Make Sure Your Car is Covered in Insurance for the Winter

Minnesota is a beautiful state with a lot to offer anyone who lives or visits there. It is the home of the famous Mall of America, one of the largest indoor shopping malls in the world. Tons of local theaters, museums, orchestras, and art galleries line the streets of its cities and towns. People who are familiar with Laura Ingalls Wilder’s Little House on the Prairie book series will recognize Minnesota as the location for the third book in the series, On the Banks of Plum Creek (the book on which the Little House TV series was based). With lots of outdoor parks and stunning prairie scenery, Minnesota is a cultural treasure for the United States.

One thing about Minnesota that anyone who lives there knows well is that it gets very snowy in the winter. With the northernmost point of any of the 48 continental states in the nation, the people of Minnesota are used to cold, frigid temperatures, as well as ice and snow for many months during the year. This weather creates special driving conditions that even the most experienced winter drivers often find challenging. That is why it is so important to make sure your car is adequately covered to take care of any unforeseen traffic situations during these snowy months.

You may not have enough insurance coverage to pay for a replacement car or a liability lawsuit if you are involved in an accident in the snow. Talk to your local car insurance agent to make sure both you and your spouse are covered appropriately (especially if you only have one car). You can get an instant car insurance quote online with Pizano Insurance. When you get your quote, talk to an agent in person about your particular coverage needs. Your local agent knows Minnesota and can get you the best coverage at a reasonable price.

Is It Time to Review and Update Your Business Insurance in Plymouth, MN?

Whether you own a restaurant like Dino's or one of the stores within the Four Seasons Mall Shopping Center, you have invested a lot of time, effort and money into your business in Plymouth, MN. Therefore, you want to take the necessary steps to ensure it is fully protected. This is especially true in the event of an emergency, disaster, accident or disruption.

It isn't uncommon for businesses to not have the adequate amount of coverage for their business. In some cases, it isn't necessarily the amount of coverage, but the lack of the correct form of coverage. When your business is underinsured or uninsured, you are at risk of losing your business or at least suffering a huge loss.

Since changes in business occur frequently, it is important that you take the time to review your business insurance coverage. This should be done at least once a year. Some changes that are made throughout the year may require an update to your commercial insurance. Some instances when an upgrade may be necessary are as follows:

  • Have you expanded your business to a new location (which means a newly leased building)?

  • Have you expanded your business out of state?

  • Are you offering new products or services to your customers?

  • Did you add new equipment to your building?

  • Have you made any new vehicle purchases?

If you answered yes to even just one of the above questions, then it is time to consult with your independent commercial insurance agent in Plymouth. We can help ensure that your business is properly covered so that you can mitigate any losses that may occur in the future. When you're the scope of your company changes in any way, your business insurance needs to change too. Contact one of our independent agents within the 55447 community today to ensure your business is always fully protected.

Wayzata, MN Business Insurance

Wayzata, MN is home to some of the country’s most diverse neighborhoods. Containing top-rated schools, and situated upon the pristine Lake Minnetonka, Wayzata has been named from the Lakota Sioux tribe name: North Shore.

The area fosters a variety of wildlife and plant-life within its Kenwood destinations and local habitats. Additionally, the area’s stable housing market has granted industries a wide array of opportunities within its thriving economy.

Growth and Business Insurance

Thriving areas often accommodate well-rounded, diverse business atmospheres, and industry leaders require plans for liability coverage and daily operations. Commonly, small, medium and large-size businesses meet their day-to-day standards through obtainment of customized business plans.

Property Coverage

Within the physical realm, business property coverage is required for absorption of premises damage. Adequate coverage protects business owners in a variety of ways, including:

  • Protection from fire and water damage

  • Replacement and repair coverage

  • Absorption of operational expenses

Liability Coverage

Often, companies obtain commercial liability coverage to maintain operations during lawsuits and liability disagreements. Liability coverage similarly protects owners from customer injury and product-based damages, granting owners peace of mind while guaranteeing effective coverage.

Additional Coverage and Diverse Options

Many businesses require specialized business coverage—due to niche products, services and industry approaches. The following industries often thrive when equipped with customized insurance plans, making them outfitted for unique situations and approaches:

  • Sale of electronics

  • Contracting services

  • High-volume consumer visitation

Unique situations require custom-tailored business plans, and our expansive database has compiled a variety of insurance quotes suitable for expansion and success. When risk is involved, businesses should be prepared—and no situation is alike. Specialized needs require specialized coverage, and agent-suggested insurance plans often accommodate for a variety of situations, making industry leaders capable of achieving the best while preparing for the worst.

