Monthly Archives: July 2020

Will Home Insurance Cover Something I Forgot To Add To My Inventory?

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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.

What You Need To Know About Adding Teens to Your Insurance

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Teens can be stressful. When teens start driving parents may worry about a host of things. One consideration parents should keep in mind is the importance of adding their teens to their insurance. This is a big step in life for both the parent and the child. At Pizano Insurance serving Wayzata, MN, we know how important these decisions are. Keep reading to learn what you need to know about adding teens to your insurance. 

When Should I Add My Teen To My Insurance 

The legal requirement of adding a teen to your insurance may vary from state to state. However, to be on the safe side, you will want to speak with an insurance representative. They can help you understand legal requirements and make sure you time this change wisely. 

What Can I Expect After Adding a Teen 

In many cases, rates do increase after adding a teen driver. This is unavoidable as young drivers are simply riskier to insure than older more experienced drivers. These costs can be offset to some degree with good student discounts. In some cases students with a certain grade point average can enjoy discounts on auto insurance. 

Continue Their Driving Education

You child will likely have undergone driver’s ed, but many experts agree that drivers education should continue beyond the classroom. In order to make sure your teen is truly road-ready, keep the education going with frequent driving lessons. These can be conducted either with an instructor or simply with a dependable driver that the teen is comfortable with. The point is to continue their education for as long as possible also making sure they are getting plenty of experience. 

If you would like to learn more about teen driving safety, please contact our friendly staff at Pizano Insurance serving Wayzata, MN.