Three things to know before you choose a home insurance policy in Minnesota

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Insuring your home is an important thing to do. Your home is a valuable asset that you put a lot of time and effort into. At Pizano Insurance, we can provide you with a home insurance policy that will protect the investments you’ve made in your home. 

The following are three things to know before you choose a home insurance policy in Wayzata, MN. 

How to escrow insurance payments

Escrowing insurance payments is the most convenient way to make sure that your insurance payments are being made.

When payments are escrowed, your mortgage lender handles them for you. This way, you don’t have to handle them yourself and you don’t have to worry about missing them. 

Discuss escrowing your mortgage payments with your mortgage lender to make home insurance more convenient for you. 

The amount of coverage you need

A home insurance policy has certain maximum coverage limits on it. It’s important that your coverage maximums are not too low.

You want your policy to cover the full value of your home when it comes to damages. This means that you should know the actual market value of your home when you purchase your policy. 

The cost of your monthly premium

The cost of your monthly premiums is an essential consideration. You need to make your home insurance payment month after month. Otherwise, your home insurance policy could be canceled. 

You need to budget carefully to make sure you can afford your home insurance costs. Over time, home insurance is a considerable expense. You need to make sure you can afford the insurance costs of owning a home before you buy it. 

If you need help finding a home insurance policy in Wayzata, MN, let us know at Pizano Insurance. We’ll answer your questions and respond to your inquiries regarding your home insurance needs. 

Three important considerations when you’re purchasing auto insurance in Minnesota

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Choosing the right auto insurance policy is a priority for any motorist. Pizano Insurance is a provider of auto insurance and numerous other types of insurance in Wayzata, MN. 

If you’re on the market for auto insurance in Minnesota, you need to make sure you take the following three considerations into account in selecting your policy.

The frequency with which you drive

Auto insurance providers are going to want to know how frequently you use your vehicle. The more frequently you use your vehicle, the more your insurance costs are likely to be.

If you don’t drive very often, you can probably take advantage of lower auto insurance rates. Make sure you notify your auto insurance provider if you use your vehicle infrequently or don’t use it for a daily commute. 

How you use your vehicle

If you use your vehicle for work purposes, this is going to impact your auto insurance needs. You should make sure you specify that you use your vehicle for commercial purposes when you purchase auto insurance.

You’ll probably need to purchase commercial auto insurance coverage to make sure that you’re covered for business use in your vehicle. 

Whether you want collision coverage

One of the most important things to know is that coverage for damage to your own vehicle won’t be included in a standard liability coverage policy. You need to invest in collision coverage if you want damages to your vehicle to be covered.

It’s almost always a good idea to invest in collision coverage. However, you might want to forego this type of coverage if the value of your vehicle is not very high. 

Get started researching your auto insurance options in Wayzata, MN with our help at Pizano Insurance. Contact us with inquiries about our insurance products. 

How do I choose a home insurance policy in Wayzata?

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The Wayzata, MN area continues to offer a lot of local amenities to people that live in the area. When you are here and intend to make this area of Minnesota a permanent home, buying your property instead of renting is almost always a great option. If you would like to purchase a property here, you should spend thinking about your insurance needs. There are several tips to follow that can help you to choose a home insurance policy. 

Consider Requirements

The first factor to think about when you want to get a new home insurance policy is what your requirements will be. Most people in Wayzata that buy a home will also take out a mortgage. Anyone that has taken out a mortgage will also need to have the right insurance in place to satisfy their lender’s requirements. If you are going to get home insurance, you should check to make sure the policy complies with these required levels.

Personal Asset Coverage

Beyond providing coverage for your home, you will also receive coverage for your personal assets. When you do receive this coverage, it will give you a certain allotment to replace your personal items if they are damaged in a fire, bad weather, or stolen. If you have valuables that exceed this coverage, you should consider getting a policy rider to specifically cover these items.

As you are looking for home insurance in the Wayzata, MN area, you may find that there are a lot of decisions to make. The team at Pizano Insurance can make this easier for you. If you do call Pizano Insurance, you will get the support that is needed to build and choose a quality policy. This will give you great coverage and peace of mind. 

How to Keep Yourself Safe on the Road in Wayzata

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Whether you drive for two hours a week or several miles a day, the roads in Wayzata, MN can be a stressful place to be. Being safe from season to season is not just a matter of taking a few precautions, but of implementing better habits that you can use day after day. Pizano Insurance is here to give you a few tips to get you ready for anything that might come your way. 

