A broken item or loose roof shingle here and there aren’t going to break the bank, but what would happen if thieves burglarized your entire home or your roof fell in under the weight of ice and snow? Those types of damages can quickly sink your bank account without the right insurance coverage. At Strobel Insurance, we help Wisconsin homeowners protect their property with comprehensive protection against a wide range of losses.
An Independent Agency on Your Side
When you work with our office, you are partnering with reliability and choice. We know the Eau Claire community because we live and work in it right alongside you. When you need help understanding your policy or filing a claim, you have a point of contact right here in town – not several states away in an urban call center. We also shop and compare coverage on your behalf to help you find the maximum value for your dollar.
Building Better Coverage
When it comes to your home insurance, you cannot afford to cut corners. Your house is likely one of the most valuable assets you own, and it deserves a policy that protects it through and through. We can help you better understand your coverage options and the risks that could otherwise result in expensive out-of-pocket losses. We can help you build a policy customized to your needs with protection against various loss events, such as:
- Wind and hail
- Falling objects
- Fire and smoke
- Theft and vandalism
- And more
We can explain the coverages available for these types of events, as well as the types of losses that may be excluded from standard Wisconsin homeowners insurance policies. Additional coverage for excluded events, such as flooding and earthquakes, may be available as an endorsement or in the form of a stand-alone policy.
Types of Homeowners Coverage
Your homeowners insurance policy will feature multiple sections, each of which outlines various coverage types and amounts. These include:
Dwelling and Other Structures (Coverage A and B)
The first coverages you may notice in your home insurance policy offer protection against damages to your house’s structure and the other physical structures on your property. This includes your foundation, walls, roof, interior finishes, fixtures, and more. It can also include things like your fence, shed, detached garage, pool house, and storage building. When your home and other structures are damaged due to a covered event, these coverages help pay for restoration, clean-up, and repair.
Personal Property (Coverage C)
Imagine owning nothing except the clothes on your back. In the event of a total home loss, you would need to replace everything you owned, from your clothes and furniture to your kitchenware and electronics. It could cost you tens of thousands of dollars to fill a 2,000 square foot home with the things it once held after a damaging loss event. Personal property coverage helps compensate you for the loss of the things you own according to the valuation terms in your policy. Standard home insurance may only cover the actual cash value of your items, which means you will only receive a check for their depreciated values. That is not enough to purchase replacement items brand new. Instead, talk to your agent about upgrading your coverage to include full replacement value protection.
Temporary Displacement (Coverage D)
It’s hard to imagine finding yourself suddenly homeless, but that is exactly what could happen if a covered event renders your home uninhabitable. Temporary displacement coverage helps cover the cost of finding somewhere else to live while your house is being repaired or rebuilt. This coverage helps pay for extra living expenses incurred as a result of your displacement, from your hotel and rental fees to laundry service and the cost of feeding your family without a kitchen to cook in.
Liability (Coverage E)
Will your neighbor sue you if your dog mauls their cat? Litigation can be an expensive process, especially if you lose your defense. Homeowners liability coverage helps pay for your legal fees and court costs when someone sues you for compensation of damages due to injuries or property damages as a result of your negligence or the unintentional actions of someone in your household. This can include incidents that occur on your property, as well as those which occur elsewhere, such as at school or on a playground. Choose high limits to better protect yourself against the risk of out-of-pocket loss.
Medical Payments (Coverage F)
If a guest gets hurt while visiting your home, your medical payments coverage can help pay their necessary medical bills even if you are not at fault. Claims against medical payments coverage do not require the establishment of fault, and they could help you avoid a lawsuit. Coverage is typically limited to a few thousand dollars per incident.
Wisconsin Home Insurance Quotes
If you own a home in the greater Eau Claire area, let us help you get coverage that fits your needs and budget. We provide ongoing support with answers to your questions and help filing claims long after you purchase your policy. We can also help you save more on the coverage you need by searching for discounts that could lower the cost of your premiums. Savings may be available to policy-holders who:
- Choose high claims deductibles
- Purchase multiple lines of coverage
- Have a monitored home alarm system
- Have a new roof
- And more
For more information about Wisconsin homeowners insurance or to request your free quotes, contact our office today.