MN. 

Auto insurance additions you may want to consider

Auto insurance is not just one type of coverage, it is several types of coverage. Some of them are mandated by the state and others by lenders. Some are additions that may be added to your policy if they can be of benefit. At Pizano Insurance in Wayzata, MN, we are an independent agency that provides our customers with the benefit of our years of experience. We offer many choices of carriers which allows us to get the best possible rates. 

Gap coverage– Gap coverage will pay the difference between the depreciated value of your vehicle and the amount you owe on your auto loan. Vehicles depreciate very quickly and if your accident or theft happens within a few months of purchase you could be way underwater. 

Roadside assistance– Many people have roadside assistance coverage through companies like AAA. These cost quite a lot more than a similar overage that may be available through your insurance carrier. It includes towing as well as other services such as tire changing and jumping your battery if your car won’t start. 

Car rental insurance– If your vehicle is damaged in an accident, you will need to have something to drive in the interim. With car rental insurance you will be able to rent a vehicle while your vehicle is in repair or until it is determined to be a complete loss. 

Full glass replacement-Glass coverage may be included with your comprehensive coverage but if it is not, it is worth having. No one wants to have to drive around with a damaged windshield or broken window. This coverage is provided without a deductible and the repair people can even come to you at home or at your job. 

If you are looking for a new carrier or a new agent in Wayzata, MN, Pizano Insurance has an exceptional team that can help you. 

4 Things Covered by Home Insurance

If you own a home in Wayzata, MN, it’s a smart choice to understand home insurance to ensure that your hard-earned investment is protected against perils like theft, fire, vandalism, lightning, and so forth. While homeowners’ needs are different, home insurance from Pizano Insurance is likely to cover you in the below areas.

Structural coverage

If your home is destroyed by fire, hurricane, lightning, hail, or any other covered peril, home insurance pays for damages or the cost of rebuilding your home. Detached structures like gazebos and sheds are also covered in case of damage.

However, typical home insurance may not protect your home against flood and earthquake damage. As a result, talk to your agent to purchase separate covers. 

Personal belongings coverage

If stolen or destroyed, home insurance pays for the loss or damage to personal assets like electronics, clothing, and furniture. In light of this, conducting a home inventory is vital to ensure that all your valuables are included in the home insurance coverage plan. 

However, home insurance offers limited coverage to high-value items like jewelry, fur, and silverware. That said, talk to your agent to acquire extra protection.

Liability protection

Suppose your dog bites a neighbor? Or perhaps your son causes bodily injury to your neighbor’s child? Without home insurance, you could be facing expensive financial liabilities. The liability coverage in your home insurance pays for legal costs, medical costs, and property damage for losses caused to other people. 

Pro-tip: If you want more liability coverage than what is offered in your home insurance, consider umbrella insurance for broader coverage.

Additional living expenses (ALE) coverage

If a covered peril destroys your home and becomes inhabitable, home insurance ALE coverage pays for costs above your average living expenses. These expenses include hotel meals and accommodation. 

Next steps: Are you about to own a home in Wayzata, MN? Don’t forget to purchase home insurance from Pizano Insurance. Contact us today for an affordable home insurance plan.

What is Full coverage Car Insurance?

As a car owner in Wayzata, MN, you’ve probably come across the term full coverage insurance. Generally, there is no auto insurance cover that covers everything. It is just a term that is used to describe a combination of coverage that protects you against the state requirements and personal insurance needs. According to Pizano Insurance, there are a few insurance requirements that are usually considered as full coverage car insurance.

Liability Insurance

Liability insurance is a third-party policy that covers all the damages and injuries caused to the other person. In this case, if you cause an accident, you’re liable for medical and repair expenses caused to the other driver. You cannot drive on most American roads without liability insurance because it is a requirement of almost every other state. 

Collision Insurance

Collision insurance is specifically meant for you. It helps in covering your car in case of an accident. This policy helps you in instances where you’re are at fault in an accident. The other party will not be required to pay for the repair expenses you’ll incur. Collision insurance also expands to other repair requirements. It may cover damages caused by objects other than vehicles on the road where you’re at fault.

