Monthly Archives: October 2019

Why You Should Have Comprehensive and Collision Coverage

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Comprehensive and collision coverage in Wayzata, MN, are added coverage you can have as part of your auto insurance policy.

Comprehensive coverage will pay for damage to your car from almost anything, except a traffic collision. This can include vandalism, weather, or other events outside of your control. While it’s not required by the state, you may be required to have comprehensive coverage if you are financing or leasing your vehicle. Comprehensive coverage will become less valuable as your vehicle depreciates since it likely won’t pay out more than your vehicle value. Consider the value of your car and your deductible when considering if you should have comprehensive coverage.

Collision coverage is designed to cover the replacement cost in case you are in an accident, whether it’s with a stationary object such as a tree or another driver. It may also be required if you are leasing or financing, just like comprehensive coverage in Wayzata, MN. Even if you aren’t required to have collision coverage, it still has some benefits. Consider if you are able to replace or repair your car without coverage. If you are not in the financial position then you need to have coverage. The cost of replacing your car goes beyond the actual dollar amount of getting it fixed. There is also the disruption to your daily life through the replacement and repair process. Your insurance company won’t be able to assist you if you don’t maintain coverage.

An agent at Pizano Insurance can help you find the right policy for your needs. If you want the benefits of comprehensive and collision coverage, you can have the highest deductible that will fit your budget. If you want to use comprehensive or collision coverage for only major damage then you can have a higher deductible.

Contact Pizano Insurance to get a quote on auto insurance.

Can your home insurance require repairs?

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You may have received a letter from your home insurance carrier telling you that they want you to do a particular repair. Are you required to do this repair just because they want you to? The simple answer to this question is yes since they can cancel your policy if you don’t comply. For the most part, if your insurance company tells you a repair is necessary it is best to do it as soon as possible. Pizano Insurance in Wayzata, MN will be happy to discuss this issue with you if you have questions. 

Some repairs that insurance companies request may be the result of an inspection that was made of your home and others may be the result of a claim that you recently had. An issue may have come to light and they are within their rights to ask that this issue be corrected. However, sometimes the insurance companies can be a little too aggressive in their requests and it may be possible to delay if not totally avoid the repairs that they are demanding. 

If they tell you that they will cancel your insurance if you don’t replace your roof, you may be able to get a contractor to do an inspection that can give you at least a little time. If you have a contract to have a repair done within a reasonable amount of time, say 6-8 months, the insurance company may be willing to work with you. 

When it comes to home insurance companies, basically they hold all the cards. They have the insurance and you need it so that places you at a serious disadvantage when it comes to fighting them. 

Pizano Insurance in Wayzata, MN is happy to discuss this and any other questions you may have about home insurance. Give their office a call by the office.