When you buy a home, it becomes more than just a building; it becomes a place that matters to you. Most homeowners understand they need home insurance to protect that investment. If your home is near Wayzata, MN, our team at Pizano Insurance will work with you to find the best home insurance policy for your needs. We’ve been working with Minnesota homeowners like you since 1994.
Common Gaps in Standard Home Insurance
When choosing a home insurance policy, it’s essential to read the details carefully, since not all standard policies cover the same things. For example, most home policies don’t cover flood damage, so homeowners in a flood zone should make sure to purchase a separate flood insurance policy as well. Sheds, gazebos, and other unattached structures on your property may also need separate coverage, depending on your specific policy.
If your home has a sump pump, it’s worth noting that damage from sump pump failure or water backup is typically excluded from a standard policy and usually requires a separate endorsement to be covered. It’s also worth thinking through other valuable items in your home, such as jewelry, musical instruments, artwork, and antiques. If you own a significant number of these kinds of items, a personal articles policy may be worth considering. And if you run a home-based business, talk to one of our agents about whether a commercial insurance policy makes sense for your situation.
Call Us Today to Schedule Your Appointment
You never know when your home might be damaged by a disaster, so it’s best to be prepared. Our team at Pizano Insurance has the expertise to help you review your insurance options. Homeowners near Wayzata, MN, have discovered that we provide excellent customer service. Contact us to make an appointment today and get answers to your insurance questions.
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