You worked hard to become a homeowner. Protect your investment with a Wisconsin home insurance policy from Billy Brown Insurance. As your local independent agency, we help Southeastern Wisconsin homeowners like you protect their homes and financial livelihood against a wide range of hazards and perils, from fires and wind damage to accident liability. With the right types of coverage, high enough limits, and a trusted independent agent on your side, you will be armed and equipped with the support you need to stand up to nearly anything life throws your way.
Homeowners insurance comes in varying forms. The type of policy you have will determine which types of events are covered. For example, some home insurance policies only cover named perils; everything else is excluded. Other home insurance policies cover all events except for the named exclusions in the policy. We here at Billy Brown Insurance can help you learn the differences in home insurance coverage to determine which policy best fits your needs. We can offer coverage for:
- Fire and smoke
- Wind and hail
- Falling objects
- Ice and snow
- Theft and vandalism
- Certain types of water damage
- And more
Types of Wisconsin Home Insurance Coverage
Wisconsin home insurance policies typically come with many different types of coverage, each of which protects you and your property differently. These generally include:
Dwelling and Other Structures
This coverage protects your dwelling, which is the physical structure of your home and the fixtures inside it. Your policy may also include coverage for other structures, such as a fence or garage. A typical policy will pay for clean-up and rebuilding costs after a covered loss. In most cases, the house will be rebuilt with the same or similar materials as were used in the original construction of the home.
Pro Tip: Be sure to reassess your dwelling coverage needs from time to time. The cost of rebuilding your home could be much more than the price you paid for the home or the cost of building your home a few years ago. We here at Billy Brown Insurance can help you find a policy that automatically adjusts to account for inflation.
If your home goes up in flames, the things inside it will, too. Imagine having to replace everything you own; the costs would be enormous. Homeowners insurance typically includes coverage that reimburses you for the loss of your personal belongings based on their actual cash value. However, you may be able to modify your coverage to cover the full replacement cost – not just the depreciated value. You should also let us know if you own expensive items or collections with values that exceed the categorical coverage limits within your policy. In these cases, you may need to schedule additional coverage for things like jewelry, furs, fine art, and firearms.
Loss of Use
If you are forced to find temporary lodging while your home is repaired or rebuilt, you could find yourself paying much higher living expenses. From the cost of renting a hotel room to the extra expense of feeding and clothing your family without a kitchen or laundry room, your home insurance coverage can provide extra coverage to help you pay the bills until you move back home.
Lastly, home insurance should include enough liability protection to shield your finances against the devastation of a lawsuit. If you are sued for an accident that happens in your home or an incident you or a member of your household is responsible for away from home, liability coverage can help pay for your legal expenses and any judgments brought against you. Except for certain excluded events like car accidents, homeowners liability can provide broad protection that follows you nearly anywhere you go.