Monthly Archives: January 2026

Why Regular Home Insurance Reviews Matter

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Homeowners insurance is not a “set it and forget it” purchase. As your home, lifestyle, and financial situation change over time, your insurance coverage should evolve as well. Regular policy reviews help ensure your protection keeps pace with those changes.

Life Changes Can Affect Coverage Needs

Major life events such as renovations, home additions, or the purchase of high-value items can significantly alter your coverage requirements. Even smaller changes, like working from home or acquiring new electronics, can affect risk exposure. Without reviewing your policy, you may unknowingly be underinsured.

Property Values and Rebuilding Costs Change

Construction costs, labor rates, and material prices tend to rise over time. If your dwelling limit is based on outdated estimates, it may not be enough to rebuild your home after a total loss. Regular reviews allow adjustments to reflect current rebuilding costs rather than relying on old valuations.

New Risks and Coverage Gaps

Changes in your surroundings can introduce new risks. A new pool, trampoline, or increased neighborhood development can affect liability exposure. Policy reviews help identify gaps and determine whether endorsements or higher limits are needed to maintain adequate protection.

Discounts and Policy Improvements

Insurance carriers frequently update their offerings. Reviewing your policy may uncover new discounts for safety features, bundled coverage, or claims-free history. You may also find better coverage options that were not available when you first purchased your policy.

Keeping Coverage Aligned With Your Financial Goals

As your savings and assets grow, protecting them becomes more important. Regular insurance reviews ensure your liability limits and optional coverages, such as umbrella policies, align with your long-term financial goals and risk tolerance.

Pizano Insurance: Here To Meet the Insurance Needs of Wayzata, MN

At Pizano Insurance, we’re proud to serve Wayzata, MN and the surrounding areas. We’re here to help you keep your home safe. Reach out to our team today to schedule an appointment and learn more about our policy options.

Does Auto Insurance Cover Vandalism?

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Maybe it was the vengeful ex or bored teens or someone who didn’t like your Vikings bumper sticker. In any case, your vehicle was vandalized. This could mean graffiti, a keyed paint job, smashed windows or mirrors, or slashed tires. Will your auto insurance cover it? If you have comprehensive coverage, then yes, it most likely will. It will pay for damages minus your deductible. Do keep in mind that you will need to take photos immediately of the damage and file a police report in order to collect them. Because vandalism doesn’t fall under liability, you will need to have comprehensive coverage as part of your policy. Comprehensive coverage not only covers vandalism and theft but also damage from natural disasters and other events such as fire or hitting a deer. 

What To Do if Your Vehicle Is Vandalized 

First, you should keep in mind that if the repair cost is less than your deductible, it isn’t worth the trouble. Double check. Is that paint or something that will hose off easily? If you’re sure this isn’t something that can be fixed with a little soap and water, you should call the police. Your insurer will require you to have a police report of the incident on record. Document the damage by taking clear photos and video. You can then contact your insurer and submit a claim. Provide the photos and police report as proof. Do the same if the damage was due to attempted theft of the vehicle or theft of parts such as missing hubcaps.

Pizano Insurance, Serving Wayzata, MN

If you are in the Wayzata, MN area and need auto insurance, we here at Pizano Insurance are happy to help. Give us a call today.