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Buying your first home in Wayzata, MN? Before you call Pizano Insurance, there are a few things that you might not know about home insurance, but you should. Let’s get started.
- Home insurance protects your valuables even when they’re not in your home. This means that if you have something stolen from your car or truck, for example, then it would be your home insurance that covers the losses, not your auto insurance. So even if you’re visiting a friend and have your items stolen when their home is broken into, your home insurance policy has you covered.
- Home insurance typically does not cover flooding. For this, you will need to look into flood insurance. Long story short: Flood insurance is intertwined with other factors like FEMA and government disaster relief, so most home insurers don’t cover it.
- Foundation repair is covered by home insurance, but it depends on the cause. Collapse due to the weight of snow and ice on your roof would be covered, as would windstorms, explosions, and falling objects. Earthquakes, floods, poor construction, or pressure from tree roots would typically not be covered. This is basically the rule in home insurance: It’s not so much which parts of your home are or are not covered, it’s the specific hazards that may or may not be covered. Read your policy o that you know what is covered and isn’t covered.
There’s plenty more to learn about home insurance in Wayzata, MN, so if you have any questions, or if you’re looking to get protected, get in touch with Pizano Insurance and see what they can do for you.