Wisconsin Home Insurance Information
Whether you own a house, condominium or townhouse, for most people their
home is their most important investment. The Insurance Shoppe offers
Wisconsin home insurance policies that have flexibility to meet your individual
needs and above all, provide you with the security that comes only from the
knowledge that your home is safe.
Insurance for your home is one of the most popular and important forms of
personal insurance and the typical Wisconsin home insurance policy has two
main sections:
Section I - insurance coverage for your property
Section II - personal liability coverage (to cover you in case of lawsuits arising
from things that happen on your property)
Wisconsin home insurance is often required by lenders to obtain a mortgage
and nearly everyone, whether you own or lease property, should have the
protection of home insurance.
Wisconsin Home Insurance Policy FAQ
Click on the link below to fill out a secure quote request form for a Wisconsin
Home Insurance policy that will provide excellent insurance coverage at an
affordable cost. Or you can speak with our Wisconsin Homeowners Insurance
agent specialist at (920) 849-4534 to discuss the features.
We are a local Calumet County, Wisconsin insurance agency, offering affordable home insurance policy
premiums to residents of the following cities and counties: Chilton, New Holstein, Malone, Kiel, Hilbert,
Forest Junction, Potter, Reedsville, Brillion, Stockbridge, Sherwood, Hayton, Brothertown, Marytown,
Calumetville, Pipe, Johnsburg, Mt. Calvary, St. Cloud, Elkhart Lake, Ada, Sheboygan, Cleveland,
Manitowoc, Spring Valley, Osman, Plymouth, Two Rivers, Whitelaw, Valders, St. Nazianz, Newton,
Collins, Kimberly, Kaukauna, Darboy, Oshkosh, Winnebago, Appleton, Menasha, Neehah, Menchalville,
Greenville, Holland, Little Chute, Wrightstown, Morrison, Wayside, Kellnersville, Francis, Branch,
Cooperstown, Maribel, De Pere, Bellevue, Allouez, Ashwaubenon, Denmark, Tisch Mills, Kewaunee,
Howard, Green Bay, Oneida, Luxemburg, New Franken, Pilsen, Anston, Black Creek, Freedom, New
London, Sheyboygan Falls, Plymouth, Greenbush, Fond du Lac, Peebles, Taycheedah, Kohler, Howards
Grove, Dundee, Cascade, West Bend, North Fond du Lac, Eden, Waldo, Cedar Grove, Hingham, Fond du
Lac County, Sheboygan County, Brown County, Winnebago County, Outagamie County, and Manitowoc
County, WI.
Covered losses under a Wisconsin home insurance policy can be paid on either a replacement cost
basis or on an actual cash value basis. When "actual cash value" is used, the policy owner is entitled
to the depreciated value of the damaged property. Therefore, the older the item is, the less money
you may receive for it. If you choose the "replacement cost" coverage, the Wisconsin home
insurance policy will reinburse the amount it costs to replace the property with something of a similar
type and quality at current prices.
Wisconsin Home Insurance Policy FAQ
An "All Risks" policy provides the broadest Wisconsin home insurance protection because it will
cover losses that are due to any peril except those specifically excluded in the policy. A "Named
Perils" policy covers losses that are due to only those perils listed in the standard Wisconsin Home
Insurance policy and typically include fire, hail, windstorm, and other physical losses.
Wisconsin Home Insurance Policy FAQ
If your policy limit is less than 80% of the replacement cost of your home, you will face a
"coinsurance penalty," which means you'll have out-of-pocket expenses to cover costs beyond the
policy deductible you chose. For example purposes we will assume your home's estimated
replacement value (RCV) is $100,000. The co-insurance clause requires you carry at least $80,000
(80% of your RCV). If you chose to purchase only a $40,000 Wisconsin Home Insurance policy you
would be underinsured by half. Therefore, in the example the insurance company would pay one-half
of a loss less the policy deductible, so if you suffered a $10,000 covered loss to your house,
condominium or townhouse and had a $500 deductible, your policy would only pay $4,500.
Wisconsin Home Insurance Policy FAQ
Personal liability in a Wisconsin home insurance policy is also an important part of having security
from accidents that may occur on your property. We suggest you choose coverage limits that are
not less than those on other liability insurance you own, such as car insurance.
Wisconsin Home Insurance Policy FAQ
Click on the link below to fill out a secure quote request form for a Wisconsin Home Insurance
policy that will provide excellent insurance coverage at an affordable cost. Or you can speak with
our Wisconsin Home Insurance agent specialist at (920) 849-4534 to discuss the features.
Replacement Cost or Actual Cash Value
All Risks or Named Perils
Coinsurance Penalty
Personal Liability
**The information, pictures, and other content in this website about particular insurance services is only
provided for informational purposes. Any decisions regarding your insurance needs should be discussed
with a licensed insurance agent.
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Chilton, Wisconsin 53014
(920) 849-4534
Toll Free: 1-866-601-1200
Fax: (920) 849-4158
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