Slow It Down 

When you go a little slower, you have that much more time to react to unexpected surprises that are just around the bend. Animals, car crashes, and wayward pedestrians are really just the beginning of what could lie ahead. If you can stop in time, you can avoid tragedies. There’s no shame in letting people pass you, so give yourself permission to put safety over urgency. 

Don’t Put Off Maintenance 

Your tires need air, your brakes need pads, and your timing belt needs to be functional. Putting maintenance off is common for drivers in Wayzata, MN, either because of time or financial constraints, but your safety (and the safety of others) shouldn’t be negotiable. Even in the modern age where everyone has a cell phone, you can’t count on having service if you break down in the wrong spot. 

Find the Right Partner 

There are some things that drivers simply can’t avoid. Whether it’s car theft or a blown-out tire, all you can try to do is minimize rather than eliminate your risk. If you’re looking for an auto insurance policy that will help you breathe a little easier, call Pizano Insurance today. We can help you find auto insurance in Wayzata that will keep you protected. 

Home insurance mistakes to avoid when you move into a new home

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Choosing your home insurance coverage is a big step in buying your home. You need to choose carefully to avoid costly mistakes. At Pizano Insurance, we can help you find the right home insurance option in Wayzata, MN.

The following are three home insurance mistakes it’s important to avoid when you buy a new home.

Failing to purchase enough coverage

Your home is going to be among your most valuable assets. Therefore, you need to make sure you protect it. Don’t try to save money by limiting the amount of coverage you buy for your home.

Ideally, you should invest in enough coverage to completely replace your home’s value in the event of a severe accident. You should also purchase enough home insurance coverage to protect your assets in the event of a liability lawsuit. 

Being unaware of coverage limitations

Make sure you read the fine print so that you are aware of the limitations of your home insurance policy. There are certain things that a standard home insurance policy is not likely to cover. One example is flood damage. You need to purchase separate flood damage coverage for damage caused by floods to be covered.

Buying the cheapest available policy

You make a big investment in owning a home. You’ll put your investment at risk if you purchase cut-rate home insurance coverage.

Make sure that the home insurance policy you purchase is dependable. Purchasing the cheapest available policy could compromise your investment in your home and lead to huge financial loss in the event of an accident. 

Are you on the market for home insurance in Wayzata, MN? Let us assist you with finding coverage for your home at Pizano Insurance. Contact us with your home insurance inquiries. 

When to Replace Your Car Battery

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You may be in a position where you’re starting to worry about your battery. Do you need to replace it? Staying safe on the road is a priority and the agents at Pizano Insurance in Wayzata, MN are here to guide you and help you understand when you need to replace your car’s battery.

How Long Should Car Batteries Last?

A car’s battery should be replaced every 4 to 5 years, but sometimes there are significant issues with the battery that may cause you to replace it sooner. The battery is the heart of the vehicle. If it is not working correctly, then your vehicle will not run as smoothly as you’d like.

What Affects the Battery’s Life?

All batteries will deteriorate over time. Leaving your vehicle unused for long stretches could speed up its deterioration. If you go on vacation and leave your vehicle at home, you might think about letting a neighbor or family member drive it occasionally to keep the battery charged.

Heat is another big factor that can damage a car battery. If you live in southern states or where it is mostly desert, your battery could take on too much heat and begin to swell. If you notice this, change it immediately. Check it regularly if you live in areas where overheating may be a problem.

The length of time you had the battery is a factor to consider. If you’ve had it for more than 4 years and you notice that your vehicle is slow to turn over, then you’ll need to look into replacing the battery.

If you’re in Wayzata, MN and you want to speak with an agent about insurance for your vehicle, the stop by Pizano Insurance. They are ready to get you started today.

Factors That Minnesota Residents Should Be Aware Of Heading Into The Winter Season

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Pizano Insurance assists the Wayzata, MN community, as well as the surrounding communities by offering residents multiple types of insurance policies. As an independent insurance agency, we are able to use our relationships with multiple companies to help our clients. We strive to help our clients find the insurance coverage that they need to protect their assets and secure their futures.

Adapting Your Home Insurance To Deal With Winter

Your home is one of your most valuable possessions. That’s why it is important that you protect it. Home insurance gives you peace of mind that regardless of the challenges that arise in the future, you will be covered. Home insurance allows you to protect your physical property, as well as the possessions inside your home. As a Minnesota resident, you are aware of how difficult the winter season can be. The inclement weather has the ability to cause serious damage to your home. That’s why it is important that you pay attention to some of these factors.

Cold Snaps

One of the most serious threats to your home during the winter is cold snaps. Cold snaps have the ability to damage pipes and cause them to burst. The result is potentially serious water damage throughout your home.

