When you live in Wayzata, Minnesota, having a life insurance policy is important. You don’t want to believe all of the myths that you hear because it can lead you into purchasing a policy that has insufficient coverage.

There are plenty of myths out there, and no one is quite sure as to where they got started. Sometimes it is because people purchase a policy without truly knowing anything about what it is that they are buying. Not all agents are honest and therefore they will say anything in order to sell someone a policy.

For example, there is the myth about 95% of life insurance policies never paying out. This is only true of term life and that is because people need to “guess” at how long they are going to live. Coverage options range from 5 to 30 years.

While term is the most affordable option for life insurance, you can also look at whole and universal life. These can provide cash values that can be used later in life, such as being able to afford your retirement years.

Some life insurance facts that you need to be aware of that surfaced as a result of myths include:

• You can be any age to get a life insurance policy
• Poor health does not exclude you from getting a policy
• Multiple quotes should be obtained in order to compare pricing

Knowing more about life insurance as a whole will make it easier for you to get a policy that you can rely on.

Call us at Pizano Insurance today to learn more about your life insurance options. We are here to help you however we can, including answering questions that you may have about coverage and obtaining quotes from some of the best insurance companies that write policies in Minnesota.

Do you have insurance for your small business in Wayzata, MN? You have no way of knowing what is going to come your way, but you can be prepared for everything with the right coverage. Two types of coverage most businesses should consider – at minimum – are:

1. Property Damage – With the right insurance, you can protect the equipment, furniture and other items within your business. After all, you never know when a burglar is going to target your business or when a fire is going to occur at your storefront. By taking the time to obtain the most appropriate insurance, you can be fully prepared to weather the storm that comes with a fire, flood or other event that causes business property damage.
2. Liability – Whether you work with clients in your own office or their place of business, it is crucial that you have coverage to protect you in the event that your client is hurt in one way or another, such as tripping and falling over your briefcase. Liability insurance for your business in Wayzata will help protect your business from various legal claims, including bodily injury, medical costs and property damage.

Business Insurance Policies Can Be Customized

Depending on the type of business that you operate, you may need additional coverage. A larger company with employees may need to be protected in the event of employee misconduct while a smaller business that focuses on IT may need a policy that will cover electronic data loss. You can get quotes on a variety of coverages so that you can create a business policy that meets your needs as well as your budget.

Business Insurance Is Complex – Get Help!

The options for business insurance are endless, which can make it difficult to choose the right policy for you and your business. Luckily, that's where the independent agents of our business insurance agency in Minnesota come in. We can discuss with you what options are available and help you determine the types and levels of coverage that are necessary to limit your risk and protect your business.

When you live in Wayzata, Minnesota, you want to look out for your pets, especially during the summertime. There are several safety tips that you can keep in mind to ensure that they are safe and healthy not only during the summer months, but through the entire year.

1. Exercise Hours
   The exercise hours that you keep with your pet should be outside of the middle of the day. Don’t go out when it is the hottest. Try to exercise during the early morning hours or later in the evening. Whenever you are outside, be sure to take breaks in the shade as well.
2. Hydration 
   Keep your pets hydrated at all times, and this includes when they are indoors. Instead of giving them dry food alone, mix some wet food in as well. When you do go outside, bring a bottle of water specifically for your pet.
3. Avoid Leaving Your Pet in a Parked Car
   Never leave your pet inside of a parked car. It gets very hot and they can overheat quickly.
4. Cover the Paws
   The concrete can get very hot and you want to make sure to cover your pet’s paws so their pads don’t burn. You can go into a pet store and buy booties or pad protectors for this very purpose.
5. Be Bug Conscious
   There are more bugs out during the summer then at any other time. Fleas, ticks, and heartworms can be detrimental to your pet’s health and even cause death. There are various forms of protection, and you can talk to your vet about proper medication for your pet.

Call us at Pizano Insurance today to learn more about home insurance and how to keep everyone in your home safe, including your four-legged family members.

Umbrella Insurance Enhances Your Liability Coverage

With the weather warming, Wayzata can become extremely busy with tourists and locals. Many people’s desire to experience a piece of Wayzata can increase your risks when you are driving a motorcycle, so it is important to have enough insurance coverage. If you want more liability insurance, then purchasing an umbrella insurance policy will enhance your existing coverage.

