How do you protect the most important things in your life? Your home is one of your most valuable investments. Make sure you protect it with comprehensive home insurance that protects your property from corner to corner. Wisconsin, including our community here in Janesville, is privy to some of the lowest-cost home insurance premiums in America. At Gary Ellis Insurance, we are honored to protect your family and your home with valuable and affordable Wisconsin home insurance.
Wisconsin Home Insurance Coverage
All homeowners policies in Wisconsin are “package” policies that include multiple types of coverage. These generally include:
Dwelling
Dwelling insurance is coverage for your home and the other structures on your property, such as a fence, shop, or pool house. Since your home is one of, if not the biggest purchase you will ever make, make sure your dwelling insurance provides enough coverage to protect it against the things that threaten it.
Personal Property
Personal property insurance is coverage for your belongings. Whether a thief robs your home while you’re on vacation or part of your home is damaged in a kitchen fire, personal property insurance helps cover the replacement of your belongings, from furniture and electronics to clothing, appliances, and more.
Personal Liability
Personal liability insurance helps cover your financial liability if you, your pet, or one of your family members causes an injury or property damage to another person in a non-auto related accident. Liability insurance can cover court awards as well as your legal defense fees. Personal liability insurance coverage typically starts with limits of $100,000, but additional coverage may be available if you have valuable assets or income to protect.
Medical Payments
Medical payments cover medical bills of individuals who are injured in your home or on your property. It does not cover members of your own family, but it does provide payment of reasonable medical expenses up to the limits on your policy, regardless of who was at-fault.
Additional Living Expenses
You may one day find yourself in need of temporary lodging if your home is severely damaged in a covered event. In these circumstances, your additional living expense coverage can help pay for the cost of your hotel or rent while your home is being repaired.
Customizing Your Home Insurance Coverage
All homeowners insurance policies and companies are not the same. Though there are several things that all home insurance policies have in common, there are also many ways of personalizing coverage to meet your household’s specific needs. These factors can contribute to the cost you will pay for premiums, which vary significantly from insurer to insurer. Examples include:
- The cost of your deductible
- Replacement value vs. actual cash value reimbursement
- Extra coverage for high-valued items
- Extra liability coverage
- Additional protection for business inventory stored in your home
- Identity theft protection
- Sewer drain and backup protection
At Gary Ellis Insurance, we never want you to settle for less coverage than you need. We understand the needs of Janesville area residents and work hard to find affordable home insurance without cutting corners. By shopping around for coverage from multiple insurers, we can bring you competitive prices on the policy you really want. We can even find additional savings with discounts like:
- Claims-free discounts
- Home safety discounts
- Home and auto bundling discounts
- New home discounts
- And more
Call us today to request your free Wisconsin home insurance quote. We look forward to serving you soon.