Snow Buildup On Your Roof

Another issue during the winter is the accumulation of snow on your roof. Snow buildup can cause water to start leaking throughout your home. The buildup may also clog your gutters, which can cause damage to the ceiling and wall. During extreme cases, the show buildup on your roof may cause your roof to cave in. Make sure that you have your roof inspected before the winter season starts to make sure that everything is secure.

Pizano Insurance Will Assist You

Navigating the harsh winters in Wayzata, MN can be difficult. Visit our website today to learn more about how we can help protect your investment.

Do I need auto insurance in Wayzata?

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For most people that live in the Wayzata, MN area, owning a car is needed in order for you to get around town. If you do own a car here, it is important to remember that it is a very important responsibility. One responsibility that all people who own a car here have is the need to get a quality auto insurance policy. There are several reasons why you need to get an auto insurance policy when you are here. 

Insurance Ensures Legal Compliance

One important reason to get auto insurance when you are in Wayzata is that it can ensure you remain in legal compliance. Those that are all over the state of Minnesota need to fully understand their legal obligations when it comes to driving. One important task that all people need to do is get auto insurance and maintain coverage. At a minimum, this needs to provide you with adequate levels of liability insurance. 

Insurance Covers Asset

You will also need to get auto insurance if you want to cover your asset. The purchase of a vehicle is a big one and investing in a quality insurance policy is a good investment. When you are looking for a new policy, you should look for one that offers collision and comprehensive protection. These levels of insurance will give you protection for virtually any situation that could result in a loss.

There are a lot of reasons why someone in Wayzata, MN should get auto insurance. When you are looking for your next policy, you should call Pizano Insurance. If you do reach out to Pizano Insurance, you can receive some very valuable guidance and support. The team here will help you to find and choose a policy that will properly protect you and your vehicle. 

What’s Involved in a Home Insurance Claim?

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Many people never want to have to deal with a disaster and the insurance of their home. It is something that can be unpleasant, to say the least. Hurricanes, floods, vandalism, among other events, can be unpredictable and unpreventable so having quality insurance is very important for such a big investment as your home.

Having an insurance provider you can trust is crucial if something major happens. That is why choosing a company that will look out for you. Pizano Insurance of Wayzata, MN has reliable agents who will take the time to get to know what your insurance needs are.

Beginning Stages of a Claim

If your home is damaged by an accident that was unforeseen, you are eligible to file a claim to cover expenses to repair your home. There is not a guarantee the claim will be approved, but the process must be started and your information collected. General repairs from age are not considered under a claim as they are not accidental in nature. You will need to contact your provider for more information during this process.

The Claim Process

Your insurance company might refer you to a damage repair company as a temporary measure to prevent further problems. Investigations must be made and an adjuster will be involved in the process. The insurance company will determine if a claim is to be paid. This payment can happen in different ways depending on your provider and conditions. It is good to have a trusted insurance company you can rely on during this whole procedure.

If you need help selecting the best home insurance policy, Pizano Insurance of Wayzata, MN can help. We have experienced agents who can answer your questions about policies and claims processes. Give us a call to schedule an appointment to speak to one of our representatives today.

The Most Common Myths About Auto Insurance

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Auto insurance can be difficult to understand, especially if you have never purchased it before. There are also many misconceptions and myths about car insurance that make it even more complicated. In order to help you make an informed decision, Pizano Insurance serving Wayzata, MN, and other surrounding communities has prepared the list of the most common auto insurance myths that everyone should know: 

  • The color of a car affects the cost of insurance.  Despite this common misconception, the color of your car does not affect your premium.  There are other factors affecting the cost of insurance, including the vehicle’s model, age, body type, engine size, the car’s safety features, and rating, and some others. 
  • Older drivers pay more for car insurance. Auto insurance does not go up with age. Actually, it is often just the opposite. Many drivers at the age of 55 and older can be qualified for discounts if they complete an accident prevention course successfully. 
  • Getting a traffic violation increases the cost of your insurance.  In fact, getting a traffic violation does not always increase your premium, especially if the violation was minor. If you want to keep your auto insurance at the same price, you need to maintain a clean driving record following the violation. 
  • It costs more to insure expensive cars.  The price of your car does not necessarily affect your insurance costs. However, if your car is costly to repair, then your insurance will be more expensive. 

There are many myths that make auto insurance so complicated to understand. If you are a resident of Wayzata, MN and you have doubts about car insurance, Pizano Insurance is ready to help and answer all the questions you may have. Do not hesitate to call us and let our experienced agents help you find a policy you and your vehicle deserve.