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Homeowners insurance is designed to provide basic financial protection from damage to your property. Homeowner policies may also cover property damage you or members of your family cause to others. A homeowners policy combines coverages for fire, windstorm, theft and liability into one convenient policy. Damage from most perils is covered under your homeowners policy, but there are exceptions. The most significant exclusions are damage caused by water, earthquakes and neglect. Although normally these are not covered under standard policies, it may be in your best interest depending on the location of your home to purchase flood or earthquake coverage under separate endorsements. Endorsements provide additional coverage that is supplemental to the standard policies. These coverages may be for items such as expensive jewelry, gold or silverware.
In addition to covering physical damage to your dwelling and its contents, your homeowners policy provides some protection from liability. This includes damages arising from the home itself or for example if a visitor falls on the sidewalk near your home. Most homeowner policies provide some basic coverage for bodily injury and medical expenses. This coverage can be increased with additional premiums. Many homeowners insurance companies offer discounts for non-smokers, for having multiple policies with the same company, for installing certain security features and for a host of other reasons. Be sure you talk to your agent and get all the discounts available to you.
Most homeowner policies include the following six basic coverage types: Dwelling, Other Structures, Personal Property, Loss of Use, Personal Liability and Medical Payments coverage. Generally, these coverages are provided under the following standard homeowner's policies:
Wisonsin residents enjoy some of the lowest average homeowner insurance rates in the country. We can help you find cheap homeowner insurance from top rated insurance carriers whether you live in Milwaukee, Madison, Green Bay, Kenosha, Racine, Appleton, Waukesha, Oshkosh, Eau Claire, West Allis, WI and another city in The Badger State.