Does Auto Insurance Cover Special Additions To Your Vehicle?

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Many people take great pride in owning their vehicle. There are some that go the extra mile and customize their automobile to be a reflection of their personality or interests. Many of these additions and customizations are expensive and can increase the value of a vehicle.

Covering Custom Vehicles 

If you are the owner of a vehicle that has been modified or customized, you may be concerned that your regular auto insurance won’t provide the necessary coverage you need to avoid a loss during a covered event. If you have made significant and costly modifications, you may want to choose the maximum amount of full coverage. If that doesn’t equal the appraised value of the car or truck in question, there may be other insurance options that will provide the security you need while on the road or when you are parked somewhere. Ask your insurance provider for recommendations and to help review coverage to ensure you don’t have gaps.

Finding A Reputable Agent

One of the best ways to protect your vehicle, especially if it has been heavily modified and customized, is to work with an agency that has experience providing special auto coverage for your situation. If you are living in or around the Wayzata, MN area, you should consult Pizano Insurance for more details about your options and information about special coverage necessary to prevent losses. The agents have vast experience and know how to work with special cases to get the best results. 

If you have a customized vehicle and are worried about adequate coverage, you should call or stop by Pizano Insurance serving Wayzata, MN. They can give you answers to your questions and work closely with you to get the results you want. 

Homeowner’s Insurance Can Protect You From Slip and Fall Liabillity

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Slip and fall claims can be brought against you for many reasons, including sidewalk falls, stairwell accidents and flooring-related slips. Typically, these incidents are covered under a homeowners insurance policy. If you have any questions on what type of homeowner’s insurance you need, contact a representative from Pizano Insurance in Wayzata, MN. In the meantime, here is some information to help you understand your legal rights and obligations regarding other people who visit your property.

Types of Slips and Falls 

Stairway accidents are often caused by objects left on the stairs, while sidewalk accidents often happen when someone slips on ice or snow, or trips on uneven sidewalks. Inside the home, accidents often occur as the result of a guest slipping on uneven or slippery floors.

Regardless of the type of slip or fall, it’s not automatically the homeowner’s responsibility. In order to win a slip and fall case, the injured party needs to show the owner’s negligence caused or contributed to the conditions causing the injury.

This is determined by proving the owner was or was not reasonably safe. For example, homeowners are usually held responsible for keeping the areas where visitors walk safely. A big exception to this is someone who’s committing a crime on the property.

Homeowners’ Insurance and Slip and Fall Claims

If you are liable for an injury that occurred on your property, the next question is whether it’s covered by your homeowner’s insurance policy.
Most policies coverslip and fall injuries as long as the owner didn’t intentionally cause the accident.

Homeowners’ have two types of insurance coverage, liability and no-fault medical. 

Liability covers someone injured on your property. However, if the medical expenses exceed your policy limits, you may have to pay the difference.  Medical coverage, called “no-fault medical coverage.” pays for injured person’s medical treatment, whether the owner is at fault or not.

If you want to learn more about your current policy in Wayzata, MN or determine if there’s another that’s better for you, call Pizano Insurance to set up an appointment for a free quote.

What Happens if I Don’t Have Auto Insurance

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If you own a car in the Wayzata, MN area, you are responsible for carrying auto insurance whenever you are out on the road. While it is a requirement under the law, not all people comply with this requirement. If you do not have auto insurance and still drive, there are a number of things that could happen. 

Face Significant Penalties

If you do not have car insurance and are caught driving without it, one thing that could happen is that you could face very serious penalties. Driving without insurance is against the law in people that are caught doing it could be fined a monetary penalty, lose their driving privileges, and potentially face imprisonment. These penalties tend to get worse if you are a repeat offender.

Face Substantial Liability

Another risk of driving without auto insurance is that you could face substantial liability. One of the benefits of auto insurance is that it will give you protection if you are at fault in an accident. Even if you do not have auto insurance, you are still responsible for any loss that is incurred. If you are not able to reimburse the other party in an accident, further legal action could be taken against you. 

Lose Car

Finally, if your car is damaged in an accident and you do not have insurance, you could lose your car. Since a car is expensive to replace, you will want to make sure you have collision and comprehensive coverage in place to cover a variety of losses.

If you own a car in the Wayzata, MN area, you should reach out to Pizano Insurance today. The team at Pizano Insurance knows the importance of having auto insurance in place at all times. This company can also explain your auto insurance options and make sure that you have the right level of coverage.

How Soon Should You Inform Your Insurance Company If Your Home Is Damaged?

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When you discover that your home has been damaged by inclement weather, vandals, or someone trying to break in, you need to report it your insurance company immediately. If the damage is related to a break-in, notifying the authorities is a must and should never go without being reported. If you live in Wayzata, MN, you can rely on the agents of Pizano Insurance to help you get through an incredibly stressful time.