Comprehensive Insurance

This is one of the most robust insurance policies out there in the country. It covers everything. In essence, comprehensive insurance can be regarded as full coverage auto insurance. Unfortunately, most auto owners do not have a comprehensive insurance policy. It is a costly cover that many people may not be able to sustain.

Can You Get Full Coverage Auto Insurance?

In Wayzata MN, Pizano Insurance can help you get an auto insurance policy that covers everything you may need. However, it will be challenging to get a cover that can address all your auto insurance requirements.

Are you looking for full coverage auto insurance in Wayzata, MN? Contact us for immediate assistance.

The importance of keeping a home inventory

The importance of keeping a home inventory 

While buying home insurance seems to be one of the best ways to protect your home and valuables, creating an inventory makes filing a claim much easier and efficient. For instance, if thieves broke into your Wayzata, MN home and made away with several items. How will you convince your insurance provider that you owned them? It can be tedious and time-consuming, which is why Pizano Insurance recommends creating and updating your inventory.

It makes filing a claim faster and easier

The last thing you want is a back and forth game with your home insurance company after a disaster strikes your home. What you need and deserve is a smooth transition that will help you get back to your normal life as soon as possible. Without an inventory, your insurance company may have a difficult time believing your word of mouth.

It helps you buy the right amount of insurance

 How will you buy the correct amount of home insurance if you don’t know what you have? When you shop around for a home insurance policy in Wayzata, MN, very few companies can accurately estimate your home insurance value without calculating the value of your belongings. Therefore, you may end up over-insuring or underinsuring your home. Some companies can also take advantage of that fact and add coverages that you don’t need. However, when you have a correctly updated inventory, you can have a more productive conversation with your insurance company.

An inventory helps when applying for financial assistance

Following a catastrophic event, there is only one way to determine whether you qualify for disaster assistance or tax break—substantiating your financial losses. An updated inventory can be quite helpful in such a process.

Not sure where to start? Pizano Insurance can help you analyze your insurance needs and help you determine how to protect your possessions effectively. Call us today!

Auto Insurance Requirements in Wayzata, MN

If you live in Wayzata, MN, you should be familiar with auto insurance requirements in the state of Minnesota. Insurance professionals, such as the ones who work with Pizano Insurance, can potentially help you if you are seeking information.

As is the case in most states, if you live or drive in Minnesota, you need to have auto insurance coverage. This is necessary if you want to register and drive a vehicle anywhere in this state. You will need to have coverage for the following: bodily injury to others, property damage liability, uninsured motorists, and underinsured motorists. There are minimum amounts of coverage that you are required to have, but the majority of people will opt for higher amounts, in order to provide themselves with all the protection they need in the event of an accident or mishap. You also need personal injury protection or PIP. The car insurance requirements in Minnesota are relatively extensive when compared to other states.

There is also an alternative for people in Minnesota who have been denied auto insurance on the open market. If this has happened within the past 60 days, they can apply for coverage via the Minnesota Automobile Insurance Plan. This is a network of insurers that is meant to be of assistance to high-risk drivers. It helps them secure coverage at price levels that have been firmly established. This can be a very useful option to people who do not have the ability to obtain car insurance another way in the state of Minnesota.

If you live in the city of Wayzata, MN and are interested in learning more about auto insurance, you should contact the professionals at Pizano Insurance. They will be able to answer questions that you may have and potentially point you in the right direction in terms of choosing an auto insurance policy for yourself.

3 Things You Might Not Know About Home Insurance

Buying your first home in Wayzata, MN? Before you call Pizano Insurance, there are a few things that you might not know about home insurance, but you should. Let’s get started.

  1. Home insurance protects your valuables even when they’re not in your home. This means that if you have something stolen from your car or truck, for example, then it would be your home insurance that covers the losses, not your auto insurance. So even if you’re visiting a friend and have your items stolen when their home is broken into, your home insurance policy has you covered.
  2. Home insurance typically does not cover flooding. For this, you will need to look into flood insurance. Long story short: Flood insurance is intertwined with other factors like FEMA and government disaster relief, so most home insurers don’t cover it.
  3. Foundation repair is covered by home insurance, but it depends on the cause. Collapse due to the weight of snow and ice on your roof would be covered, as would windstorms, explosions, and falling objects. Earthquakes, floods, poor construction, or pressure from tree roots would typically not be covered. This is basically the rule in home insurance: It’s not so much which parts of your home are or are not covered, it’s the specific hazards that may or may not be covered. Read your policy o that you know what is covered and isn’t covered.

