Monthly Archives: November 2019

Is Your Home Ready to Receive Guests for the Holidays?

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If you plan to host festivities in your Wayzata, MN home this holiday season, there’s no time like the present to prep your abode. The following ideas from Pizano Insurance can be helpful in getting your home ready to receive family and friends for the holidays.

Declutter

Decluttering will improve the appearance of your home and make it more spacious for holiday events. Start with your foyer and proceed to the living room, stairs, kitchen, and dining room to remove clutter from bookshelves, ottomans, coffee table and counters. Get rid of unwanted items and store away what you want to keep for future use.  

Ready Your Kitchen

Deep clean your kitchen to make it a pleasant environment for guests to congregate during the holidays. Clean counters, cabinets, appliances, and floor. Stock up on foods and snacks you’ll need for the holidays as well as party supplies (napkins, paper plates, paper towels.) Check your dinnerware, glasses, and utensils to ensure they’re in top shape for holiday service.   

Prepare Guest Room

Wash guest sheets, blankets, comforters and towels well before house guests arrive so you won’t be caught unprepared. Clear out closet space for guests to hang up holiday clothing and empty a drawer for personal belongings. Scented candles and a bowl of holiday snacks add a finishing touch to welcome those you love.

Stock up Bathrooms

Stock up on toiletries, toilet paper, and paper towels and put them well within visitor reach. Purchase new bath mats and rugs, if needed, to enhance your décor. Tidy bathrooms right before guests arrive, so they will appear fresh and clean. 

Updating your home insurance is an important part of preparing your home for the holidays. Dwelling, liability and contents coverage will protect you against the risk of holiday accidents. For comprehensive coverage at an affordable cost, call or visit Pizano Insurance in Wayzata, MN today.

Just Married? It’s Time To Have Your Auto Insurance Policy Reviewed

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Congratulations! You just tied the knot. Newlyweds have a lot of decisions to make when they get married, such as which Wayzata, MN home to reside in, how to combine their book collections, and how to pare down two sets of kitchenware into one. Most people choose to merge their auto insurance after marriage, too.  While combining your insurance policies has some perks, like possible significant discounts and only one bill to pay, there’s a possibility some unpleasant surprises could be lurking in the details. 

Why Should We Combine Auto Insurance After Marriage? 

The simple answer is that it’s generally easier to pay just one insurer and to have one car insurance payment. If you do decide to combine auto policies, you can choose either of your current insurers or shop for a new one. If you do want to keep your policies separate, each of you should contact your insurer and notify them that you’re married, and add each other to your policies. 

Is Auto Insurance Cheaper for Married Couples? 

Because statistically, married drivers are involved in fewer collisions and file fewer claims, being married generally results in cheaper rates right off the bat. While discounts for married couples varies depending on the insurer, according to data compiled by Quadrant Information Services (QIS), the average discount a married couple enjoys is approximately 12 percent nationwide and continues as long as you stay married.  Not a bad perk for simply saying “I do.”  

Can My New Spouse Hurt My Auto Insurance Rates? 

If both you and your spouse have good credit scores and excellent driving records, you’ll both get better rates. However, if you have an excellent driving record, your rates may rise if your new spouse has a bad driving record — even with the marriage discount. If they have a bad driving record, bad credit, or have been involved in multiple claims, you can expect your rates to increase.   

If you’ve recently gotten married, you and your spouse need to review your insurance policies. Call the Wayzata, MN auto insurance experts at Pizano Insurance today for answers to all your insurance questions.