Time Is Of the Essence

Never wait to report damage. Notify your insurance company immediately so they can evaluate the damages and allow you to get the estimates you need. This will allow you to get the ball rolling and your home back to its original condition in a short amount of time. Reporting damage as soon as it occurs not only saves time, it also allows the damage to be seen while it’s still "fresh". This ensures the agent gets an accurate accounting of the damage.

Know What Your Policies Cover

It’s important to know what types of damage your homeowner’s policy covers. Even if the damage is something that is not covered by your policy, it’s important to let your insurance company know about it. If you would make the repairs and it would increase the value of your home, the insurance company needs to know so they can reflect that change in your policy.

At Pizano Insurance, you can get the answers you need about how to handle a claim if your home has been damaged in any way. If you live in the Wayzata, MN area, call and speak to one of their licensed agents today. They can perform an audit on your existing homeowner’s policy and answer any questions you may have. Peace of mind is valuable and they can make sure you have it!

The Insurance Your Dream Car Dreams About

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Dreams Become Reality

When you’ve saved and sacrificed for your dream car, don’t waste your efforts by using inadequate auto insurance. It can be confusing to consider all the different auto policies that are out there, however. How do you find the answers to your insurance questions? At Pizano Insurance serving the Wayzata, MN neighborhoods and communities, we’d be more than happy to discuss your auto insurance. We’ll not only answer questions, but we’ll show you the latest policies available from multiple national providers and help you sign up right there. You can come in with questions and confusion, and go out with answers, knowledge, and confidence about your insurance. Your dream car will thank you!

Your Auto Insurance Begins With Us

When you sit down with one of our agents, we will access a database of reliable insurance policy providers from around the country:

  • The Hartford
  • AAA
  • Progressive
  • Kemper
  • Allied Insurance
  • MetLife
  • Safeco Insurance
  • State Auto
  • Travelers

These companies have a long record of customer satisfaction, excellent coverage policies, and reliable service in Minnesota. Only the highest standards in service will provide the best insurance to our customers who are looking for peace of mind concerning the vehicles that mean so much to them. Here in the Wayzata, MN community, we are proud of our relationship with the people and businesses that have built today’s neighborhoods. We want everyone to be safe on the roads and smart in their insurance, just in case.

Make The Change Now

If you’re a new car owner then you might have a lot of questions. Come in and discuss them with us at Pizano Insurance. If you’re an experienced car owner and need to know what kinds of policies are out there that might serve you better than what you already have, then call or visit today. Let us be the Minnesota insurance authority that leads to your dream insurance coverage.  

 

Tips to Help You Get a Home Insurance Cover

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Acquiring home insurance is a necessity for it covers you in cases of unexpected predicaments either natural or artificial. Also, homeowners’ requirements change over the years, and this highly depends on their new locations and what they prize as insurable. It’s in their best interests in preparation for potential occurrences that they require an insurance cover. The priority is to search for a reputable insurance company, and Pizano Insurance serving Wayzata, MN provides the necessary assistance for this need. Here are tips on getting a reliable home insurance policy.

Know what to cover

You should be precise on the items that you want to be insured. These are contents that are within and outside the home. The cover should include roof damages, broken doors/windows, and breakdowns of air-conditioners and boilers. Note that under the Minnesota Department of Commerce laws, it’s the duty of a public adjuster, not the building contractor, to settle a claim for damages on repairs covered in an insurance contract.

Physical location

The premium rates that you pay are significantly affected by the location of your residence. Living in secluded areas doesn’t necessarily reduce the insurance rates if difficulty in accessing your home slows the response of emergency teams. Ensure from your insurance company on the policy of canceled or false alarm calls to fire departments for there are charges on this.    

Mortgage requisite 

Banks demand a letter of indemnity from your insurance company in all mortgages. The purpose of the letter is to describe what it’s covering in your property. This is usually as a summary in every buying of a home. 

So if you think of buying, rent or you own a home, contact Pizano Insurance, serving Wayzata, MN for a suitable home insurance. They understand the homeowners’ needs and value their homes.

 

Will Your Auto Insurance Repair or Replace Your Damaged Vehicle

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In Wayzata, MN, many people assume their regular auto insurance will repair or replace their damaged vehicle after an accident. In truth, your insurance can repair or replace your vehicle, but you need the proper insurance options for that to happen. Pizano Insurance offers the right choices.

What Basic Insurance Does and Does Not Cover in Minnesota

In Minnesota, required auto insurance coverage includes:

Personal Insurance Protection (PIP) – Covers some medical expenses and lost wages to someone injured after an accident.

Liability – Covers bodily injury and property damage from an accident if you’re at fault. Note the injury and damage coverage applies to others, not you. Liability also helps with lawsuits against you.

Uninsured and Underinsured – Protection when accidents occur with someone with no insurance or not enough insurance to cover damages.

While these minimum requirements help, you may notice they include nothing about fixing or replacing your damaged vehicle after an accident.

