Adding Household Members

Most insurance companies require you to add all household members of driving age to your policy, even if they do not have a driver’s license. This includes teenagers who have recently reached driving age. However, you can add drivers as excluded drivers. Excluded drivers typically do not impact your insurance policy. Speak with an agent at Pizano Insurance to understand how adding specific drivers may affect your policy and premium.

Companies Vary

It is important to note that insurance companies vary in their approach to this policy. Some may automatically add household members once they reach a certain age, which could lead to an increase in premiums unless they are excluded drivers. Additionally, some companies may not allow you to exclude certain drivers. Always consult your insurance provider to ensure you understand how your policy applies to children and other household members.

Why Is This Necessary?

This rule may seem minor, but it serves several important purposes. Adding all household members ensures that a driver is not involved in an accident without insurance coverage. For example, if someone uses your car for a quick trip and they are not listed on your policy, they could get into an accident. This could result in penalties for you and a higher monthly premium. It is also illegal.

Insurance companies will work with you to ensure you meet the necessary requirements. Contact an agent at Pizano Insurance to learn more about our services. We proudly serve the Wayzata, MN area.

Home insurance in Wayzata, MN provides coverage to help protect your finances during unexpected events. While many people associate home insurance with coverage for fires or natural disasters, it is equally important to understand whether your policy covers theft before something is stolen.

Common Coverage

Most home insurance policies cover items stolen from within the home, with certain exceptions. They may also cover damage caused during a break-in, such as broken windows or damaged doorframes. However, it is crucial to speak with an agent at Pizano Insurance to understand the specific details of your policy.

Detached Structure Coverage

Many policies do not cover items stolen from detached structures, such as sheds or garages. Coverage for these areas is typically included under the "additional structures" portion of your policy. Be sure to review this section with your insurance agent to confirm what is covered.

Policy Limits

Every policy has limits on how much the insurance company will reimburse you for stolen items. If the value of stolen items exceeds these limits, you will need to cover the difference out of pocket. Additionally, some policies impose specific limits on high-theft items, such as jewelry or electronics. Consult your agent to ensure your policy provides adequate coverage for your belongings.

Expensive Items

If you own expensive items, it is wise to consult with your insurance representative to determine if additional coverage is necessary. Policies often vary by company, so it is best to discuss your options with an agent from your insurance provider. Many companies offer additional coverage for purchase or allow you to increase your personal property limit.

Deductibles

Most home insurance policies include a deductible, which is the amount you must pay out of pocket before your insurance coverage applies. Deductible amounts can vary depending on your policy, so it is important to understand your deductible before experiencing a break-in.

The experienced agents at Pizano Insurance can help you learn more about your policy, including theft coverage and deductible details. Contact us today to learn more. We proudly serve the Wayzata, MN area.

Monthly Archives: October 2025

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