Save On Home Insurance In Hopkins

Hopkins is a 100 percent urban city in MN. The median household income in the city is lower than elsewhere in the state and that’s why it’s more important than ever to save on home insurance. Whether you’re in the 55305 ZIP code or elsewhere in the city, you want your home to be protected.

From snow in the winter to rain in the summer, your home goes through a lot and you want to make sure to expect the unexpected. Home insurance in Hopkins can be cheaper than you think – and that’s why we have independent agents to help find the policy. We are prepared to answer any questions you may have, including such topics as:

– The importance of comparison shopping

– The various forms of coverage

– What levels of liability you need

– The cost of your annual premium

Home insurance is a must if you have a mortgage and even if you own your home outright, the insurance is going to save you a lot of money in the event that something happens in the 55305 area of MN. You don’t want to find out that your roof has been damaged from the snow only to learn that the repairs have to be covered out of your pocket.

As independent agents, we are not allegiant to any one insurance company. Our primary goal is to help you save on insurance in Hopkins and we do this by taking the time to find out more about your home in the 55305 ZIP code, what the value is, and what levels of coverage you actually need. From there, we can begin finding savings for you.

Find out how to save on insurance with the help of our independent agents today!

Saving Money on Home Insurance in Albertville, MN

If the bottom line of your address reads Albertville, MN 55301, statistically speaking, it would suggest that you are a member of the middle-class, probably live in a single-family home, and your kids attend good public schools. Living in this family-friendly community of roughly 7,000 people, about halfway between Minneapolis and St. Cloud, you can shop for discounted designer brands at the Premium Outlets or go to Sassy Seconds to get a bargain on a gently-worn prom dress for your daughter,

Not too much happens around Albertville. The crime rate is low and most people live the typical suburban life. Purchasing a home of your own is a major accomplishment and a source of great pride. You want your house to be the best looking house on the block no matter where you may live. In the summer, you mow the lawn and trim the hedges. In the winter, you shovel the snow from your driveway. You take good care of your house, but there is always the chance that something major goes wrong. It is just for those rare instances that you need to carry homeowners insurance.

Whether your mortgage company requires it or you make the choice to buy a policy, you should try to find the least-expensive home insurance that will provide the coverage you need. You can save some money by doing things like installing an alarm system or purchasing a home policy from the same company that insures your car, but that will only go so far.

If you want to be sure you are getting the most favorable rate on the coverage you need, the smartest thing to do is to visit a home insurance agency and speak to an experienced independent agent. Your independent agent can get quotes and compare rates among all of the top insurance companies. See how your Albertville home insurance agency can save you money on the coverage you need. Why pay more than you have to?

Classic Car Insurance: Hopkins, MN 55305

Classic Car Insurance: Hopkins, MN 55305

We love our classic car shows in Minnesota. When we’re not cruising down HWY 69 or around Park Valley a car show is where you would likely find us classic car enthusiasts. You’ve spent a lot of money and time on your car whether it is a vintage, classic/collectible or an antique you need the best insurance money can buy.

The Three Types of “Classic Cars”

Classic cars are also commonly called collector cars.

  • Vintage – A car that is generally three of four decades old like a 1981 Ferrari-308
  • Classic/Collectible – A classic car is usually from the late 50’s to the mid 60’s like a 1957 Chevy or 1966 Mustang
  • Antique – An antique car is from the 20’s or 30’s like a Ford Model T or a Phantom II

Classic Car Insurance

The classic car insurance generally provides more protection than the car insurance you would purchase for your primary car. As the case often is classic cars may need parts that are rare and expensive. In addition, you probably only drive the care occasionally, so you may be able to get a better rate on your classic car insurance because it spends part of the year sitting in a garage.

Insurance Coverage for a Classic Car

Insuring a classic car is a bit more difficult than insuring a regular car, there are things you have to take into consideration such as the cost of parts and repair, the market value of the car may not be the same as the true value. These two things need to be discussed with the insurer and put into the policy before you pay for it.

Aside from those two things, classic car insurance is just like regular car insurance, except you would have complete collision in the event of an accident. You would also have a higher amount of property damage coverage and depending on the type of car perhaps a sports car you may want more bodily injury insurance coverage.

Make sure you get the best classic car insurance coverage you need, after all, vintage, classic/collectible, antique cars are special. Instead, easily compare quotes online with Pizano Insurance to find out what is available.

Facts About Car Insurance

Throughout Plymouth, MN, you will find that there are all sorts of things to see and do. You not only have the metropolitan area of Minneapolis close by, but you have a growing population as well. When you’re out on the roads, you can experience all sorts of weather patterns throughout the year.

