Monthly Archives: August 2022

Tips to Help Prevent Frozen Pipes This Winter

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The winters in Wayzata, MN, and the surrounding areas, can be harsh. Unfortunately, freezing temperatures can wreak havoc on many things, including your pipes. Here at Pizano Insurance, we encounter homeowners who have had their pipes burst in the winter due to cold weather. A burst pipe can be expensive to fix and cause costly water damage. You want to do everything possible to prevent your pipes from freezing. Here are a few tips to help you do just that. 

Get Your Pipes Cleaned Before Winter

One of the best ways to prevent frozen pipes this winter is to get your pipes cleaned before winter. Debris and residue in pipes can slow the flow of water through the pipes. This can increase the chances of water becoming cold and freezing. 

Keep Water Running Through the Lines

Another tip to help prevent frozen pipes this winter is to keep water running through the pipes on cold days or nights. When you turn on your faucets and allow water to drip through slowly, you ensure water constantly flows through your pipes, helping to prevent them from freezing. 

Leave the Heat Consistently Running in Your Home

Lastly, do not shut off your heater during the winter months. You may be tempted to shut off the heater when you are away at work or away on a trip. However, doing so can lower the temperature in your home and increase the chances of your pipes freezing. 

The above tips can help minimize the chances of your pipes freezing during winter. Still, unfortunately, there is no surefire way to prevent this problem from occurring altogether. As such, you must have excellent home insurance if a pipe does freeze and your home floods. The team at Pizano Insurance, serving the greater Wayzata, MN area, can help you with your home insurance needs. Reach out to us now to learn more. 

Will my auto insurance pay for the damage from a tree branch?

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Auto insurance protects you, your car, and other drivers. However, different types of coverage are created to cover specific situations under an auto insurance policy. There are particular types of auto coverage to suit different situations. Our Pizano Insurance team in Wayzata, MN is dedicated to taking the guesswork out of auto insurance. 

Auto Insurance Requirements in Minnesota

Believe it or not, most states only require drivers to carry liability insurance. Liability insurance will only cover damage, injuries, and other situations that affect other people. Liability protects you when you’re found at fault for damage or injuries to other people, property, or vehicles. Liability coverage will not cover your property damage, injuries, or any damage to your vehicle. However, this is typically the only auto insurance required by law in many states. Liability insurance covers other people’s repair, replacement, and financial compensation.

Other Forms of Auto Insurance Coverage

Liability coverage is just one type of insurance coverage provided by auto insurance. Other forms of coverage will provide compensation, repair, and replacement for you, your property, and your vehicle. For example, collision coverage will pay for the repair of your car regardless of fault or if the at-fault driver is uninsured or underinsured. Comprehensive coverage covers repairing or replacing damage to your vehicle based on a non-collision accident like theft, vandalism, or a falling tree. 

Comprehensive Coverage for Non-Moving Accidents/Incidents

If a tree branch falls on your car, your comprehensive coverage will cover the repair of the damage. Of course, you’ll have to invest in more than liability insurance if you want this coverage. However, liability coverage is required by law, and you can add comprehensive coverage to your auto policy. If you have questions about your auto coverage options, call us. We’d be happy to answer all of your questions.