Minnesota Home Insurance: How to Avoid Costly Water Damage Claims

Water damage is more than just a bad day, it could ruin some of life’s most precious moments and memories. When you want to avoid expensive water damage claims or repairs, there are a number of things you can do for preventive measures. 

At Pizano Insurance, we want Wayzata, MN home and business owners to get the most out of their home insurance policies, without expensive claims. Start outside the home when you are trying to prevent water damage.

Take these steps to prevent water from coming into the home.

Disconnect Hoses

When you have hoses outside, there is always the potential for standing water. If those hoses are connected to a pipe, that water can move back into the building and even freeze in the pipes. That will lead to burst pipes and water explosions everywhere. 

In your home, that will lead to floor and wall damage, and could even lead to damage to the foundation. Disconnect all of your hoses outside, and put the hoses away when you know you won’t be needing them again that season.

Clean Downspouts and Gutters

You should be doing this job at least twice a year, as this will help to avoid ice dams and blockages from ice or plugged sewers.  If you have unmanaged water flow this could lead to puddles that cause problems with the foundation. You’ll see leaks, water damage, and even flooding. 

Clean the gutters and downspouts to make sure that when water or weather flows, it flows seamlessly. Make sure your downspouts are pointed away from the house.

Maintain Outside Trees and Shrubs

You don’t need to do too much maintenance here but to check the vegetation around your pipes. When you have branches, vines, and leaves wrapping around your pipes or growing in that direction, you want to maintain those branches in the opposite direction. Remove them entirely if you can. 

Update Your Insurance

In the worst-case scenario, water damage is going to lead to a home insurance claim. At Pizano Insurance, we want Wayzata, MN residents to take preventive measures there to protect the contents they’ve grown their whole life. Update your home insurance policy to make sure you are protected from water damage. Call us for a quote today.

How to Protect Your Home In Minnesota

If you own a home in Wayzata, MN, homeowner’s insurance is essential to protecting your most valuable investment. The experts at Pizano Insurance highly recommend finding a quality, reliable insurance plan that will cover you and your possessions in the event of any damage or danger to your home. 

Oftentimes, home insurance will cover weather-related damage, such as severe storms, lightning, fire, hurricanes, tornadoes, hail, and more. 

Structural coverage is important, particularly when you live in an area with unpredictable weather patterns, heavy rain, and natural disasters. 

Home insurance can also cover your personal property inside the home. Your possessions, including clothing, furniture, electronics, and more can be covered in the event they are stolen or damaged. 

There are many additional coverage add-ons you can obtain, like earthquake or flooding damage and liability protection. 

While some of these insurance options may not seem necessary for you to protect your home, we can assure you that in the event of a storm or if your home gets broken into, you will want to be fully covered. 

We can’t predict what could happen to our homes, so it’s best to be fully covered just in case. Your home is likely going to be the biggest investment you ever make, and you want to protect it accordingly. 

Homeowners in the Wayzata, MN area that are looking for a high-quality, full coverage insurance plan should reach out to the team at Pizano Insurance. Our team of experts have years of experience and can help find the best insurance plan for you and your biggest investment. We are happy to help you and your family protect your assets and set yourself up for financial success.  

How does home insurance protect a Minnesota property owner?

Those that are in the Wayzata, MN area and are property owners will always want to know that they are fully covered by insurance. Your home in Minnesota is a very major investment that you should protect to ensure you can enjoy it for years to come. The best way to ensure you are able to do this is by getting home insurance. This coverage can protect a property owner here in several ways. 

Coverage Will Protect Assets

A reason that you will want to have a home insurance plan is that it is an effective way to protect your assets. Your home insurance plan is going to give the coverage needed to repair your home if it is damaged by a fire, bad weather, or other challenging situations. The policy also offers coverage and support for personal items that can be lost, damaged, or stolen.

Liability Support

Property owners should always make sure they recognize their liability risk and protect against it. Some liability risks that property owners take on can include if someone is injured while in their home or if an issue with their property causes damage to another home or someone’s personal assets. A liability insurance plan offers great support against any liability claims that could arise, which can be quite helpful in some situations. 

Property owners in the Wayzata, MN area should always have proper insurance coverage in place. As you are assessing your insurance options in this part of Minnesota, calling Pizano Insurance will be helpful. There are a lot of choices that need to be made and Pizano Insurance can help you properly evaluate your needs and options. This assessment and support can help ensure that you will remain properly covered and insured at all times. 

Is Home Insurance Required in Minnesota?

