Wisconsin Car and Home Insurance

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Other Home and Auto Discounts Available in Wisconsin

Homeowners Insurance Discounts in Wisconsin

• Claim-Free Discounts: Claim-free discounts are offered to customers who have never filed a claim, rewarding them for their history of responsible homeownership or driving. These discounts recognize the lower risk that claim-free individuals represent to insurers, which often results in reduced premiums for the policyholder.
• Customer Loyalty Discounts: Customer loyalty discounts are available for policyholders who have remained with the same insurance carrier for an extended period. Insurers offer these discounts to reward long-term customers and encourage them to continue their relationship, often resulting in significant savings on premiums.
• Safety Feature Discounts: Safety feature discounts are offered to homeowners who have installed devices like smoke detectors, deadbolt locks, and fire extinguishers in their homes. These safety measures reduce the risk of damage or injury, which makes the property less risky for insurers and can lead to lower premiums for the policyholder.
• New Home Discounts: New home discounts are offered for recently built properties, as they are typically considered lower risk due to modern construction standards and fewer claims history. This discount rewards homeowners for choosing a newly constructed home, which is less likely to experience issues or damages.
• Bundling Discounts: Bundling discounts are available when you combine home, auto, and other types of insurance policies with the same provider. This approach not only simplifies your coverage but also often leads to significant savings across all your policies.

Auto Insurance Discounts in Wisconsin

• Safe Driver Discounts: If you have a clean driving record and haven’t been involved in any accidents or received traffic violations, you could qualify for a safe driver discount. Insurers reward drivers who demonstrate responsible behavior on the road.
• Multi-Vehicle Discounts: Many insurers offer a multi-vehicle discount if you insure more than one vehicle with the same provider. Bundling all your cars under a single policy is an easy way to save on your auto premiums.
• Low Mileage Discounts: If you drive fewer miles than the average driver, you may be eligible for a low mileage discount. Insurance companies often offer this discount to drivers who use their vehicles sparingly, reducing the likelihood of accidents and claims.
• Anti-Theft and Safety Feature Discounts: Vehicles equipped with anti-theft devices, such as alarms or GPS tracking systems, often qualify for discounts. Similarly, safety features like airbags, anti-lock brakes, and electronic stability control can lead to savings, as they reduce the risk of injury and damage in the event of an accident.
• Good Student Discounts: Young drivers who maintain good grades in school may qualify for a good student discount. Insurers typically offer this to students with a B average or higher, as they are statistically less likely to be involved in accidents.

Homeowners Insurance in Wisconsin

Common Causes of Loss in Wisconsin

1. Water Damage: This can be caused by issues like burst pipes, leaky roofs or flooding from heavy rain. Not all types of water damage may be covered by a standard homeowners insurance policy. For instance, damage from flooding often requires separate flood insurance.
2. Hail Damage: Wisconsin experiences frequent thunderstorms, which can result in hail damage to homes. Most homeowners insurance policies cover hail damage, but you should check your policy's specifics.
3. Wind Damage: Wind can cause significant damage to homes, especially during severe storms or tornadoes. While wind damage is typically covered, some policies may have separate windstorm deductibles.
4. Theft or Burglary: If your home is broken into and possessions are stolen, most policies will cover the loss up to a certain limit. Additional coverage can usually be purchased for high-value items.
5. Fire Damage: Fire can cause extensive damage to a home. Most homeowners insurance policies provide coverage for fire damage, including the cost to repair or rebuild the home and replace lost belongings.
6. Snow and Ice Damage: Heavy snowfall and ice can cause roof damage or collapse. Most homeowners insurance policies typically cover this type of damage.

Homeowners Insurance Coverage Options in Wisconsin

• Dwelling and Personal Property Coverage: This covers damage to the home itself as well as damage to personal items within the home resulting from covered risks like fire, theft, or storm damage.
• Personal Liability Coverage: This provides protection if someone is injured on your property and you are found legally responsible.
• Medical Payments Coverage: This helps cover medical expenses if someone is injured on your property, regardless of who is at fault.
• Additional Living Expenses Coverage: This can help cover costs like hotel bills and meals if you have to move out of your home while it's being repaired due to a covered loss.

Additional Coverage Options Recommended for Wisconsin Homeowners

1. Flood Insurance: While standard homeowners insurance policies typically cover water damage from issues within the home (like a burst pipe), they generally do not cover damage caused by flooding from external sources. In Wisconsin, certain areas are prone to flooding, especially in spring and fall. Therefore, many insurers recommend purchasing additional flood insurance through the National Flood Insurance Program.
2. Wind or Hail Coverage: Most homeowners insurance policies in Wisconsin include coverage for wind and hail damage, but some may exclude it or require a separate deductible. If you live in an area of the state that's prone to severe storms, you might want to consider adding extra wind/hail coverage to your policy.
3. Seepage and Leakage Coverage: This coverage can protect you if water seeps into your home over a period of time, causing damage. This is usually not covered under a standard homeowners policy, so additional coverage may be needed.
4. Water Backup Coverage: This covers damage caused by water backing up from sewers or drains, which is not typically covered under a standard homeowners policy. Given Wisconsin's potential for heavy rainfalls, this can be a valuable add-on.
5. Equipment Breakdown Coverage: This covers the cost of repairing or replacing household appliances and systems if they break down. It’s often recommended for homeowners with high-value appliances.
6. Identity Theft Coverage: With the rise of digital threats, some insurers offer this coverage to help with the costs of recovering from identity theft.

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