Monthly Archives: August 2019

3 Tips for Buying Home Insurance in Wayzata, MN

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Protecting your home is an important task. You put effort into this by maintaining your property, having maintenance and repairs scheduled for heating and cooling systems, upgrading when needed, and taking pride in having a place to call your own. Life is unpredictable, however, and we never know what the future could bring. Fire, theft, and even a lawsuit could put your home in jeopardy. With the right home insurance in Wayzata, MN, you can have peace of mind knowing that whatever might happen, your insurance policy has you covered. If you’re in the market for a new home insurance policy or want to upgrade an existing one, here are three tips that will help you secure the right policy and save you money in the process.

1. Compare Several Quotes

No two insurance quotes are exactly the same. That’s why it’s always a good idea to compare many quotes before purchasing a policy. An agent from Pizano Insurance can help you go over the quotes to understand the coverage and cost and pick the right one for your needs.

2. Bundle Your Insurance Policies

Because Insurance Companies reward loyal customers, it’s a good idea to bundle your insurance policies under one carrier to get a discount on your premiums. This is a fast and easy way to save money on your home insurance.

3. Work with a Reputable Agent

To find the right home insurance policy for the best price, work with a reputable and experienced insurance agent who will help guide you through the process. This agent should be friendly, knowledgeable, and patiently answer all of your questions.

To purchase a home insurance policy in Wayzata, MN, contact Pizano Insurance today. Our friendly agents are standing by to take your call. 

Does Auto Insurance Protect Against Brake Failure?

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Brake failure is a problem that no driver in Wayzata, MN ever wants to experience. But if it happens to you and you aren’t sure what to do, you need to understand your insurance options fully. We at Pizano Insurance can help you better understand this to minimize your failure risk.

Insurance Would Cover Sudden Brake Failure

In almost every case, your insurance company will cover sudden brake failure that occurs while you are driving. Typically, they include failure that occurs due to manufacturer error or problems that are outside of your control. For example, a car that is later recalled for failed brakes would be covered by your policy.

After your accident occurs, you will need a mechanic – typically one is sent by your insurance company – to check why the brakes failed. If they find that the brakes failed through no fault of yours, you will get paid for the damage caused to your car.

Wear and Tear Damage May Not Be Covered

One common issue that may complicate your policy coverage is the exact cause of your brake failure. If the brake failed because of natural wear and tear that you could have prevented, there is a good chance that you may not get a policy coverage for your needs.

Why is that the case? Your insurance won’t cover that type of problem because they consider it your fault. You should have taken the car to the shop to get the brakes checked and could have prevented the failure. So be prepared for this issue if you find wear and tear caused your crash.

Let Us Help You

As you can see, the insurance information regarding brake failure can be quite confusing. As a result, if you live in Wayzata, MN and need help finding the best policy, please contact us at Pizano Insurance to learn the most about this process and how it can benefit your financial needs.