{"id":616,"date":"2022-12-15T04:00:00","date_gmt":"2022-12-15T04:00:00","guid":{"rendered":"https:\/\/www.pizanoinsurance.com\/blog\/?p=616"},"modified":"2022-12-08T18:50:52","modified_gmt":"2022-12-08T18:50:52","slug":"homeowners-insurance-protects-your-most-valuable-asset","status":"publish","type":"post","link":"https:\/\/www.pizanoinsurance.com\/blog\/homeowners-insurance-protects-your-most-valuable-asset\/","title":{"rendered":"Homeowners&#8217; Insurance Protects Your Most Valuable Asset"},"content":{"rendered":"<p><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">Are you a homeowner living in or around the Wayzata, MN area? If so, the professionals at Pizano Insurance can help you with all your homeowners&#8217; insurance needs.<\/span><\/span><\/span><\/p>\n<p><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">Did you know that lenders would require your property to be protected with homeowners insurance before providing a loan? Why? They want to ensure that their interests are protected in the event of a total loss.<\/span><\/span><\/span><\/p>\n<p><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">This coverage will be the primary source of the funds needed to rebuild. It will also provide coverage for any legal action resulting from an injury to a guest. In the worst possible scenario, your entire investment could be lost. Make sure you can cover the costs of rebuilding or repairing your home in case of a covered loss. <\/span><\/span><\/span><\/p>\n<p><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">The standard homeowners&#8217; insurance policy will include coverage for your home or dwelling, other structures, such as a garage or storage shed, personal liability, and liability for the protection of visitors or guests, <\/span><\/span><\/span><\/p>\n<p><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">The most common causes of insurance claims are both weather-related and non-weather-related water damage, wind, and theft. These causes make up 77% of all homeowners&#8217; claims submitted. Don&#8217;t leave yourself open to this kind of financial disaster. <\/span><\/span><\/span><\/p>\n<p><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">But there are some things that a homeowners&#8217; policy will not cover. Coverage for valuable artwork, jewelry, collectibles, damage from a flood or earthquake, and identity theft protection are not covered.<\/span><\/span><\/span><\/p>\n<p><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">If you have no homeowners&#8217; insurance, it could violate the terms of your mortgage agreement. Your lender could force you into a lender-placed insurance policy, which is much more expensive, or send your loan to default. This will lower your credit score and increase your risk of losing your home to foreclosure.<\/span><\/span><\/span><\/p>\n<p><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">Make sure you protect your home. Contact Pizano Insurance today. You will be glad you did.<\/span><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Are you a homeowner living in or around the Wayzata, MN area? If so, the professionals at Pizano Insurance can help you with all your homeowners&#8217; insurance needs. Did you know that lenders would require your property to be protected with homeowners insurance before providing a loan? Why? They want to ensure that their interests [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[127,240],"class_list":["post-616","post","type-post","status-publish","format-standard","hentry","category-home-insurance-homeowners-insurance","tag-pizano-insurance","tag-wayzata-mn"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.pizanoinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/616","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.pizanoinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.pizanoinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.pizanoinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pizanoinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=616"}],"version-history":[{"count":1,"href":"https:\/\/www.pizanoinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/616\/revisions"}],"predecessor-version":[{"id":617,"href":"https:\/\/www.pizanoinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/616\/revisions\/617"}],"wp:attachment":[{"href":"https:\/\/www.pizanoinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=616"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pizanoinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=616"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pizanoinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=616"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}