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Are you thinking of becoming a homeowner? Do you live in or near the Wayzata, MN area? If so, Pizano Insurance can help you with the coverage you need for your home.
Why is homeowners insurance important? First of all, if the homeowner carries a mortgage on the property, all lenders will require the home to be insured to protect their interests.
A typical policy will protect the homeowner against a lawsuit if someone is injured while on your property. If Fido bites someone, the insurance will cover it. Liability coverage pays the injured party’s medical bills and any property damage. The insurance will also pay attorney expenses if necessary.
Homeowners insurance will pay to replace or repair your home if it is destroyed or damaged by a weather event or other natural disaster, except floods. Always remember to purchase enough insurance to replace your home and its contents. Approximately 75% of homeowners do not have enough insurance coverage.
Insurance will reimburse you for the value of your property inside the home, including furniture, appliances, clothing, and other personal possessions.
Medical costs such as surgery, x-rays, ambulance rides, and hospital stays are covered if a visitor is injured on your property.
For most people, our home is the biggest single investment we will ever make. Homeowners insurance will protect the equity in your home, which is the difference between the value of the property and what is owed. As improvements are made to the home, the equity increases.
Make sure this investment is protected. Don’t risk losing your home to a weather event or someone becoming injured on your property. The peace of mind this coverage offers is worth the cost.
Pizano Insurance, serving the Wayzata, MN area, can provide answers to any questions you may have. Contact our team today. You will be glad you did.