Do boat insurance policies cover gadgets and appliances?

You also protect the items you take with you on a boating trip when you purchase a boat policy from Dern & Company to protect your boat or other watercraft on the lakes of Wisconsin and in transit to the lake on Milwaukee, WI roads. 

Do boat insurance policies cover gadgets and appliances?

Boat insurance policies contain more than one type of policy coverage, similar to how auto insurance provides options for full coverage or just property and bodily injury liability. Boat insurance lets you build your own policy, too.

When you add comprehensive and collision to your boat policy, you protect your property on the boat from essentially any even that could damage it, including theft. The comprehensive component of the insurance policy provides theft coverage. The collision coverage provides coverage for your personal property in cases of a single boat accident.

This type of coverage provides coverage for the radar system you install to catch bigger fish and the microwave you install in the galley to make it easier to cook the yummy fish you catch. You also receive coverage for the items you take with you on an outing on the boat.

For example, you pack an overnight bag with your laptop, cell phone, charger, and a change of clothing and take it with you on a weekend boat outing. You plan to sleep on the boat and cook meals in the galley. While you’re on the water on the second night, lightning strikes the boat while you had your electronics plugged in to charge. It fries everything electrical on the boat. Your comprehensive coverage pays for every item. You file a claim with us, and you get a check from your insurance company that pays you for a replacement laptop, cell phone, charger, radar system, and microwave.

Contact Dern & Company serving Milwaukee, WI to obtain boat insurance that protects your watercraft investment. Let us help you better protect your investment.

How Home Insurance Protects You

Homeownership can be expensive, but there are many costs that you won’t have to handle if you have a home insurance policy. These policies protect you financially against paying for expensive issues that may happen to your home. It’s essential to keep home insurance as long as you own your house. Call us now at Dern & Company in Milwaukee, WI if you need this insurance.

Coverage for Your Home

Home insurance offers coverage that protects your home against damage caused by a covered incident. These may be certain disasters and calamities as well as other incidents. When something happens that destroys the house or causes it damage, the policy will pay for the repairs that are needed for rebuilding if that is necessary. Without this coverage, the money for those repairs would come from your pocket. 

Possessions Protection

Another way that home insurance protects you is by protecting your possessions against damage and ruin. When something happens to or in your home that ruins your belongings, the policy can pay to replace them. If you think about the value of everything located in just one room, you soon see how much all of your belongings throughout the house are worth. This amount would be challenging for most people to come up with after a damaging incident, so having this insurance coverage is vital. 

Financial Protection for Liability

If someone outside your household were to get injured in an accident while on your property, you are likely to be held liable. This would mean that the medical bills were yours to pay. Home insurance protects you by paying those bills for you. 

Cover Your Home

If you need home insurance, call us today at Dern & Company in Milwaukee, WI.

What comes with a commercial insurance plan in Wisconsin?

In the Milwaukee, WI area, there is a lot of opportunity for success as a small business owner. While you can enjoy a lot of benefits with owning a business here, you do need to ensure that your organization remains appropriately covered with insurance. If you invest in a commercial insurance plan, you will receive several benefits and forms of insurance coverage. 

Liability Risk Mitigation

One of the advantages of commercial insurance is that it can help to mitigate your liability risk. There is a lot of risk that comes with owning a business, one of which is the risk that you could cause an accident or injury to another party. If this happens, you will be responsible for covering any financial damages. When you invest in a commercial insurance plan, you will get the support needed to help mitigate your risk of liability. 

Protect Core Assets

Any business today will need to ensure that their important assets are protected and covered with insurance. If you have a commercial insurance plan, a part of the policy will cover these assets. This can ensure you are able to replace the assets if you incur a covered loss, which can include fire damage, theft, or vandalism. This can help ensure you have the capacity to replace these important assets. 

It is clearly a good idea to get a commercial insurance plan when you are in the Milwaukee, WI area. If you are looking for this insurance coverage here, calling the team with Dern & Company can be beneficial. The team with Dern & Company understands the importance of this coverage and will provide any guidance that you need to build your next policy. This can ensure both you and your business are appropriately covered with a quality plan.

Why Home Insurance Is Important For Everyone

Owning a home is an ideal achievement for residents residing within Milwaukee, WI, with numerous aspiring to retire in their properties during the later stages of their lives. Getting the benefits of this will, however, require you to get the ideal insurance, with a homeowner’s policy being an ideal place to start. Below, Dern & Company discusses some of the benefits that come with signing up for home insurance.