If you own a home in Minnesota, you are not required to have home insurance in place under the law of the state. If you have taken out a loan through a mortgage lender or bank, girl ender well more than likely requires you to have homeowners insurance in place. Even if you do not owe on your home and paid cash for it or ended up with it through inheritance and do not owe money for it, you should still consider having a home insurance policy in place for the Peace of Mind and protection it will provide to you and your family. The home insurance agents at Pizano Insurance in Wayzata, MN understand the importance of having your home insured.

Homeowners insurance will cover your house if it is destroyed or damaged by a fire, some type of storm such as a hail storm, and will protect it if a burglary of your house occurs. You can also obtain homeowners insurance that will cover flooding, although that is usually an extra policy that’s tacked on to your home insurance policy. If you live in a flood-prone area, you will definitely want to have that in place. Home insurance will also protect your house if it is damaged or destroyed by a tornado or a hurricane or some other devastating weather event. With climate change happening all around us, it is a good idea to have home insurance in place to protect your property in case any of these incidents occur.

Home insurance will also cover your belongings, including furniture, appliances, and personal belongings. This is important in the case of a fire or theft incident occurring at your home.

To decide upon which coverage options you want and need to protect your very valuable home and property, call the agents at Pizano Insurance in Wayzata, MN to get your home insurance policy started today.

Making sure your home is prepared for an emergency

Emergencies come in a lot of forms. It can be a fire, strong summer storms, heavy winter snows, or the flooding rains of spring and fall. No matter what the emergency, it is important that your home is prepared to survive and provide the protection you and your family need. In Wayzata, MN, Pizano Insurance is here to provide the choices you need when it comes to home insurance. We will work to make sure you get the perfect coverage for your needs. 

When an emergency hits, it is important to have an emergency plan in place. Every member of the family should be aware of the plan and if it includes evacuating your home, you should have rehearsals so that even the youngest members know where they should be and the route they should take. 

Your home should be equipped with smoke detectors and carbon monoxide detectors. If your escape route is from a second-story window, you need to have an approved ladder for a safe escape from your home. 

Your home should have a supply of food and water that can keep you for a few days in the event of a weather emergency. When a weather emergency hits, it is not uncommon for the power to be out. In order to keep things running in your home, having a generator is a good way to prepare for an emergency. Be sure to have fuel to keep it running for at least a few days. 

Make sure any important papers you have are stored in a container that is both fire and flood proof, including your home inventory and home insurance policy. This will make any insurance claim much easier. 

Pizano Insurance in Wayzata, MN is your one-stop insurance agency for all your home insurance needs. Stop into the office or give us a call for a no-obligation quote. 

Home Insurance Add-ons to Consider

When you buy home insurance from Pizano Insurance, you expect it to protect you against all perils lurking in your home. Unfortunately, home insurance has limitations. However, the good news for Wayzata, MN homeowners is that there are riders (add-ons) you can consider boosting your home insurance policy. Let’s look at a few.

Flood insurance

While home insurance covers water damage resulting from leaky pipes and faulty appliances, it doesn’t cover water damage from overland flooding. As such, you need a stand-alone food insurance policy to protect your home from floods. Even if you don’t live in a flood plain area, it’s recommended you purchase flood insurance since floods can strike anywhere.

Umbrella insurance

Umbrella insurance is extra liability coverage that comes into play when your liability coverage runs out. For instance, if someone slips in your home and suffers severe head injuries, home insurance can only stretch as far. It will cover medical expenses and possible lawsuits but may run out. Fortunately, umbrella insurance picks from what your home insurance leaves off. 

Sewer and drain backup

Water damage from a sewer backup is a constant pain for homeowners. These problems occur when your sewer lines are clogged, become old and weak, or when tree roots seep into the lines, causing damage. Unfortunately, this risk isn’t covered by your typical home insurance. For this reason, you should invest in a sewer and drain backup endorsement to avoid you counting losses when water damage strikes. 

Scheduled personal property

While home insurance protects high-value items like art and jewelry, the protection is limited. If loss or damage were to occur, you would incur out-of-pocket expenses to replace your property. Thankfully, valued possession coverage can help protect your valuables from breakage and theft. 

Boost your home insurance today!

Would you like to get more out of your home insurance? Contact Pizano Insurance of Wayzata, MN to help you boost your home insurance coverage with appropriate riders/endorsements.