Which Insurance Options Cover Vehicle Damage Specifically

For more robust protection and the ability to repair or replace your vehicle after an accident, you need two additional forms of coverage:

Comprehensive – When damage to your vehicle occurs outside of a normal car accident, comprehensive coverage can pay for repairs to your car. For example, damage from theft, fire, animals, or anything else fall under comprehensive coverage.

Collision – If your car takes on damage from a collision with another vehicle, collision coverage can repair it.

As these are optional coverage choices in Wayzata, MN, it’s important you know if your policy includes them or not. Don’t wait until an accident occurs before you find out. In addition, the amount of collision or comprehensive coverage you have will dictate how much the insurance company can pay out for repairs or replacement.

Pizano Insurance offers collision, comprehensive, and other important auto insurance options. Contact us today to learn which auto insurance options will work for your specific situation. 

What you need to look for when purchasing auto insurance cover in Wayzata, MN?

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Owning a car provides the convenience that public transport could never avail to you. Still, so many incidences can happen on the road, and you need to shelter yourself from such. Driving without insurance in Wayzata, MN can cost you your freedom and make you pay some penalty fees. The ideal decision is to take up an auto insurance cover but do you know what you to look for when buying one? Get some insight here.

Know the minimum insurance requirements

As a car owner in Wayzata, MN, your minimum insurance requirements depend on bodily injury per person, with an upper limit per incident. Further, causing damage to another person’s property renders you to the payment of damages caused, up to a particular maximum. Different policies vary with each policy detailing the extent of limitations it can cover

Type of insurance coverage

The state of Minnesota has mandatory and optional kinds of auto insurance policies. You need to know the one you want for your vehicle so that you can decide what amounts you would like deducted. Given the policy limits in Minnesota, your decision in selecting the one you are comfortable with becomes easier.

Choose an insurance provider

Now that you know what to need to consider, the next step is choosing an insurance company to serve your needs best. Pizano Insurance offers you the necessary assistance and guidance in settling for an auto insurance cover. You may not comprehend the insurance terminologies used in most policies. We, therefore, use layman terms to ensure you are aware of all the information to facilitate in making an informed decision.

We provide several insurance covers as well as deals that may spark your interest. Visit Pizano Insurance for more information. You can contact an insurance agent directly through the email found on the site, and get immediate assistance.

Is It Difficult to Get Home Insurance?

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For a lot of people, the first thing they do when shopping for a home is to look into home insurance. Knowing what kind of insurance you can get and what it is going to cost you will play an important role in how much you can afford to spend on the actual mortgage payment itself. If you have never shopped for a home before, then you’ve probably never looked into getting home insurance. Fortunately, getting home insurance in Wayzata, MN is a lot easier than a lot of people think. Here at Pizano Insurance, we have put together a go-to guide for getting home insurance. 

Speak With a Qualified Insurance Agent

The easiest way to get a home policy is to speak with a qualified insurance agent who has much experience in customizing policies to meet the exact needs of the homeowners. No two homes are exactly the same and neither are the homeowners, so customizing the policy is extremely important in ensuring you get a policy that meets all of your needs. 

Shop for Policies

Buying home insurance isn’t something you want to take lightly. You want to make sure you are doing all that you can to get a policy that not only meets your needs but is affordable as well. To do this, you will need to compare policies and see which one is the most suitable. 

Speak With Friends and Family

Your friends and family are valuable resources for helping you find an insurance company you can trust. Use their recommendations to help you get started on finding a policy that meets all of your needs. 

Want to learn more about getting home insurance. Contact Pizano Insurance serving the Wayzata, MN area. 

Is Home Insurance Mandatory In Wayzata, MN?

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The moment you buy a home in Wayzata, MN, you may be inundated with various expenses. Home insurance is certainly an expense that needs to be taken into consideration. It is only mandatory in certain situations, though it is important to have no matter what.

When It’s Mandatory

The only time that home insurance is mandatory in Wayzata, MN is if you still have a mortgage loan. Mortgage lenders require homeowners to maintain a home insurance policy in order to provide financial protection over the investment. Further, lenders may require additional coverage, such as if you are in a FEMA-identified flood zone. Pizano Insurance can help you to determine what coverage is necessary for you to have.

Why It’s Important

If you are still paying your home loan, you don’t have a choice as to whether or not to have home insurance. However, if your home is already paid for, it is not mandatory for you to have a policy. Either way, you will want to have a policy because of the financial protection that it provides.

A standard policy will provide you protection against damage, loss, as well as liability. You never know what could happen on or around your property. If someone gets hurt on your property, they could sue for injuries. If a storm hits, you could experience significant roof damage. If there is a fire, you could lose everything. If there is a break-in, significant valuables could be stolen. When any of these things happen, you can file a claim with the insurance company – if you have a policy.

At Pizano Insurance, we are dedicated to helping you understand the importance of having a home insurance policy. Specialized agents can help you to find a policy that works for you and your home in Minnesota. It will allow you to have the coverage knowing that if something happens, you can file a claim.