Monthly Archives: July 2022

Will My Home Insurance Cover Damage From A Storm?

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If you live in an area prone to storms, you may wonder if your home insurance policy will cover any damage. The short answer is: it depends. Each policy is different, and specific exclusions may vary depending on the storm that hits your area.

In this blog post, we’ll discuss the types of damage that are typically covered by home insurance policies, as well as those that are not.

Damage from Wind and Hail

Home insurance policies typically cover damage from wind and hail. This includes damage to your roof, siding, windows, and gutters. If a tree falls on your house, that is also usually covered.

However, there are some exceptions. For example, your policy may have a wind damage exclusion if you live in an area prone to hurricanes or other severe storms. This means that any damage caused by wind, including hurricane-force winds, would not be covered.

Additionally, some policies exclude coverage for certain types of roofing materials. For example, if you have a tile roof, your policy may exclude coverage for damage caused by hail. In this case, you would need to purchase a separate hail insurance policy from a professional company such as Pizano Insurance in Wayzata, MN to be protected.

Flooding

Another common exclusion is flooding. This is a separate type of insurance you would need to purchase if you want coverage for flood damage. Even if your policy does not exclude flooding, there is often a very low limit for this type of damage. Furthermore, most policies have a waiting period before they start covering flood damage, so it’s essential to purchase this coverage well before any potential storms.

Conclusion

If you’re not sure what your home insurance policy in Wayzata, MN covers, the best thing to do is give Pizano Insurance a call. We can help you understand your coverage and ensure you have the protection you need.

What Are The Common Mistakes People Make When Shopping For Auto Insurance?

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When shopping for auto insurance, most people think they know what they’re doing. However, many people make common mistakes that cost them a lot of money. This blog post will discuss the five most common mistakes people make when shopping for auto insurance. We’ll also provide tips on avoiding these mistakes and getting the best rates possible on your policy.

1. Not Shopping Around

The first mistake people make when shopping for auto insurance is not shopping around. There are many different insurers, each with varying rates and coverage options. Shopping around and comparing quotes before deciding on a policy is essential.

2. Not Reading the Fine Print

Another mistake people make is not reading the fine print. When shopping for insurance, it’s essential to read the policy documents carefully. This way, you’ll know exactly what’s covered and what isn’t. Many mistakes assume that their policy covers certain things when it doesn’t.

3. Not Understanding Your Coverage

Another common mistake is not understanding your coverage. There are so many types of auto insurance, and it can be confusing to understand what each one covers. It’s essential to speak with an insurance agent from companies such as Pizano Insurance Agency in Wayzata, MN, so that they can explain your coverage options.

4. Not Getting Enough Coverage

Many people choose to skimp on their auto insurance coverage to save money. However, this can be a mistake if you get into an accident and don’t have enough coverage. It’s vital to ensure you have enough coverage to protect yourself financially in an accident.

Insurance Mistakes to Avoid

These are just a few common mistakes people make when shopping for auto insurance. By avoiding these mistakes, you can save money on your policy and get the coverage you need. If you have any questions about your coverage, speak with an agent from Pizano Insurance Agency in Wayzata, MN. They’ll be happy to help you choose the right policy for your needs!