Choosing your home insurance coverage is a big step in buying your home. You need to choose carefully to avoid costly mistakes. At Pizano Insurance, we can help you find the right home insurance option in Wayzata, MN.

The following are three home insurance mistakes it’s important to avoid when you buy a new home.

Failing to purchase enough coverage

Your home is going to be among your most valuable assets. Therefore, you need to make sure you protect it. Don’t try to save money by limiting the amount of coverage you buy for your home.

Ideally, you should invest in enough coverage to completely replace your home’s value in the event of a severe accident. You should also purchase enough home insurance coverage to protect your assets in the event of a liability lawsuit. 

Being unaware of coverage limitations

Make sure you read the fine print so that you are aware of the limitations of your home insurance policy. There are certain things that a standard home insurance policy is not likely to cover. One example is flood damage. You need to purchase separate flood damage coverage for damage caused by floods to be covered.

Buying the cheapest available policy

You make a big investment in owning a home. You’ll put your investment at risk if you purchase cut-rate home insurance coverage.

Make sure that the home insurance policy you purchase is dependable. Purchasing the cheapest available policy could compromise your investment in your home and lead to huge financial loss in the event of an accident. 

Are you on the market for home insurance in Wayzata, MN? Let us assist you with finding coverage for your home at Pizano Insurance. Contact us with your home insurance inquiries. 

Pizano Insurance assists the Wayzata, MN community, as well as the surrounding communities by offering residents multiple types of insurance policies. As an independent insurance agency, we are able to use our relationships with multiple companies to help our clients. We strive to help our clients find the insurance coverage that they need to protect their assets and secure their futures.

Adapting Your Home Insurance To Deal With Winter

Your home is one of your most valuable possessions. That’s why it is important that you protect it. Home insurance gives you peace of mind that regardless of the challenges that arise in the future, you will be covered. Home insurance allows you to protect your physical property, as well as the possessions inside your home. As a Minnesota resident, you are aware of how difficult the winter season can be. The inclement weather has the ability to cause serious damage to your home. That’s why it is important that you pay attention to some of these factors.

Cold Snaps

One of the most serious threats to your home during the winter is cold snaps. Cold snaps have the ability to damage pipes and cause them to burst. The result is potentially serious water damage throughout your home.

Snow Buildup On Your Roof

Another issue during the winter is the accumulation of snow on your roof. Snow buildup can cause water to start leaking throughout your home. The buildup may also clog your gutters, which can cause damage to the ceiling and wall. During extreme cases, the show buildup on your roof may cause your roof to cave in. Make sure that you have your roof inspected before the winter season starts to make sure that everything is secure.

Pizano Insurance Will Assist You

Navigating the harsh winters in Wayzata, MN can be difficult. Visit our website today to learn more about how we can help protect your investment.

Many people never want to have to deal with a disaster and the insurance of their home. It is something that can be unpleasant, to say the least. Hurricanes, floods, vandalism, among other events, can be unpredictable and unpreventable so having quality insurance is very important for such a big investment as your home.

Having an insurance provider you can trust is crucial if something major happens. That is why choosing a company that will look out for you. Pizano Insurance of Wayzata, MN has reliable agents who will take the time to get to know what your insurance needs are.

Beginning Stages of a Claim

If your home is damaged by an accident that was unforeseen, you are eligible to file a claim to cover expenses to repair your home. There is not a guarantee the claim will be approved, but the process must be started and your information collected. General repairs from age are not considered under a claim as they are not accidental in nature. You will need to contact your provider for more information during this process.

The Claim Process

Your insurance company might refer you to a damage repair company as a temporary measure to prevent further problems. Investigations must be made and an adjuster will be involved in the process. The insurance company will determine if a claim is to be paid. This payment can happen in different ways depending on your provider and conditions. It is good to have a trusted insurance company you can rely on during this whole procedure.

If you need help selecting the best home insurance policy, Pizano Insurance of Wayzata, MN can help. We have experienced agents who can answer your questions about policies and claims processes. Give us a call to schedule an appointment to speak to one of our representatives today.

Losing items in a fire or a burglary can be frustrating, and especially frustrating when you have not yet added those items to your home insurance inventory. Fortunately, Wayzata, MN can be somewhat flexible in these matters, but you need to exercise some caution and common sense here.

If you can prove that you owned the items in question and simply hadn’t added them to your inventory yet, you may be able to file a claim for them. If you have photographic or video evidence, your adjuster may be willing to take that into account even if you never sent receipts directly to your insurer. Home insurance companies understand that it’s hard to fully plan for an emergency, and a fire isn’t always going to happen right after your most recent inventory.

But there is no guarantee that your insurance company will cover these items, and claiming items that you cannot prove you owned may even have your insurer suspecting fraud.

The best way to make sure that this doesn’t happen:

• Keep your receipts somewhere safe.
• Update your inventory often. Every six to twelve months, and after every major purchase.
• Keep documentation. Keep your receipts together, take photos, capture videos, and make sure that you can prove it.

And remember that an insurance adjustment isn’t a negotiation. Many homeowners assume that their adjuster will lowball them, so they claim a higher number than the actual value of the damaged or lost goods. Don’t do this. Just tell them what you lost and what it was worth.

If you are still shopping around for an insurer for your Wayzata, MN home, get in touch with Pizano Insurance by phone or through the Pizano Insurance website.

Have you recently undertaken a home improvement upgrade? Maybe you decided to add onto the house, or perhaps you’re updating the kitchen. All of these will have an impact on the overall value of your home. This is fantastic, but it also leaves you with a bit of a dilemma. Do you tell your home insurance provider about the renovations? Here at Pizano Insurance, we are here to address those concerns when you call Wayzata, MN home. 

Should You Tell Your Home Insurance Provider About Renovations?

First of all, you are not obligated to say anything about renovations to your home insurance provider. So, if you don’t want it to it is not required. However, that doesn’t mean it is the best idea. Why? Because what happens if your home is damaged? You will be compensated based on the original value of your property. This means all the money you put into the new renovations will be completely out of the window. Does shaving a few dollars off your insurance rates compared to paying for the renovations all over again should something happen to your home? That decision is up to you, but in general, it is always a good idea to let your provider know. 

All of Your Home Insurance Needs

If your considering new home insurance, are looking at performing home upgrades, or you have other basic questions regarding home owner’s insurance, you need to contact the professionals to find out what is the best course of action and what you should avoid. Here at Pizano Insurance, we are here to address these exact concerns. So, if you have any questions or you want to know more about insuring renovations on your property our staff here is just a phone call away.