Protect Your Home

Hazards can occur at any time, with risks such as fire and hail damage likely to damage your property when they arise. Home insurance ensures that your home is protected from such incidences, with the right policy helping you fix your home to its previous state. Other perils that you can get protection from include vandalism and electrical faults.

Keeps Your Belongings Secure

One of the features that home insurance provides is content coverage for keeping your possessions safe. If perils such as hail damage your clothing, electronics or furniture, you can expect compensation for repairing or replacing these items. Take note that expensive possessions such as jewelry will not be covered and will often require additional coverage.

Covers Detached Structures

Home insurance will also protect detached structures such as garages or sheds when hazards occur, allowing you to keep various assets secure. Homeowners’ policies will also enable policy seekers to get customized coverage for additional structures purchased or built later on. With this, you get significant protection from numerous assets such as dog shelters and fences where possible.

Provides Liability Coverage

Liability coverage will be essential to have in your home insurance, with this feature allowing you to avoid any financial and legal problems. If, for instance, your guests get injured or their property gets damaged during a visit to your home, your policy will help you pay for the ensuing medical and property damage costs.

If you are looking for a way to enjoy any of the above benefits of home insurance, consider reaching out to Dern & Company today. Our Milwaukee, WI agents will help you figure out the ideal coverage to get for your property.

Do You Really Need Renter’s Insurance?

If you are renting a home or an apartment, you may be wondering if you need to get renter’s insurance. While this is an important decision that is personal, there are some times when you may want to have insurance. 

You may be required to have renter’s insurance. If your landlord requires you to have renter’s insurance, you may need to show them proof that you have insurance for your things. 

It will cover your possessions. If you have some possessions that have some value, you are going to want to make sure that you are protected. It will cover the cost of replacing your items if something happens to your apartment or rented home. 

It will also protect you if someone gets hurt in your apartment or home. When you have renter’s insurance, it will help you if someone gets hurt at your place. Not only will it cover their medical bills, it will help you if you get sued. It will pay your legal fees. 

Your renter’s insurance may also protect you if you lose your home. If your rental property is inhabitable, your renter’s insurance may help you with your extra expenses during this time. 

While many landlords may require renter’s insurance, you may also want to get it to protect your possessions. You may also want to protect yourself in case someone gets hurt in your home. Your renter’s insurance will help cover their medical bills, along with any legal fees if you end up getting sued. 

If you want to talk to a professional about whether you need renter’s insurance or not, don’t hesitate to contact us today at Dern & Company in Milwaukee, WI. 

Why Should I Get a Home Insurance Plan in Wisconsin?

The Milwaukee, WI area continues to be a fast-growing part of the country as it offers a lot of amenities and advantages to local residents. As you are looking to move to this area, picking a housing option is important. For many, a great option is to own their own home. If you are going to buy a property in this part of the country, you will enjoy the amenities that come with it. When choosing a home, you also need to pick a quality insurance plan. You should get home insurance for a few reasons.

Coverage Will Protect Your Assets

Those that are in this area of Wisconsin will want to have this protection to insure against risks that could lead to a loss of their assets. If you have the right home insurance, you are going to get the support needed to offset the risk of damage or theft of your important assets. 

Coverage Provides Liability Support

You should always recognize that you are at risk of liability. When you have a home insurance plan, it is going to give you the support you need to help mitigate this risk. This form of insurance can provide you with liability protection for accidents that you could be found liable for, including those in and outside your home. 

People that are going to buy a home in the Milwaukee, WI area need to make sure that they get quality insurance. If you are looking for a new insurance plan here, calling Dern & Company is a great way to start. If you do speak with Dern & Company, you can learn a lot about your various insurance options and will be able to build an ideal plan that meets your needs. 

RV Insurance Ins and Outs

Owning a recreational vehicle can be the highlight of someone’s life. After all, it allows you to travel independently from state to state without much fuss. Some people might take their RV’s for a spin every weekend, others leave it at home until it is time for a Christmas or summer road trip. Whatever it is, you can make your RV work for you.

Being on the road can also come with issues, often ones not budgeted for that can really disrupt the trip. Therefore, making sure your RV doesn’t run into unforeseen costs while you’re on the road really helps. Dern & Company in Milwaukee, WI proudly offers RV insurance to anyone who owns an RV. Our agents can give you several quotes to choose from, and they will go through these quotes at your speed. 

The Ins of RV Insurance

When you’re at home dreaming away about your big RV trip, your parked-up RV should still be insured, even when you don’t use it for a while. In most cases, this isn’t included in a regular home or car insurance. If your RV is stolen or someone drives into it, insurance can be incredibly helpful in those cases.