There’s plenty more to learn about home insurance in Wayzata, MN, so if you have any questions, or if you’re looking to get protected, get in touch with Pizano Insurance and see what they can do for you.

Required Auto Insurance in Minnesota

In Minnesota, there are many different kinds of auto insurance that are required for all drivers. However, the required coverages don’t cover everything, so it’s recommended to add other types of coverage to the mandatory minimums. If you need auto insurance, call us at Pizano Insurance in Wayzata, MN.

Auto Coverage

Minnesota law requires that you have a specific minimum amount of coverage for bodily injury for a person who was injured in an accident and another required minimum for all of the injuries that happen in an accident. There is another minimum amount required for the damage caused to someone else’s property. These coverage types are all forms of liability coverage that protect you financially if you were to cause an accident that includes injuries and damage to the other person’s vehicle. 

Coverage for Uninsured and Underinsured Motorists

This type of insurance will cover you if you have an accident that was caused by someone without insurance or with too little insurance. There is a set minimum amount of bodily injury coverage that you must have to meet this requirement. It pays for both your body injuries and the injuries to your passengers.

Personal Injury Protection

This type of auto coverage pays for your medical bills when you are injured in an accident. It also reimburses you for some of your lost wages as you recover from your injuries. It can also pay for essential services that you need during that time. There is a set minimum amount of this coverage type that you have to keep.

Call and Talk to an Agent

To make your appointment to talk with an agent about your auto insurance needs, call us today at Pizano Insurance in Wayzata, MN.

Home Insurance Can Protect Your Biggest Asset

For anyone who’s a homeowner, having a proper level of coverage is very important. If you’re in the Wayzata, MN area and need home insurance, Pizano Insurance can help. Our knowledgeable agents understand that everyone is different, and one policy doesn’t fit all situations. Because of that, we have a number of different types and levels of coverage you can explore. With a dedicated staff that wants to ensure that you have the right policy for your needs, you can get the help and support you’re looking for from us. There’s no reason to settle for less than full protection for your biggest asset.

A home is more than just a place to put your things. It’s where family and friends get together for food and fun. It’s a place to relax and be peaceful after a long day at work. There are so many things that go into making a house truly a home, and one of them is the peace of mind that comes with proper insurance protection. Whether it’s your first house or you’ve owned a lot of them over the years, feeling safe and secure their matters. That’s easier to do with a good insurance policy.

Reach out to us today at Pizano Insurance, and let us help you find the home insurance policy that works for your needs. If you’re in the Wayzata MN area, we can work with you on a quality policy to give your house good protection for the long term. We’re also happy to answer any questions you have about your home’s insurance needs and to update an existing policy if there are changes that need to be made. Having options is important, and we’re dedicated to making sure our customers have the opportunity to choose policies that truly work for them.

Is auto insurance in Minnesota needed?

In the Wayzata, MN area, owning a car is a good idea. Those that have a car at all times will find that it is a lot easier to get around their town. While there are benefits that come with owning a car, there are also responsibilities that need to be met. There are a few different times when someone here is going to need to have auto insurance. 

Insurance Necessary for Legal Compliance

One of the reasons that you will need auto insurance in this state is that it is needed to comply with legal requirements. In Minnesota, all drivers need to have liability insurance coverage at all times. When all drivers have this, it ensures that they will be able to cover damages caused during an accident. Those that do not get this coverage and are caught could face still penalization.

Insurance Needed to Cover Vehicle

If you go out and buy a car, you are going to be making a big investment that you should protect as well as possible. A great way that you can protect this investment is by getting a full insurance plan. If you get collision and comprehensive protection, you will receive coverage to repair or replace your car. In any situation when you take out an auto loan, your lender will want you to maintain full coverage as well.

There are many situations when someone that is in the Wayzata, MN area will need to have auto insurance. If you do get a car here, it would be a good idea for you to call Pizano Insurance. The team with Pizano Insurance understands the value of this coverage and can help you build a new insurance plan. This will ensure you are protected and meet all of your insurance obligations.