Monthly Archives: October 2020

Home insurance mistakes to avoid when you move into a new home

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Choosing your home insurance coverage is a big step in buying your home. You need to choose carefully to avoid costly mistakes. At Pizano Insurance, we can help you find the right home insurance option in Wayzata, MN.

The following are three home insurance mistakes it’s important to avoid when you buy a new home.

Failing to purchase enough coverage

Your home is going to be among your most valuable assets. Therefore, you need to make sure you protect it. Don’t try to save money by limiting the amount of coverage you buy for your home.

Ideally, you should invest in enough coverage to completely replace your home’s value in the event of a severe accident. You should also purchase enough home insurance coverage to protect your assets in the event of a liability lawsuit. 

Being unaware of coverage limitations

Make sure you read the fine print so that you are aware of the limitations of your home insurance policy. There are certain things that a standard home insurance policy is not likely to cover. One example is flood damage. You need to purchase separate flood damage coverage for damage caused by floods to be covered.

Buying the cheapest available policy

You make a big investment in owning a home. You’ll put your investment at risk if you purchase cut-rate home insurance coverage.

Make sure that the home insurance policy you purchase is dependable. Purchasing the cheapest available policy could compromise your investment in your home and lead to huge financial loss in the event of an accident. 

Are you on the market for home insurance in Wayzata, MN? Let us assist you with finding coverage for your home at Pizano Insurance. Contact us with your home insurance inquiries. 

When to Replace Your Car Battery

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You may be in a position where you’re starting to worry about your battery. Do you need to replace it? Staying safe on the road is a priority and the agents at Pizano Insurance in Wayzata, MN are here to guide you and help you understand when you need to replace your car’s battery.

How Long Should Car Batteries Last?

A car’s battery should be replaced every 4 to 5 years, but sometimes there are significant issues with the battery that may cause you to replace it sooner. The battery is the heart of the vehicle. If it is not working correctly, then your vehicle will not run as smoothly as you’d like.

What Affects the Battery’s Life?

All batteries will deteriorate over time. Leaving your vehicle unused for long stretches could speed up its deterioration. If you go on vacation and leave your vehicle at home, you might think about letting a neighbor or family member drive it occasionally to keep the battery charged.

Heat is another big factor that can damage a car battery. If you live in southern states or where it is mostly desert, your battery could take on too much heat and begin to swell. If you notice this, change it immediately. Check it regularly if you live in areas where overheating may be a problem.

The length of time you had the battery is a factor to consider. If you’ve had it for more than 4 years and you notice that your vehicle is slow to turn over, then you’ll need to look into replacing the battery.

If you’re in Wayzata, MN and you want to speak with an agent about insurance for your vehicle, the stop by Pizano Insurance. They are ready to get you started today.