Monthly Archives: November 2025

Do You Need To Update Your Homeowners Insurance Policy When You Buy a Hot Tub?

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Adding a hot tub to your home is a great way to relax, entertain, and enjoy your outdoor space year-round. But before you take the plunge, it’s important to understand how it can affect your homeowners insurance. Updating your policy ensures you’re protected against any resulting risks or liabilities.

Why Your Policy May Need an Update

A hot tub increases the value of your property and your liability exposure. If someone slips, falls, or gets injured while using it, you could be held responsible. Standard homeowners insurance may not automatically cover such incidents, so informing your insurance agent is essential.

Property Coverage Considerations

Your hot tub is considered part of your home’s structure or personal property, depending on whether it’s built-in or portable. You’ll want to confirm that your dwelling or personal property coverage limits are high enough to repair or replace it if it’s damaged by a fire, storm, or vandalism.

Liability and Safety Measures

Liability coverage helps protect you if a guest is injured in or around your hot tub. Many insurers require safety features such as locking covers, fencing, or signage to maintain coverage.

Check With Your Insurance Agent

Before installation, contact your insurance agent to review your current policy. They can help you update your coverage and ensure your new backyard retreat is fully protected.

Pizano Insurance: Proud To Serve Wayzata, MN

At Pizaon Insurance, we’re proud to serve the Wayzata, MN area, and we’re here for all of your home insurance needs. Contact our team to learn more.

Does Auto Insurance Cost More If You Have a Red Car?

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For years, a saying has circulated throughout Wayzata, MN, that auto insurance costs more for red cars. It has led people to believe that they can save more money by purchasing or leasing a blue or black car instead. Is there any truth to this?

Does Color Impact Your Insurance Premiums?

Although many people believe that red cars are more expensive, this is not true. The color of your car doesn’t impact how much your insurance costs. It doesn’t matter if a Corvette is red or white, or whether you have a red minivan. Instead, insurance companies look at several other factors. You can contact an agent at Pizano Insurance if you want to double-check. 

Factors That Can Impact Your Insurance

Companies will consider several factors, some of which may impact your premium. However, it’s important to know that these factors can vary depending on the company. 

Education Level

Some companies will ask about your highest level of education. People who have completed a college education may qualify for a discount. Some companies also offer student discounts to individuals currently enrolled in school. 

Age

Companies often consider how old you are and how much driving experience you have. A person who has been a licensed driver with zero violations for 40 years may get a lower rate than someone who just got their license and is still a teenager. 

Car Specifics

Companies will ask about the make and model of a vehicle. They’ll consider safety features and other specifics that pertain to the make, model, and year of your vehicle. The color usually doesn’t impact the policy. 

It’s essential to note that every company is unique and offers different discounts. An agent at Pizano Insurance can help you learn more about factors that impact your premium. We’re currently serving the Wayzata, MN, area.