Wisconsin Renters Insurance

We work with most of the major insurance companies who offer renter’s insurance coverage to Wisconsin residents. Our knowledgeable agents can assist you in finding a comprehensive policy at a reasonable price. You can easily and safely compare policies and get quotes from several different insurance firms and then choose the coverage that best fits your needs and budget.

Why You Need Renters Insurance in Wisconsin
Here are five great reasons you should have renter’s insurance:

1. Protection from Natural Disasters
In the event your home or apartment is damaged or destroyed by lightening, hail, strong winds, or fire, renter’s insurance will pay you for the loss or damage. A typical policy generally will not cover damage from floods and earthquakes. If you live in an area prone to these types of natural disasters, you should tell your agent so that you can add specific coverage for these events.

2. Protection from Life’s Unexpected Occurrences
Although hopefully certain events will never happen to you, it’s good to know you are covered just in case. Perhaps a driver loses control and the car crashes through your front door. Renter’s insurance protects you. Maybe there’s a riot and your place is damaged. Again, you are covered. Some more common situations that can occur and cause damage are: a water heater explodes, a neighboring fire fills your home with smoke, a water pipe bursts, heavy snow causes your roof to collapse, or an electrical (power) surge fries your computer and flat screen. If any one of these things happens to you, renter’s insurance coverage will protect you from loss. While none of these scenarios is very pleasant, it will be much easier to handle if you are insured.

3. Protection from Burglary and Vandalism
If you are the unfortunate victim of either theft or vandalism, renter’s insurance will help you cover the loss or damage.

4. Temporary Housing Benefits
If you are unable to live in your home or apartment due to a covered event, such as a fire, smoke damage, or weather-related problem, most renter’s insurance policies will cover temporary living arrangements while your place is being repaired. Many policies limit the amount of coverage so you should check with your agent to make sure you have adequate protection.

5. Protection from Liability
If someone slips and falls while visiting your home or apartment, you could be sued for damages. A typical renter’s insurance policy protects you from having to bear the cost of this. Without it, your wages, savings and personal property could be at risk if you are found liable in a court of law.

The Cost of Renters Insurance
An average rental insurance annual premium for a Wisconsin resident will generally cost between $200 and $300. The actual amount you will pay depends on many factors, such as:

  1. Where the property is located.
  2. The estimated value of your personal property.
  3. The type of dwelling you live in.
  4. What type of coverage you select.
  5. Which deductible amount you choose.
  6. Your credit history/credit score.

Don’t Delay
In today’s busy world, it’s easy to put things off. But disasters have a way of striking when you least expect them. A burglary, fire, or weather-related problem can happen at any time and if it does, you want to make sure you are protected. Don’t be faced with the situation where many or all of your personal possessions are damaged or lost and the only way to replace them is to purchase everything yourself. The truth is almost no one can afford to do this.

When shopping for renter’s insurance it’s always a good idea to contact several different insurance companies so that you can compare policies and quotes. We make this a simple and quick process. Our trained agents are available 24 hours a day to assist you in finding the best Wisconsin renter’s insurance policy- one that suits both your personal needs and budget. Let us help you get the peace of mind you deserve from knowing that your valuable belongings are protected by renter’s insurance coverage. Contact us today!