Monthly Archives: December 2022

Safe driving tips for new drivers

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New drivers face several unique challenges on the road, from dealing with heavy traffic and confusing signs to learning how to adjust their driving habits for inclement weather. Whether you’re just starting out behind the wheel or are an experienced driver new to a different area, it’s essential to be aware of some basic safety tips that will help keep you and your passengers safe on the roads.

New drivers should first focus on practicing good defensive driving habits. Always stay alert when you’re behind the wheel and watch for any potential hazards in front of, beside, and behind your vehicle. Often, other drivers may not follow all the rules of the road or may be distracted, so it’s important always to expect the unexpected.

Another critical factor in safe driving is proper vehicle maintenance. This includes keeping your tires properly inflated, addressing any mechanical issues as soon as you notice them, and staying up-to-date with routine oil changes and other scheduled maintenance. Driving under or overinflated tires can be dangerous for new and experienced drivers, especially during inclement weather when roads are slick.

Finally, never drive impaired – this means avoiding alcohol or drugs before getting behind the wheel; even a tiny amount of alcohol can negatively impact your driving skills and reaction times. It’s also vital to ensure you get enough sleep before getting behind the wheel, as driving while overtired is just as dangerous as driving under the influence.

For more tips to keep new drivers safe, call Pizano Insurance today. We proudly serve new and experienced drivers in the Wayzata, MN area. 

Homeowners’ Insurance Protects Your Most Valuable Asset

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Are you a homeowner living in or around the Wayzata, MN area? If so, the professionals at Pizano Insurance can help you with all your homeowners’ insurance needs.

Did you know that lenders would require your property to be protected with homeowners insurance before providing a loan? Why? They want to ensure that their interests are protected in the event of a total loss.

This coverage will be the primary source of the funds needed to rebuild. It will also provide coverage for any legal action resulting from an injury to a guest. In the worst possible scenario, your entire investment could be lost. Make sure you can cover the costs of rebuilding or repairing your home in case of a covered loss.

The standard homeowners’ insurance policy will include coverage for your home or dwelling, other structures, such as a garage or storage shed, personal liability, and liability for the protection of visitors or guests,

The most common causes of insurance claims are both weather-related and non-weather-related water damage, wind, and theft. These causes make up 77% of all homeowners’ claims submitted. Don’t leave yourself open to this kind of financial disaster.

But there are some things that a homeowners’ policy will not cover. Coverage for valuable artwork, jewelry, collectibles, damage from a flood or earthquake, and identity theft protection are not covered.

If you have no homeowners’ insurance, it could violate the terms of your mortgage agreement. Your lender could force you into a lender-placed insurance policy, which is much more expensive, or send your loan to default. This will lower your credit score and increase your risk of losing your home to foreclosure.

Make sure you protect your home. Contact Pizano Insurance today. You will be glad you did.