Whether you are planning a nice, relaxing trip over a holiday or a long vacation for a couple of weeks, you want to have the peace of mind that comes from knowing that your home and all your belongings will be safe and sound while you are away. So consider implementing the strategies outlined here, courtesy of Pizano Insurance serving the Wayzata, MN area, to maintain your home’s safety while you are out of town.
Using security cameras
So many people are installing and using security cameras at their homes these days. And for good reason: Those convenient devices serve a valuable purpose as they provide an added layer of security in and around your home. Shop around to find the camera that best suits your needs.
Turning off items
Turn off and unplug appliances and other electrical items before you go out of town. That includes electronic items, small appliances like toasters and lamps. It is smart to do this because you never know when those items could malfunction while you are out of town.
Before you go out of town, check all major appliances to make sure they are in good condition. You might consider unplugging certain items such as your clothes washer.
Monitoring your home
You might want to consider having a housesitter or neighbor keeping a close eye on your house while you are away. This is a simple step that can go a long way toward providing some extra security.
There are many ways to safeguard your home while you are away. Plan ahead before your trip and follow the tips outlined here. If you need more information or would like to make sure your home insurance needs are being met, feel free to contact Pizano Insurance serving the Wayzata, MN area.
You already know you have to carry liability insurance coverage. But how do you know that you have enough? And are state minimums acceptable or should you have more than that? Here’s a bit of information from our Pizano Insurance team to consider.
What Liability Insurance Covers
Liability insurance is considered a third-party coverage. This means that, if you’re in an at-fault accident, this type of coverage would help to pay for the other person’s vehicle, property, and/or medical bills. It is required by law and the basis of what you see on your policy documents.
Should You Have Higher Than State Minimum Limits?
The next question many people ask is whether they should have higher than state minimum limits. In most cases, the answer is yes. State minimum limits are designed to help provide just a small amount of financial help if you’re involved in a bare-bones at-fault accident.
If you’re in a serious accident with multiple vehicles, newer vehicles, or injuries, you would be responsible for everything over your liability limit. That’s why it is important to have a high enough limit in case this type of scenario happens.
And if you don’t have enough insurance coverage? You could be sued personally for everything the claim does not cover.
Before you raise your liability insurance coverage, it is important to first take into account your personal budget. A higher level of policy equates to a higher policy premium. However, it most cases the difference is only a few dollars a month. That’s why it is best to speak with your agent about your particular situation and budget before making the change.
Ready to learn more? Contact our team at Pizano Insurance team in Wayzata, MN to schedule a no-obligation
If you plan to host festivities in your Wayzata, MN home this holiday season, there’s no time like the present to prep your abode. The following ideas from Pizano Insurance can be helpful in getting your home ready to receive family and friends for the holidays.
Decluttering will improve the appearance of your home and make it more spacious for holiday events. Start with your foyer and proceed to the living room, stairs, kitchen, and dining room to remove clutter from bookshelves, ottomans, coffee table and counters. Get rid of unwanted items and store away what you want to keep for future use.
Ready Your Kitchen
Deep clean your kitchen to make it a pleasant environment for guests to congregate during the holidays. Clean counters, cabinets, appliances, and floor. Stock up on foods and snacks you’ll need for the holidays as well as party supplies (napkins, paper plates, paper towels.) Check your dinnerware, glasses, and utensils to ensure they’re in top shape for holiday service.
Prepare Guest Room
Wash guest sheets, blankets, comforters and towels well before house guests arrive so you won’t be caught unprepared. Clear out closet space for guests to hang up holiday clothing and empty a drawer for personal belongings. Scented candles and a bowl of holiday snacks add a finishing touch to welcome those you love.
Stock up Bathrooms
Stock up on toiletries, toilet paper, and paper towels and put them well within visitor reach. Purchase new bath mats and rugs, if needed, to enhance your décor. Tidy bathrooms right before guests arrive, so they will appear fresh and clean.
Updating your home insurance is an important part of preparing your home for the holidays. Dwelling, liability and contents coverage will protect you against the risk of holiday accidents. For comprehensive coverage at an affordable cost, call or visit Pizano Insurance in Wayzata, MN today.
Congratulations! You just tied the knot. Newlyweds have a lot of decisions to make when they get married, such as which Wayzata, MN home to reside in, how to combine their book collections, and how to pare down two sets of kitchenware into one. Most people choose to merge their auto insurance after marriage, too. While combining your insurance policies has some perks, like possible significant discounts and only one bill to pay, there’s a possibility some unpleasant surprises could be lurking in the details.
