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.