Author Archives: AgentInsure

Wake Up! Don’t Get Behind The Wheel Drowsy

Posted on by

When you live in Wayzata, MN it’s important to be safe behind the wheel. Thousands of accidents happen every year simply because people are driving drowsy. The CDC estimates that thousands of additional accidents happen, though they are not reported to the police.

Even if you have auto insurance, the amount of damage that can take place because of falling asleep at the wheel can be expensive. It can also cost you your life, or the life of others.

If you are feeling drowsy, you don’t want to get behind the steering wheel. What you do want to do is admit that you are tired and get someone else to drive you home, and even a taxi company can be called to help you out.

Whenever you are going for a long-distance drive, it’s good to have someone else in the car with you. They can help to keep you alert, and if they are a licensed driver, they can take over some of the driving responsibilities as well. By swapping off, you ensure that neither one of you get too tired.

It’s also good idea to stop driving after a few hours and take a break. Get out, walk around, and even drink something caffeinated. This will help to ensure you are aware of your surroundings once you get back behind the wheel.

Anything can happen on the roads of Minnesota and anywhere else. You want to be prepared and that means not driving drowsy. The last thing you want to have happen is to fall asleep behind the wheel and wake up just in time for an accident.

Contact one of our agents at Pizano Insurance today and let us find quotes, explain policies, and help you to get a policy that you can rely on.

 

Prep Your BBQ For Summer Fun

Posted on by

When you live in Wayzata, MN, spending time out on the grill can be one of the greatest ways to spend an afternoon. To ensure you have plenty of fun or the summer, you want to make sure to prep your BBQ, and this will allow you to focus on safety as well.

If you cook with gas, the tank needs to be inspected periodically. This can be done by professional or you can do it on your own. You want to check for any rusting around the connections as well as leaks throughout the tank.

Grill needs to be cleaned thoroughly in between uses. If there is a lot of caked on grease and fat it can lead to smoke, fire, and much more. Investing in a wire brush can help this task tremendously.

Keep a fire extinguisher and keep it close to the grill. You will also want to make sure you know how to use it so that if there is a fire, you will know exactly what needs to be done. A small spray bottle filled with water should also be kept close as a way of extinguishing small flare-ups.

Always grill away from the house. If there is a fire on the grill, you don’t want your house to catch on fire as well. This means that it should never be set up underneath an awning or inside of a screened in patio.

Whenever the grill is lit, be sure that you are out there, attending everything. You never want to walk away when there is an open gas line and flames within the grill.

Call Pizano Insurance today and let us help you every step of the way. We can help to find insurance quotes, answer questions, and more about a homeowner’s policy in Minnesota.

 

Three Circumstances That Affect Your Ability to Drive Your Motorcycle

Posted on by

Motorcyclists in Wayzata feel compelled to hit the open road with their bikes. The power of the motorcycle coupled with the feeling of oneness with the motorcycle is exhilarating. If you are a motorcyclist, you know the feeling all too well and you long to experience it each and every day. However, before you turn the ignition, avoid driving when you are facing the following three circumstances.

Drinking at a Social Event
When the weather warms, most people like to be outdoors more. In fact, your friend’s barbeque is the perfect event to show off your new motorcycle. If you partake in spirits, driving your motorcycle is off limits. Drinking reduces your ability to respond and can lead to an accident. If you damage another person’s property and your motorcycle, you may take a hit on your liability and collision motorcycle insurance coverage. Be safe, and don’t drink and drive.

After an Argument
When it is hot outside, tempers can flare up easily. If you are involved in an argument, you should not drive. Your anger may make you more inclined to drive faster or reckless, which places you and everyone around you in danger. For instance, your anger may compel you to do something dangerous, like speeding, which could lead to a ticket. Ultimately, you risk your motorcycle insurance increasing when you drive angry.

Low Visibility
During the summer, moisture in the air may create a thick fog during the early mornings that limit your vision. When it is challenging to see ahead of you, it’s best to drive a car, which has brighter lights to improve your visibility. Additionally, you will have more protection in a vehicle compared to a motorcycle if you are in a collision. Don’t jeopardize your motorcycle insurance when it’s foggy out.

Add Umbrella Insurance for Added Protection
With the possibility of getting into an accident ever-present, purchasing umbrella insurance complements your motorcycle insurance. With umbrella insurance, you have additional liability coverage that may repair or replace another person’s property if the damage exceeds your liability limits on your motorcycle insurance policy. When you are ready to purchase umbrella insurance, contact us so that we can review your options.

 

Umbrella Insurance Enhances Your Liability Protection

Posted on by

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.
 

 

Are There Leaks in Your Albertville, MN Business Insurance?

Posted on by

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.

3 Ways Your Commercial Insurance Can Negatively Surprise You

Posted on by

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.

Can I Make A Personal Injury Claim?

Posted on by

Albertville, MN is a small town within the state that offers a number of stunning neighborhoods and communities. The homes are priced within the average as found within the state, though salaries of the homeowners are considerably higher than state average. With a population of only around 7,000 people in the 55301 area, there is also a surprising number of things to do.

