Monthly Archives: January 2021

Does Home Insurance Cover Flooding?

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Are floods covered under home insurance in the state of Minnesota? You might be surprised to learn that flooding is not included in a standard homeowners’ insurance policy. There are companies that offer this as an additional policy and it’s definitely a good idea to discuss if you live in or near a flood zone. Even if this isn’t the case, you’d benefit from talking to an independent insurance agent from Pizano Insurance, which serves the Wayzata, MN area.

Don’t Rely on Disaster Assistance

In many cases, you won’t be able to use disaster assistance. This isn’t a possibility if the President hasn’t declared that the flood that damaged your home or other property to be a disaster. Of course, it is a catastrophe and there definitely is help out there. It’s important to be prepared for this type of emergency because it can be costly to repair your home or replace your property.

National Flood Insurance Program

There is a National Flood Insurance Program for which you may qualify. A local insurance agency may be able to assist you with signing up for this, and if not, an agent will help you find just the right flood insurance for your needs. They’ll explain the costs as well as what’s covered and let you know if there are any strict limitations.

Flood Insurance from Pizano Insurance

Not every insurance agency is the same. You can depend on Pizano Insurance of the greater Wayzata, MN region to listen to your needs and come up with a solution that should give you strong protection for your investment. The last thing you want to do is worry about how you’ll manage if you have serious flood damage and we’ll make sure to put your mind at ease.

When should I get auto insurance?

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The Wayzata, MN area is a great place for someone to live. If you do choose to move to this area of Minnesota, it normally makes a lot of sense to get a car. When you are a vehicle owner in this area, you will have a much easier time getting around town. Along with your car, you also need insurance for it. There are a few situations when you should get this coverage. 

When Trying to Protect Asset

A great situation to get auto insurance is when you would like to protect your asset. A car is a very significant and important asset that you need to cover as well as possible. If you have invested in full auto insurance with comprehensive and collision coverage, you will have the protection that you need to repair or replace it if you do suffer a loss.

When Driving on Public Road

You will also need to get auto insurance when you want to drive your car on a public road. Similar to other states, the state of Minnesota will require that all car owners carry an auto insurance policy that has a certain level of liability coverage. Those that are caught without this coverage could suffer some consequences. 

When you own a car in Wayzata, MN you are clearly going to need auto insurance. Since picking a policy is a big decision, it never hurts to work with someone that you can trust when you are looking for your next plan. The team at Pizano Insurance can help you build a policy that will appropriately meet your needs. Pizano Insurance will always take a personalized approach when it comes to insurance, which will help ensure you get into the best policy possible.