By paying attention to the kind of car insurance you have, you maintain peace of mind knowing that you and your car is protected. All sorts of coverage levels are available on your car in MN and this includes the state mandated liability insurance as well as:

– Hail damage

– Collision coverage

– Comprehensive coverage

– Much more

Something as simple as clear coat can be damaged from all sorts of things, including hail damage. When this happens, the paint itself is more vulnerable and this can lead to rust and a less than attractive appearance on your car. When exposed to the rain and snow of MN, this is the last thing you want to deal with.

We take the time to find you coverage you can count on. This way, if you are involved in an accident, experience hail damage, or anything else, you will be able to make a claim. With more coverage, you can avoid having your claim in Plymouth denied, which is the worst thing that could happen. We take the time to go over coverage levels with you and find a policy that is not only affordable but that will give you confidence while out on the roads.

Let us help you find car insurance in Plymouth that you can count on to ensure your clear coat and the rest of your car can be repaired after something has happened to it.

Start getting insurance quotes today!

Tips For Home Insurance In Albertville

Are you searching for home insurance in Albertville, MN 55301? Throughout this area, there are some gorgeous homes and with parks and golf courses nearby, you can always find something to do. Whether you live in a gated community or not, you want to ensure your home is not left vulnerable to all levels of damage.

Let us help you find cheap home insurance in Albertville that allows you to file claims for carpet damage, roof repairs, and more.

We can help you to find the best policy and there are some tips to help you get the needed level of coverage.

– Compare rates to get a cheap premium

– Look for the various types of coverage, including for carpet damage

– Read the fine print on liability levels

The last thing you want is to experience carpet damage because of a flood and not be able to file a claim. Your home insurance in Albertville, MN 55301 matters and you cannot allow just any company to help you. Our knowledgeable agents will customize a policy to your needs and answer any questions you may have about coverage.

Your policy price is calculated based on various factors. While you want cheap premiums, you also want a high level of coverage. If you have a home in the MN 55301 area versus another area, this could impact your costs due to home prices as well as crime rates. The value of your home, the number of possessions you have and the presence of a security system is going to impact your policy costs as well. We take the time to make comparisons and ensure you get the best of the best in terms of insurance for your home.

Start comparing rates on insurance by contacting us today!

How Automobile Insurance Agents Can Help In Plymouth

Plymouth, MN is one of the larger cities in the state and has a growing population. It is one of the 15th largest metropolitan areas of the city, being so close to Minneapolis. There are always things to do, including visiting art galleries, the growing restaurant scene, and various community events that take place throughout the year.

Wind, snow, fog, and other weather patterns can make it difficult to stay safe on the roads of MN, which is why you want to work with our automobile insurance agents. We take the time to find you the best policy in the 55447 ZIP code and ensure that you have the coverage that’s desired.

You want to be covered in all instances, including if someone does a hit-and-run or if your car gets hit by a shopping cart in the parking lot. Don’t assume that your coverage is inclusive of it all because there are various options when it comes to buying car insurance in Plymouth.

Our automobile insurance agents in Plymouth, MN will talk to you about the liability requirements of the state as well as options, such as comprehensive and collision coverage. This will allow you to gain more peace of mind when you’re driving down the highway and parking in a local parking lot. Throughout the 55447 area and more, there are ways to reduce your premiums and we will help you to find all the discounts.

Comparing rates is critical and there could be subtle differences within the 55447 zip and others as well as how insurance companies look at a hit in a parking lot, speeding tickets, and more. We take the time to get multiple rates so you have some forms of comparison.

Contact our automobile insurance agents today for a free quote!

How You Can Get a Boat Insurance Quote

Every year people set out with their boats and explore the water ways of Albertville, MN 55301. Each time a person puts their boat in the water, they run the risk of sustaining prop damage from the boat ramp. All the person has to do is to forget to raise the prop and it can be damaged from impacting the cement boat ramp. If you are looking to protect your boat, then there is a chance you need a boat insurance policy.

What You Need to Have To Get a Boat Insurance Quote

  • In order for you to get an insurance quote for your boat you will want to have the registration number and the serial number of the boat. Your agent will need these numbers in order to specify which craft the insurance policy belongs to.
  • Know what coverage benefits you will need to have on the policy. If you have a lot of fishing gear or personal items on your craft, then you will need a policy with coverage designed to replace personal items.
  • You will also need to know the year of build of the boat and how long it is. Your agent will use this information to help set the premium for your new insurance policy.

Every year people look to obtain an insurance policy to protect their personal belongings. If you own a boat and are looking to protect the investment, then you need to call us today. As your local agent we can provide you with specific information about your policy. Call us today and let us get you the protection you need to cover and protect your family and boat from financial problems.