Author Archives: AgentInsure

Can I Make A Personal Injury Claim?

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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

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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

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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?

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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.

Make Sure Your Car is Covered in Insurance for the Winter

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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?

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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

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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

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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

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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

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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.