Monthly Archives: July 2025

Does Home Insurance Cover Appliances?

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We purchase home insurance to cover both the structure and the contents within. However, not everything that is a part of our home is inside our home. Major appliances that we rely on, like HVAC systems, are often located outside the home. This begs the question: Are appliances like HVAC systems covered under your home insurance policy? Let’s take a closer look at whether you can rely on your policy for support and how to find a policy that covers your whole home with Pizano Insurance in Wayzata, MN.

Will My Home Insurance Policy Cover Major Appliances?

In some cases, your home insurance will cover major appliances. For example, if a fire damages your home and this includes your HVAC system, your HVAC system would be covered because it was destroyed under the same conditions that your house is insured for. This principle applies to any circumstance in which your appliances are damaged under covered events. If your home is covered for it, these major appliances are likely covered as well.

However, as with all home insurance policies, there are exceptions. For instance, if your HVAC system has defects, breaks down due to natural wear and tear, or is damaged by a disaster like a flood or earthquake, it won’t be covered because your home is also excluded from these events. To ensure your major appliances are covered, make sure your home insurance policy includes coverage for the same types of damage and circumstances.

Shop Around for Home Insurance With Pizano Insurance

Finding the right home insurance policy can be tough, but we make it easy. The experts at Pizano Insurance in Wayzata, MN, can help you navigate the home insurance shopping process to find the right policy faster. Email an agent now to get your home insurance quotes!

How to Get Auto Insurance Reinstated

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If your auto insurance policy has lapsed—whether from a missed payment, paperwork issue, or something else—it’s crucial to get it reinstated as soon as possible. Drivers in Minnesota can often restore coverage with a few simple steps, but acting quickly makes all the difference. Pizano Insurance, serving Wayzata, MN, explains what to do.

Start by Finding Out What Went Wrong

The first thing you’ll want to do is reach out to your insurance agent or company to understand precisely why the policy ended. Was it because of a late payment, or did the insurer need updated information about your vehicle or driving record? Knowing the real reason helps you figure out the best path forward.

Move Fast to Limit the Gap

A short lapse is much easier to rectify than one that lasts for weeks. Many insurance companies have a grace period where you can catch up on payments or submit missing documents without starting over. The quicker you handle it, the better chance you’ll have of avoiding steep rate increases tied to gaps in coverage.

You May Need to Sign a No-Loss Statement

Insurers often ask you to sign a no-loss statement before reinstating a policy. This document says you didn’t have any accidents or claims while your insurance was inactive. Be sure it’s accurate—if you had a crash and fail to disclose it, you could face serious problems down the road.

Rates and Rules Could Change

Depending on how long your policy has been inactive, your insurance company may apply a surcharge or adjust your terms. If the lapse continues for too long, you may even need to consider a new provider. A Minnesota insurance agent can compare policies for you and help find one that gets you legally back on the road without unnecessary costs.

Taking care of reinstatement promptly protects you from legal trouble and financial headaches, allowing you to drive again with peace of mind. Contact Pizano Insurance, serving Wayzata, MN, to learn more.