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You know you need homeowner’s insurance, but you may not know that you need to update your policy regularly. At Pizano Insurance in Wayzata, MN, we offer homeowner’s insurance to protect your investment.
Increasing Your Home’s Value
If you’ve recently added an addition to your home or completed a significant renovation, you should update your homeowner’s policy. These things increase the value of your home. Since your home is worth more, you may need to increase your coverage limit.
Changes to the People in Your Household
You should update your policy if you’ve recently added a new family member or someone has moved out. Family members are covered under your policy, so your insurance provider needs to know who is living in the household.
Purchasing or Selling Valuables
Have you recently purchased the diamond necklace you’ve dreamed of for years? Perhaps you recently sold an expensive antique. These situations mean that you need to speak to your insurance agent.
If you get a new valuable item, you’ll need to inform the insurance company to ensure it is covered. You may need a rider if the item is costly.
If you’ve recently parted with a valuable, your insurance company also needs to know this. Otherwise, you may be paying for coverage you no longer need.
Starting a Home Based Business
If you’ve recently begun a home-based business, you need to speak to your insurance provider. Most homeowners’ policies have minimal coverage for business equipment. You may need to upgrade your policy or choose a small business policy to be adequately covered.
Homeowners Insurance with Pizano Insurance
If you need homeowner’s insurance or need to upgrade your current policy in Wayzata, MN, contact us at Pizano Insurance. Our knowledgeable agents help you choose the best coverage for your needs.