Why Should We Combine Auto Insurance After Marriage?
The simple answer is that it’s generally easier to pay just one insurer and to have one car insurance payment. If you do decide to combine auto policies, you can choose either of your current insurers or shop for a new one. If you do want to keep your policies separate, each of you should contact your insurer and notify them that you’re married, and add each other to your policies.
Is Auto Insurance Cheaper for Married Couples?
Because statistically, married drivers are involved in fewer collisions and file fewer claims, being married generally results in cheaper rates right off the bat. While discounts for married couples varies depending on the insurer, according to data compiled by Quadrant Information Services (QIS), the average discount a married couple enjoys is approximately 12 percent nationwide and continues as long as you stay married. Not a bad perk for simply saying “I do.”
Can My New Spouse Hurt My Auto Insurance Rates?
If both you and your spouse have good credit scores and excellent driving records, you’ll both get better rates. However, if you have an excellent driving record, your rates may rise if your new spouse has a bad driving record — even with the marriage discount. If they have a bad driving record, bad credit, or have been involved in multiple claims, you can expect your rates to increase.
If you’ve recently gotten married, you and your spouse need to review your insurance policies. Call the Wayzata, MN auto insurance experts at Pizano Insurance today for answers to all your insurance questions.
Comprehensive and collision coverage in Wayzata, MN, are added coverage you can have as part of your auto insurance policy.
Comprehensive coverage will pay for damage to your car from almost anything, except a traffic collision. This can include vandalism, weather, or other events outside of your control. While it’s not required by the state, you may be required to have comprehensive coverage if you are financing or leasing your vehicle. Comprehensive coverage will become less valuable as your vehicle depreciates since it likely won’t pay out more than your vehicle value. Consider the value of your car and your deductible when considering if you should have comprehensive coverage.
Collision coverage is designed to cover the replacement cost in case you are in an accident, whether it’s with a stationary object such as a tree or another driver. It may also be required if you are leasing or financing, just like comprehensive coverage in Wayzata, MN. Even if you aren’t required to have collision coverage, it still has some benefits. Consider if you are able to replace or repair your car without coverage. If you are not in the financial position then you need to have coverage. The cost of replacing your car goes beyond the actual dollar amount of getting it fixed. There is also the disruption to your daily life through the replacement and repair process. Your insurance company won’t be able to assist you if you don’t maintain coverage.
An agent at Pizano Insurance can help you find the right policy for your needs. If you want the benefits of comprehensive and collision coverage, you can have the highest deductible that will fit your budget. If you want to use comprehensive or collision coverage for only major damage then you can have a higher deductible.
Contact Pizano Insurance to get a quote on auto insurance.
You may have received a letter from your home insurance carrier telling you that they want you to do a particular repair. Are you required to do this repair just because they want you to? The simple answer to this question is yes since they can cancel your policy if you don’t comply. For the most part, if your insurance company tells you a repair is necessary it is best to do it as soon as possible. Pizano Insurance in Wayzata, MN will be happy to discuss this issue with you if you have questions.
Some repairs that insurance companies request may be the result of an inspection that was made of your home and others may be the result of a claim that you recently had. An issue may have come to light and they are within their rights to ask that this issue be corrected. However, sometimes the insurance companies can be a little too aggressive in their requests and it may be possible to delay if not totally avoid the repairs that they are demanding.
If they tell you that they will cancel your insurance if you don’t replace your roof, you may be able to get a contractor to do an inspection that can give you at least a little time. If you have a contract to have a repair done within a reasonable amount of time, say 6-8 months, the insurance company may be willing to work with you.
When it comes to home insurance companies, basically they hold all the cards. They have the insurance and you need it so that places you at a serious disadvantage when it comes to fighting them.
Pizano Insurance in Wayzata, MN is happy to discuss this and any other questions you may have about home insurance. Give their office a call by the office.
The idea of a vehicle that you can just command to go to a destination without having to constantly control is a beguiling one. Pizano Insurance serving Wayzata, MN provides some pros and cons for the still in development technology.
A driverless car would help the passengers free up time for other tasks, including conducting business on your mobile phone, watching content on a video screen, or even getting some extra sleep on the way to work. A driverless car will not engage in distracted or drunk driving. As part of a smart roads network, a driverless car would be able to map out the quickest route to a destination, avoiding traffic jams, accidents, and road construction. The technology will provide transportation options for people who would not be able to operate a motor vehicle, such as the elderly and people with vision problems.