What Does Umbrella Insurance Coverage?
Umbrella insurance is an extra insurance coverage motorcyclists can purchase to ensure they have enough liability coverage when they damage another person’s property. Without umbrella insurance, you may be responsible for paying the difference between your motorcycle’s liability limit and the damage you caused to one’s property.

How Umbrella Insurance Complements Your Motorcycle Insurance
Most states require motorcyclists to carry the minimum motorcycle insurance coverage, including the great state of Minnesota. However, with the costs of repairs and replacement increasing steadily, carrying the minimum liability coverage may place you at a disadvantage financially. For instance, if you crash into someone’s home or have an accident with an expensive car, the costs of repairs may easily exceed your liability coverage. Fortunately, motorcyclists with additional umbrella insurance won’t have to worry about insurance deficits since their umbrella insurance policy may cover the difference.

How to Purchase Umbrella Insurance for Your Motorcycle
Purchasing umbrella insurance is similar to purchasing insurance for your motorcycle. By calling our insurance office, we can provide you with a quote that will give you the additional liability insurance coverage you need to have peace of mind during the upcoming tourist season. With the ability to make the policy effective immediately, adding an umbrella insurance policy to your existing motorcycle insurance coverage can potentially safeguard your finances and your family’s current lifestyle. Give us a call to see what amount of umbrella insurance is right for you.
 

There may only be less than 8,000 residents in the City of Albertville, MN but percentage-wise, our population is skyrocketing. According to the U.S. Census, from 1980 to 1990, our population more than doubled, going from 564 to 1251 residents. Then from 1990 to 2000, it almost tripled to 3621 people. In the last Census in 2010, we almost doubled our population again, growing to 7,044. We guess that is why the city uses the motto “Small Town Living. Big City Life.”

This has been good for area business, but it may cause leaks in their business insurance. This can come from growing businesses that do not have appropriate coverage that has kept up with that growth. Do you have leaks in your business insurance?

A business insurance review can help detect these leaks. It can determine if your liability coverage is keeping up. It can tell you if you have the coverage on your inventory you need. It will tell you if your equipment and growing computer and data bases are covered properly. It can even tell what water damages you’re insured from.

If you do business in the 55301 zip code, our independent agents can review your commercial insurance policy to determine your current coverage. If it is inadequate, we can help you fix those leaks. We can seek out multiple quotes from a variety of companies to get you a price on that coverage you can afford.

Give us a try. Visit our website and request a quote on your homeowners and auto insurance. We think you’ll find us an easy way to save you money. We also believe you’ll then try us for your business insurance.

Contact us today. We are Pizano Insurance and we are proud to serve our growing Albertville area.

There are some surprising things about Wayzata, MN, especially to non-locals. The town was the place where William H. Macy’s character in the movie Fargo was to purchase a parking lot. Much of the 1999 film featuring Kirsten Dunst and Kirstie Alley called “Drop Dead Gorgeous” was filmed here. People are also pleasantly surprised at the recreational opportunities that abound in the small town.

Some surprises are interesting and fun, others, not so much. If you own a business in the Wayzata area, here are three ways your commercial insurance can negatively surprise you.

1. An increase in price. Many times you don’t even see it coming. Then you get the notice of a significant increase in the costs of your business insurance. This is a time many business owners will go shopping.
2. You find out you are not covered for a specific loss. This can be as uncomfortable for your agent as it is for you. This is why an occasional business insurance review is important. Your business is likely changing and you want to make sure your coverage is keeping up with it.
3. You’re not sufficiently covered for a claim. Discovering that your limits are inadequate after suffering a loss can be a significant problem. Areas like your electronics and computers can be expensive to replace and reinstall properly. Having your insurance come up short can be costly.

At Pizano Insurance, we are an independent agency that serves Wayzata area businesses and homeowners. Due to the fact that we are independent agents gives us the opportunity to shop many companies for coverage that won’t disappoint you. You can get a homeowners insurance or an automobile insurance quote online at our website. If you would like to know more about our commercial coverage, please contact us. We’re Pizano Insurance and we look forward to serving you.