The Outs of RV Insurance

There is little to say against RV insurance since it’s so convenient, you can road trip without worrying about what you would do in case of an accident and know your RV and your money is safe.

If you want to receive several quotes for your RV, call Dern & Company in Milwaukee, WI as soon as possible. You can also fill out a quote form on the website here. 

What does renters insurance cover?

Renters insurance is a smart choice regardless of how much you own. You may feel as if you don’t own anything expensive enough to insure. However, nothing could be further from the truth. If you lose a PC, cell phone, clothing, or furniture, you will still need to replace these items, regardless of the cost. You can purchase renters insurance in amounts compatible with the value of your belongings. Our Milwaukee, WI team at Dern & Company can answer all of your questions regarding renters insurance. 

What Does Renters Insurance Cover?

In short, renters insurance covers damage to your items in your apartment, condo, or rented home. If your items are damaged by broken pipes or some other external issue. However, renters insurance also covers damage or loss that results from theft, some natural disasters, and bodily injuries that occur on your rented property. This can include damage to your furniture, clothing, and electronic devices, in addition to injury to people who may visit your home. 

Additional Coverage

Renters insurance can be quite expensive. It can also cover your stay at a hotel if your home is uninhabitable for a period of time. Coverage for court costs and other legal issues can be covered as well. It’s best to choose coverage amounts that are compatible with the value of what you currently own. 

Talk to an Agent

When in doubt, ask. It’s best to get your guidance from one of our Dern & Company team members who can provide precise information for any and all of your questions. Give us a call with your questions. We’re here to educate and answer your questions as well as guide your decision-making process when it comes to renters insurance. One of our agents can discuss the benefits of certain coverage to help you decide what you need and don’t need. We can also talk about additional coverage that may protect you in other ways as well. Renters insurance protects your belongings and valuables both in your home and away from your home. 

Does Boat Insurance Cover Damage You Cause?

Boat insurance is similar to auto insurance. When you have boat insurance, your insurer covers damage to your boat and others in many situations. While living in Milwaukee WI does not mean you must have boat insurance, Dern & Company understands that you want to have the most protection possible.

So, does boat insurance cover any damage that you cause? Here’s what you need to know.

Boat Insurance Covers Some Damage You Cause

Boat insurance provides you with the option to cover physical injuries and property damage that you cause while boating. Boat insurance is versatile, and there are several add-on options you can consider to provide more protection beyond standard insurance.

Liability Coverage Is Crucial

When you have boat insurance, your policy should include liability coverage. Liability coverage is meant for damage or injuries that you cause while boating. Specific limits are in place, and you may choose to add more liability coverage to cover more expenses.

Physical Damage Coverage Is Helpful

You might also consider a policy that adds physical damage coverage, which is intended to cover damage that occurred outside of your control. For example, your boat may have been damaged because of a fire, or perhaps the weather caused your boat to crash into another boat.

Boat Insurance Is Not Required

Unless you operate a commercial fishing boat, boat insurance is not a requirement in Wisconsin. Still, it is a good idea to cover damage you could be considered at fault for.

Do you still have questions about boat insurance and the best coverage for your property? Contact Dern & Company to learn more about boat insurance in Milwaukee, WI.

Home Insurance Tips & Tricks In Milwaukee

Milwaukee WI is one of the oldest cities in the U.S. With its rich history, well-known landmarks, and industrial growth history, it stands as a symbol of what Americans can do if they keep their eyes on a goal. 

The real estate market is also alive and well in Milwaukee and new investors are often building in Milwaukee, to ensure the growth of the future residential and business areas. Rental properties are most on the rise right now.

Protect Your Investment

If you own property or even just your own home, you need to protect it. Finding home insurance at the right cost is important. Dern & Company is a seasoned insurance firm that has Milwaukee residents in mind. 

Tips & Tricks

We offer you these tips and trick when searching for home insurance in the Milwaukee area:

  • Don’t settle for the minimums only. Look for other coverage areas you might need to fully protect your investment.
  • Purchase insurance from a proven leader in insurance who knows the Milwaukee area. They can help you get the most appropriate coverage for what you need.
  • Shop around. Compare different companies and policies to make sure you’re getting the most comprehensive plan available. 
  • Consider carrying flood insurance. You never know when a flood could strike. Housing insurance alone may not cover all of your needs. 

Dern & Company insurance knows the Milwaukee WI area and we are happy to help you find the most complete policy for your housing insurance needs. They are available to help you when you need your questions answered.

Contact them online anytime or call Dern & Company to find out more about what we can do for you and your family. We can offer sound advice and clear up any questions you have. The time is now.