When you have homeowners insurance, you will often have the ability to make a personal injury claim with the insurance company. This means that if someone hurts themselves on your property and then comes after you for financial responsibility, you can turn to the insurance company for assistance.

There are many reasons why someone would make a personal injury claim against you in Albertville. Much of it has to do with how badly they hurt themselves or how negligent you were in keeping your property safe in the 55301 area.

Top reasons for a claim include:

– Slip and fall

– Injury down the stairs

– Problems with ice outside

– DUI from a party held at your home

Whatever the reason and whomever the person is, if you have personal injury claim coverage on your homeowner’s insurance policy, you will be able to file the claim with the insurance company and have them handle everything. This includes covering any legal expenses as well as paying the actual claim.

The extent to which an insurance company will help in MN will depend on the coverage you actually have. Coverage levels can vary dramatically from policy to policy.

We have insurance agents to help you get the coverage you need. This way, if someone experiences an injury on your property, you have peace of mind knowing it isn’t going to cost more than your deductible.

Weather the Storm: Protect Your Home After Roof Damage with Homeowners Insurance

Posted on by

Although many Minnesota residents would like to think that the weather in our state is just right, mother nature can often surprise us. Whether you live near Lake Minnetonka or in the thriving metropolis that is Minneapolis, unexpected and severe weather can damage your home at a moment’s notice. That is why protecting your property and your assets with a great insurance policy is so important.

Prepare for the Storm with Homeowners Insurance

Because insurance laws vary from state to state it can be hard to know where to start when shopping for the best policy. And while the state minimum requirement in Minnesota may have been enough for your lender to give the okay, it may not have the additional coverage options that you want and need.

As your local, independent agency we want to make sure your home is protected from seasonal storm, roof and fire damage. That is why we believe shopping for the right policy should be quick and straightforward. We can easily help you to get quotes from major national providers so you can get the coverage that fits your needs and your budget.

Get a Quote Online Today

Shopping for insurance doesn’t have to be a difficult task. It’s simple and easy to find comprehensive and affordable coverage online in just minutes with Pizano Insurance. We can help you get the coverage you need today.

Don’t let leave your family out in the cold when dealing with roof damage. Instead give them peace of mind with a homeowners insurance policy that will protect you from the unexpected. Contact Pizano Insurance online today to quickly shop and compare quotes with ease.

How The Best Agents Can Help You With Insurance In Albertville

Posted on by

Albertville, MN is a small town in Wright County with a population of only about 7,000 people. The major employer is that of an outlet mall and this means that many people will commute to some of the surrounding areas. Education is held as a top focus within the town and there are plenty of recreational things to do, particularly in the winter months.

When you shop for car insurance in the 55301 area, you want to work with the best agents because they can explain coverage levels as well as help you to get quotes. Some of the coverage options within MN include:

– Liability insurance

– Collision

– Comprehensive

– Uninsured motorist

– Rental coverage

All of these things have to be taken into consideration as they can affect the quotes and the premiums. You want the highest level of coverage possible so you are not out of pocket more than the deductible if involved in a car accident.

Further, you want to make sure you can get the car repaired when something happens, even if it didn’t happen when you were behind the wheel. This can involve rocks thrown at your car, hail damage, and more.

We have agents to help you with insurance in Albertville. Not only will we make sure you are meeting the minimum car insurance requirements for MN but also explain other coverage options. This way, if something happens to your car in the 55301 ZIP code or anywhere else, your coverage takes care of the issue so you don’t have to. All you will have to pay is the deductible.

When you are ready to learn more about insurance and how much it’s going to cost, call us. We have some of the best agents around to help with quotes and more.

Does your car insurance cover friends in Wayzata, MN with learners permits?

Posted on by

It’s a situation that many teenagers who have their own car eventually face. A friend wants to drive your car; perhaps they want to go the Dakota Rail Trail or Wayzata Beach. They only have a learners permit, though. Will your insurance cover them while they drive your car around Wayzata, MN?

Most Policies Cover Permissive Users

Assuming you grant your friend permission to take your vehicle, they will be a “permissive user.” A permissive user is simply someone who you let use your car. They do have to be legally licensed to drive, which, in this case, means a licensed driver would also have to be in the car.

As long as your friend is driving legally, most auto insurance policies would cover them. Car insurance policies generally follow the car, so they would be covered under your policy and protected by its limits. The question thus is whether your policy covers permissive drivers, and the majority of standard policies do cover permissive drivers.

There are Some Outliers

Occasionally, however, a car insurance policy will exclude certain drivers. If a policy does exclude certain drivers, it may not cover anyone, except you, who is under 25 years of age. If this is the case, your friend would not be insured by your policy. Both your friend and you, as the vehicle's owner, would be personally responsible for any accident that your friend got into.

Most of the policies that exclude young drivers are for classic cars, but sometimes teenagers opt for such a policy to keep their premiums low. It is important to check your specific policy’s terms and exclusions.

Ask an Agent

To know for sure whether your friend would be protected, call one of our agents. One of our team members at Pizano Insurance can go over your policy with you to see how it would extend coverage in this situation. If it would exclude your friend, we could provide you with competitive quotes that do not have such an exclusion.