Preparing your home for the summer season

The weather is heating up, and it’s time to start thinking about preparing your home for summer. Summer involves a lot more time outside and entertaining. It involves lots of sunshine and the need to stay cool and protected. Owning a home involves lots of upkeep and the summer is no exception. At Pizano Insurance in Wayzata, MN we are here to lower your stress level with one-stop insurance shopping. As an independent agency, we provide our customers with access to multiple carriers which allows them more choices. 

Service your AC

When the temperature rises, it’s time to turn on the air conditioning. If you have a central ac unit, it’s time to get your yearly check-up. Nothing is worse than having your system stop working in the steamy heat. Yearly maintenance can keep your system operating at peak performance and extend the life of your unit. 

Trees

If you have trees on your property winter can be tough on them. Look for damage, if you find some it is time to get an Arborist in to check the health of your trees. You may need some limbs trimmed or removed. Falling branches pose a safety hazard to you, your guest, and your property.

Make sure gutters are clear

Summer can bring heavy rain, and it is important that your gutters and downspouts are running freely. Check to make sure that the water is being directed away from your home to avoid foundation issues. 

Service your lawn moving equipment 

If you maintain your own lawn, preparing for summer means getting out the mower and the weed whacker and making sure they are working well and that you have enough line for the whacked. 

Summer is a time to relax and enjoy the outdoors, if you need to discuss your home insurance give us a call at us at Pizano Insurance in Wayzata, MN. 

4 Things Covered by Home Insurance

If you own a home in Wayzata, MN, it’s a smart choice to understand home insurance to ensure that your hard-earned investment is protected against perils like theft, fire, vandalism, lightning, and so forth. While homeowners’ needs are different, home insurance from Pizano Insurance is likely to cover you in the below areas.

Structural coverage

If your home is destroyed by fire, hurricane, lightning, hail, or any other covered peril, home insurance pays for damages or the cost of rebuilding your home. Detached structures like gazebos and sheds are also covered in case of damage.

However, typical home insurance may not protect your home against flood and earthquake damage. As a result, talk to your agent to purchase separate covers. 

Personal belongings coverage

If stolen or destroyed, home insurance pays for the loss or damage to personal assets like electronics, clothing, and furniture. In light of this, conducting a home inventory is vital to ensure that all your valuables are included in the home insurance coverage plan. 

However, home insurance offers limited coverage to high-value items like jewelry, fur, and silverware. That said, talk to your agent to acquire extra protection.

Liability protection

Suppose your dog bites a neighbor? Or perhaps your son causes bodily injury to your neighbor’s child? Without home insurance, you could be facing expensive financial liabilities. The liability coverage in your home insurance pays for legal costs, medical costs, and property damage for losses caused to other people. 

Pro-tip: If you want more liability coverage than what is offered in your home insurance, consider umbrella insurance for broader coverage.

Additional living expenses (ALE) coverage

If a covered peril destroys your home and becomes inhabitable, home insurance ALE coverage pays for costs above your average living expenses. These expenses include hotel meals and accommodation. 

Next steps: Are you about to own a home in Wayzata, MN? Don’t forget to purchase home insurance from Pizano Insurance. Contact us today for an affordable home insurance plan.

The importance of keeping a home inventory

The importance of keeping a home inventory 

While buying home insurance seems to be one of the best ways to protect your home and valuables, creating an inventory makes filing a claim much easier and efficient. For instance, if thieves broke into your Wayzata, MN home and made away with several items. How will you convince your insurance provider that you owned them? It can be tedious and time-consuming, which is why Pizano Insurance recommends creating and updating your inventory.

It makes filing a claim faster and easier

The last thing you want is a back and forth game with your home insurance company after a disaster strikes your home. What you need and deserve is a smooth transition that will help you get back to your normal life as soon as possible. Without an inventory, your insurance company may have a difficult time believing your word of mouth.

It helps you buy the right amount of insurance

 How will you buy the correct amount of home insurance if you don’t know what you have? When you shop around for a home insurance policy in Wayzata, MN, very few companies can accurately estimate your home insurance value without calculating the value of your belongings. Therefore, you may end up over-insuring or underinsuring your home. Some companies can also take advantage of that fact and add coverages that you don’t need. However, when you have a correctly updated inventory, you can have a more productive conversation with your insurance company.

An inventory helps when applying for financial assistance

Following a catastrophic event, there is only one way to determine whether you qualify for disaster assistance or tax break—substantiating your financial losses. An updated inventory can be quite helpful in such a process.

Not sure where to start? Pizano Insurance can help you analyze your insurance needs and help you determine how to protect your possessions effectively. Call us today!

3 Things You Might Not Know About Home Insurance

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.

  1. 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.
  2. 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.
  3. 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.