Driverless cars have some drawbacks as well. Companies such as Google as well as a number of automobile manufacturers have been working on the technology for the past ten years and have yet to get all the bugs out. The problem of building a system, with computer navigation technology, that can do everything that a human driver can do has proven to be daunting. Some accidents, such as the one that temporarily halted Uber’s research and development program, have occurred. Other problems include how driverless cars, which always obey the traffic laws, will interact with vehicles with drivers who often do not as well as public acceptance of the technology. True driverless cars may be as much as ten years away from being common on the road.
For questions about driverless cars and all aspects of auto insurance, feel free to contact Pizano Insurance serving Wayzata, MN,
Home security systems offer homeowners peace of mind and the assurance that they have done everything they could to protect their home and family. The agents at Pizano Insurance encourage local homeowners in Wayzata, MN to do everything they can to protect their families and possessions. It’s up to you to decide whether you want a professionally monitored system or one you monitor on your own.
Self Monitoring Home Security Systems
Self-monitoring of home security systems are quite effective and are reasonably priced. While some do it yourself systems give you the option for professional monitoring, they are designed so that you can easily monitor them yourself from an app for your smartphone or through the system itself.
Professional systems tend to be more expensive and often require a contract. Most security companies offer 24-hour, professional monitoring that will notify local authorities in case of an emergency. They also offer professional installation and 24-hour customer service.
It’s up to you to decide how much time you want to spend monitoring your home security system or whether you want to pay for a professional monitoring system. Some home security companies allow you to pay for your service by the month and can turn it on and off at will.
In Wayzata, MN, you can discuss your home security options with an agent at Pizano Insurance. They have the knowledge an experience to help you make an informed decision when it comes to the right home security system for your home. Schedule an appointment by calling their office or visiting them online. They have the answers to your questions!
Protecting your home is an important task. You put effort into this by maintaining your property, having maintenance and repairs scheduled for heating and cooling systems, upgrading when needed, and taking pride in having a place to call your own. Life is unpredictable, however, and we never know what the future could bring. Fire, theft, and even a lawsuit could put your home in jeopardy. With the right home insurance in Wayzata, MN, you can have peace of mind knowing that whatever might happen, your insurance policy has you covered. If you’re in the market for a new home insurance policy or want to upgrade an existing one, here are three tips that will help you secure the right policy and save you money in the process.
1. Compare Several Quotes
No two insurance quotes are exactly the same. That’s why it’s always a good idea to compare many quotes before purchasing a policy. An agent from Pizano Insurance can help you go over the quotes to understand the coverage and cost and pick the right one for your needs.
2. Bundle Your Insurance Policies
Because Insurance Companies reward loyal customers, it’s a good idea to bundle your insurance policies under one carrier to get a discount on your premiums. This is a fast and easy way to save money on your home insurance.
3. Work with a Reputable Agent
To find the right home insurance policy for the best price, work with a reputable and experienced insurance agent who will help guide you through the process. This agent should be friendly, knowledgeable, and patiently answer all of your questions.
To purchase a home insurance policy in Wayzata, MN, contact Pizano Insurance today. Our friendly agents are standing by to take your call.
Brake failure is a problem that no driver in Wayzata, MN ever wants to experience. But if it happens to you and you aren’t sure what to do, you need to understand your insurance options fully. We at Pizano Insurance can help you better understand this to minimize your failure risk.
Insurance Would Cover Sudden Brake Failure
In almost every case, your insurance company will cover sudden brake failure that occurs while you are driving. Typically, they include failure that occurs due to manufacturer error or problems that are outside of your control. For example, a car that is later recalled for failed brakes would be covered by your policy.
After your accident occurs, you will need a mechanic – typically one is sent by your insurance company – to check why the brakes failed. If they find that the brakes failed through no fault of yours, you will get paid for the damage caused to your car.
Wear and Tear Damage May Not Be Covered
One common issue that may complicate your policy coverage is the exact cause of your brake failure. If the brake failed because of natural wear and tear that you could have prevented, there is a good chance that you may not get a policy coverage for your needs.
Why is that the case? Your insurance won’t cover that type of problem because they consider it your fault. You should have taken the car to the shop to get the brakes checked and could have prevented the failure. So be prepared for this issue if you find wear and tear caused your crash.
Let Us Help You
As you can see, the insurance information regarding brake failure can be quite confusing. As a result, if you live in Wayzata, MN and need help finding the best policy, please contact us at Pizano Insurance to learn the most about this process and how it can benefit your financial needs.