Will My HOA Require Home Insurance?

While home insurance is not an automatic requirement for owning a home, it may be necessary if you live in a Homeowners Association (HOA) community. If you’re a homeowner in an HOA community seeking home insurance, the professionals at Pizano Insurance, servicing Wayzata, MN, can assist. We work with various home insurance carriers, enabling us to help you find the right policy for your needs.

Do HOAs Require Home Insurance?

Not all HOAs require home insurance, but many do. If you’re considering buying a home in an HOA community, it’s important to read the community’s rules before choosing a home insurance policy. If you buy a home in an HOA community that requires home insurance, you’ll need to maintain a policy for as long as you own that home.

Even if your HOA doesn’t require home insurance, your mortgage lender might. Even if it’s not required, it’s still a good idea to have a policy. Home insurance policies provide reassurance and can help you recover when a covered event occurs.

How to Get Home Insurance For Your New Home

If you’re buying a home in an HOA community and would like to get home insurance, start by contacting the professionals at Pizano Insurance, servicing Wayzata, MN. We can help you shop around for the best home insurance policy for your needs.

Our helpful, courteous staff can also answer your questions. We can help you find a home insurance policy that can benefit you throughout your time as a homeowner. Call today.

Steps to Take to Prep Your Home for Winter

It seems as though everyone loves fall and the weather it brings. While fall is great, winter is closely following. With the fall season so jam packed with events, it is easy to let the season slip by. If you are a home owner, you should take some time to prep your home for winter before it gets too cold. Use these tips from Pizano Insurance to get started today.

  • Get your Heater Examined. One of the biggest issues that people run into during the winter months is a heating system that will not work. When it gets cold, that is one of the things you need to work. Before running the risk of not having heat, get your heater looked at now before you need it. You probably haven’t used the system in many months and you should ensure it is ready to go. Another thing to do at this time is replace your filters around the home for increased efficiency.
  • Clean out Your Gutters. During the fall, many leaves will likely get stuck in your gutters which will not be good once it starts raining and snowing in the area. You should clean these out once all the leaves have fallen so they will continue to work well through the remainder of the year. Another thing that can happen is your gutters may become infested with bugs if they are not cleaned out.
  • Get a Home Insurance Policy. One of the best things you can do to protect your home no matter the season is get a home insurance policy. This is a great way to prepare for the unexpected. Even with prepping your home for the season, you will not be properly prepared without having a home insurance policy.

If you are interested in getting a quote for a home insurance policy, be sure to contact us at Pizano Insurance, serving Wayzata, MN.

How Your State Department of Insurance Can Help You

Got questions about Pizano Insurance serving Wayzata, Minnesota? Tap into a resource that you help fund as a taxpayer, it’s right at your fingertips. Each state has a department of insurance that may have just the answers that you are looking for.

What is a Department of Insurance?

Pizano Insurance serving Wayzata, Minnesota-along with all insurance companies-is regulated at the state level for the protection of consumers. The department of insurance handles many different areas of service, inclusive of, but not limited to: information on licensing and filing for insurance companies, consumer assistance for many different types of insurance, energy data and reports, education, tips and tools about your money, and complaint resolution.

Your Home

With so many options to choose from for insurance coverage-it’s comforting to know that there are experts available with the information that consumers need to protect their home and what to do in case of damage or loss. Depending on a homeowner or renter’s needs- Commerce guides you to explore your policy annually offering a checklist to bring more comfort.  

Your Vehicle

Auto insurance is required by law, but do you understand how auto insurance in MN works? Commerce is there to help you understand the insurance basics and what you need to do to file a claim. Sign up for consumer protection e-mail updates.

Your Health

Get questions answered about health insurance, life & annuities, and long-term care insurance that will help you choose your insurance company.

Your Money

“Protecting and informing consumers is an important part of the work we do every day at the Minnesota Department of Commerce.”

Minnesotans are provided information and assistance through the Consumer Services Center which will help you choose the insurance company that would best meet your needs of protection. Got a question? Can’t resolve a dispute? Contact Commerce by phone or email.