Monthly Archives: March 2023

How To Pick The Right Coverages For Your Vehicle

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No matter what vehicle you drive, whether a small electric car or a large truck, it’s always essential to think about picking the right coverages. Vehicle owners should consider what they need to be covered against and what they might not need. Ensuring you’re getting the right coverage is important whenever you’re considering getting a new policy.

At Pizano Insurance in Wayzata, MN, we help our clients understand what coverage they need. Here are a few tips for picking the appropriate coverage.

Think About The Expense Of Replacement

A critical factor for your vehicle insurance policy is the expense of replacement. You may carry a lower deductible and pay more monthly for your policy. If you were to have an accident that was your fault, you would have to pay the deductible. However, replacing your car could be costly. You don’t want to spend that much out of pocket if you could avoid it.

Understanding Collision And Comprehensive Coverage

You’ll also need to consider collision and comprehensive vehicle coverage. Collision coverage means that your insurance company can help pay for damage to your vehicle caused by a collision. Comprehensive coverage means that your insurance company will help pay for damage to your car other than a collision, such as vandalism or damage caused by a natural disaster.

Not carrying comprehensive coverage, for example, comes down to your risk tolerance because it’s not always required. For instance, if a flood damaged your car, you would pay for damages out of pocket if you didn’t carry comprehensive coverage. Other parts of your policy, like liability, medical payments, and uninsured motorist coverage, should also be discussed in more detail with your local insurance agent.

Contact Us About Auto Insurance In Wayzata, MN

Pizano Insurance can help ensure you get the proper lifestyle insurance. Call today to get a personalized estimate. 

How Often Should You Replace Your Roof in Wayzata, MN?

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One of the most important things to consider as a homeowner in Wayzata, MN is the age and condition of your roof. While roofs can last for many years, they eventually will need to be replaced. Knowing when and how often to replace your roof is essential to ensure your home stays safe and secure.

Asphalt Shingles 

People usually install asphalt shingles. They’re affordable and durable. However, It’s essential to inspect asphalt roofs regularly for signs of wear and tear, such as curling or cracking shingles, loose flashing, algae growth, etc. If you notice signs that your roof may be near its end, it’s essential to call a professional for an inspection. 

Metal Roofs 

Metal roofs are becoming more popular because of their durability and energy efficiency benefits. Metal roofs can last anywhere from 40 to 70 years with minimal maintenance. The longevity of metal roofs is because of their resistance to corrosion, rust, wind damage, and other environmental factors like hail or snowfall accumulation.

To find out how metal roofs are covered with your home insurance policy, contact Pizano Insurance Agency.

Tile Roofs 

Tile roofs are another popular option in Wayzata, MN, because of their beauty and waterproof protection against heavy rainfalls or snowstorms. Tile roofs consist of clay tiles that last anywhere from 30 to 50 years with regular maintenance, such as sealing gaps between tiles or clearing out debris from gutters/downspouts during fall/spring cleanups.

It’s essential to keep your roof well-maintained. If you experience storm damage, the condition of your roof can affect how your home insurance company handles your claim. It’s important to get a professional inspection every few years and make repairs as needed to keep your roof in good condition. For questions about your roof and home insurance policy, contact Pizano Insurance Agency. We’re happy to help you make the best decisions for protecting your home and family.