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Whether you are planning a nice, relaxing trip over a holiday or a long vacation for a couple of weeks, you want to have the peace of mind that comes from knowing that your home and all your belongings will be safe and sound while you are away. So consider implementing the strategies outlined here, courtesy of Pizano Insurance serving the Wayzata, MN area, to maintain your home’s safety while you are out of town. Using security camerasSo many people are installing and using security cameras at their homes these days. And for good reason: Those convenient devices serve a valuable purpose as they provide an added layer of security in and around your home. Shop around to find the camera that best suits your needs. Turning off itemsTurn off and unplug appliances and other electrical items before you go out of town. That includes electronic items, small appliances like toasters and lamps. It is smart to do this because you never know when those items could malfunction while you are out of town. Checking appliancesBefore you go out of town, check all major appliances to make sure they are in good condition. You might consider unplugging certain items such as your clothes washer. Monitoring your homeYou might want to consider having a housesitter or neighbor keeping a close eye on your house while you are away. This is a simple step that can go a long way toward providing some extra security. There are many ways to safeguard your home while you are away. Plan ahead before your trip and follow the tips outlined here. If you need more information or would like to make sure your home insurance needs are being met, feel free to contact Pizano Insurance serving the Wayzata, MN area. |
Monthly Archives: December 2019
Should You Raise Your Liability Insurance Coverage?
You already know you have to carry liability insurance coverage. But how do you know that you have enough? And are state minimums acceptable or should you have more than that? Here’s a bit of information from our Pizano Insurance team to consider.
What Liability Insurance Covers
Liability insurance is considered a third-party coverage. This means that, if you’re in an at-fault accident, this type of coverage would help to pay for the other person’s vehicle, property, and/or medical bills. It is required by law and the basis of what you see on your policy documents.
Should You Have Higher Than State Minimum Limits?
The next question many people ask is whether they should have higher than state minimum limits. In most cases, the answer is yes. State minimum limits are designed to help provide just a small amount of financial help if you’re involved in a bare-bones at-fault accident.
If you’re in a serious accident with multiple vehicles, newer vehicles, or injuries, you would be responsible for everything over your liability limit. That’s why it is important to have a high enough limit in case this type of scenario happens.
And if you don’t have enough insurance coverage? You could be sued personally for everything the claim does not cover.
Budget Considerations
Before you raise your liability insurance coverage, it is important to first take into account your personal budget. A higher level of policy equates to a higher policy premium. However, it most cases the difference is only a few dollars a month. That’s why it is best to speak with your agent about your particular situation and budget before making the change.
Ready to learn more? Contact our team at Pizano Insurance team in Wayzata, MN to schedule a no-obligation