Understanding When Add-Ons to Your Home Insurance Policy are Necessary

Homeowners’ insurance policies don’t always offer the complete coverage your home needs. But you may have additional concerns you’ll need to manage with add-ons. Before you make any changes to your setup, you must understand when add-ons are necessary.

Consider Your Home’s Unique Needs

Take into consideration the potential risks that your home poses. Basements are a common source of concern, as they are either a continuation of your living space or often used for storage, and they are also a common place for flooding. 

Understand Potential Risks

Ensure your homeowners’ insurance includes flood damage, and, if necessary, use it as an add-on. Nobody plans for their home to flood, but that doesn’t stop it from happening. Therefore, taking precautions is crucial. 

Where are your utility lines located? If they’re underground, you’ll be held responsible if any damage occurs to them on your property. Issues caused by the age of the lines and even tree roots can lead to expensive problems that your homeowners’ policy might not cover. 

Over time, roofs become damaged and often need to be partially or fully replaced. Inclement weather and age are the biggest culprits. If you need your roof restored, you also might face that your insurance doesn’t cover matching, meaning that you will be left with mismatched sections if a perfect match for the materials isn’t available. 

Expert Guidance with Pizano Insurance 

At Pizano Insurance in Wayzata, MN, we know how stressful picking the best plan for your home can be. You have to make many considerations, and navigating it alone is overwhelming. That’s why we put our clients first, focusing on your needs so you can feel at ease.

To learn more about add-ons to your policy, call Pizano Insurance in Wayzata, MN at (763) 219-4114. 

Beyond the Basics: Understanding the Different Types of Auto Insurance Coverage

Regarding auto insurance coverage, it’s essential to understand that many different coverage options are available. Whether you’re a new driver or a seasoned veteran in the Wayzata, MN area, you need to understand the different types of coverage available from Pizano Insurance.

Liability Coverage

Auto insurance is an essential tool for protecting yourself and your finances in case of accidents on the road. Liability coverage, in particular, is among the most fundamental types of auto insurance coverage available. This kind of coverage safeguards you from legal and financial obligations that may arise after accidents that result in bodily injury or property damage to a third-party. 

Personal Injury Coverage

Personal injury coverage is another type of auto insurance designed to protect you if you are injured in an accident. This type of coverage typically includes medical expenses, lost wages, and other related expenses due to an accident.

Collision Coverage

Collision coverage is another sort of auto insurance coverage designed to protect you if your vehicle is damaged in a collision with another car or object. This kind of coverage generally covers the cost of repairing or replacing your vehicle, regardless of who is at fault.

Comprehensive Coverage

Comprehensive coverage is the final significant kind of auto insurance coverage designed to protect you if your vehicle is damaged in a non-collision-related event, such as theft, vandalism, or a natural disaster. This type of coverage often covers the cost of repairing or replacing your vehicle and may include coverage for things like rental car expenses and towing.

Understanding the different types of auto insurance coverage available to you in the Wayzata, MN area is an integral part of being a responsible driver. At Pizano Insurance, we are committed to helping clients find coverage options to suit their needs. If you have any questions or want more information about the different types of auto insurance coverage available, please don’t hesitate to contact us today.