What are the benefits of a Wisconsin home insurance policy?

When you live in the Milwaukee, WI area, there are many different housing options available. Those that live in this area of the state should consider purchasing their home as it will offer a variety of long-term benefits and give you a stable and consistent place to live. If you are going to purchase a home in this area of Wisconsin, you should also make sure that you properly insure it. There are several benefits that come when you get home insurance.

Covers Assets

One of the main benefits that come when you get a quality home insurance policy is that it can cover your assets. Anyone that purchases a home in Milwaukee will want to make sure that their investment in the property is protected. A full home insurance policy can offer you protection for the dwelling as well as any of your personal belongings. 

Gives Liability Protection

You should also offer a home insurance policy because it will give you valuable liability protection. Anyone that wants to own property will take on risk if they have a guest in their home. Since you could be found liable for a guest’s injuries, you will want to ensure that you are properly covered by insurance. A home insurance policy will give you the coverage you need. 

There are a lot of advantages that come when you get proper insurance for your Milwaukee, WI area property. When you are shopping for insurance here, you should call the team at Dern & Company. The insurance professionals at Dern & Company can help you to pick a policy that will properly protect your home and offer liability protection. This will ensure you continue to receive the coverage and protection that you need. 

Why Is The Roof So Important To Home Insurance?

We don’t need to tell someone from Milwaukee, WI how important the roof is, do we? That’s your first line of defense against harsh weather, it’s what’s going to keep the heat in and the snow out during the winter. To an insurance company like Dern & Company, it may be the very most important part of your home.

All other things being equal, a home with a roof that’s past its prime is going to cost more to insure than a home with a new roof, if it can be insured at all. Many insurers won’t touch home with a roof more than twenty years old. 

Building material is important too. Cedar roofs, for instance, are more likely to catch fire than many other types of roofs. Natural materials, in general, can have a harsh effect on the life expectancy of a roof, being more likely to rot and mold should moisture be trapped underneath after a rainy summer.

A well-maintained, quality roof can also be indicative of how well a homeowner takes care of their house. A roof that is missing some shingles and has a few unpatched leaks may be seen to signify a homeowner who has a "When I get around to it" attitude about other things, like leaky pipes and cracked windows. A quality roof suggests a homeowner who treasures and cares for their domicile.

If you’re looking for a home insurance company to protect you and your home in Milwaukee, WI, get in touch with Dern & Company by phone or online. They’ll help you to get set up with a home insurance policy that you can count on.

Neighbor Slipped On Your Icy Driveway? What to Know About Milwaukee, WI Home Insurance

In Milwaukee, WI, snow and ice are a natural part of life. In fact, the inevitability of snow is so understood that there are several key ordinances on the city’s books when it comes to how residents should approach snow and ice that gathers on the sidewalks and hydrants in front of their home. To understand the answer to whether a Dern & Company home insurance policy will reimburse your neighbor if they slip and fall on your property, it’s first important to understand these ordinances.

Keeping Your Property Snow-free

Milwaukee Wi ordinances dictate that all homeowners must clear the sidewalks abutting their property, including any corner crosswalk areas, of snow and ice within 24 hours of when snow stopped falling. Getting caught with a driveway full of snow and ice can result in fins.

But it can also go much further than fines! When it comes to injuries to others like slip and fall injuries, your home insurance policy will likely be separated into two types of injury coverage:

  • Medical pay coverage which will cover all medical bills up to a certain limit but no extraneous costs like pain and suffering and
  • Liability coverage which protects you from a lawsuit that might arise from the injury.

Most policies will pay for guests’ direct medical payments (up to coverage limits) in any type of slip and fall accident. But in order to be approved for liability coverage, you must have shown that you did everything reasonably you could to protect others from injury on your property. In terms of slipping on snow and ice, you must have followed the ordinance and cleared driveway, sidewalks, and other pavement within 24 hours.

Contact Dern & Company to Learn More

To update your home insurance policy, contact our team today. 

Traveling for the Holidays? Prevent Break Ins With These Homeowner’s Tips

While homeowners insurance will pay to repair your home and replace your belongings if there is a break-in while you’re traveling, there’s never a good time to have to deal with a burglary. These tips from Dern & Company will help keep your Milwaukee, WI home safe while you’re out of town over the winter holidays.

1. Hire a house sitter.

The surest way to avoid a burglary while you’re traveling is to hire someone to come stay at your home during your absence.  Be sure to hire someone trustworthy and reputable by asking friends, relatives, and neighbors for recommendations.

2. Don’t post on social media.

While it’s fun to share photos on social media right away, these pictures are a tip-off that you are not at home. You never know who will come across your social media posts, so wait until you are back at home to share photos to your Facebook or Instagram profiles.

3. Stop the mail or have someone pick it up.

Mail piling up in the mailbox is a dead giveaway that you’re traveling. Stopping your mail is easy using the postal service’s online tools. Alternately, you can arrange with a neighbor to pick up your mail for you while you are traveling this winter.

4. Have your lights on a timer.

To create the illusion of occupancy in your home, you can set up your television, radio, and lights with timers. Timers are fairly inexpensive ways to fool would-be burglars into thinking that you are at home. Use several timers, set to turn on your lights at various times of the day. For instance, have the living room lights come on from dusk to 8 p.m. and have the bedroom lights set to come on from 8 to 10 p.m.

5. Let a trusted neighbor know you’re going out of town, so they can look out for your home.

If you have a neighbor that is trustworthy, ask them to keep an eye on your place. They can call the police if they notice anything suspicious happening while you are out of town. 

If you need information about homeowner’s insurance in the Milwaukee, WI area, contact Dern & Company. 
 

What makes a good home insurance plan?

Your home insurance policy is for more than you looking good on paper. There are stipulations in your policy that either confirm or hinder your financial stability. You do not want to wait until tragedy strikes in Milwaukee, WI to take a look at the tenets of your home insurance plan. Such is how many homeowners are left out in the cold with a bill that their bank accounts cannot handle. 

You should speak with an agent at Dern & Company immediately if you do not understand the basics of your home insurance policy. One of our associates may even be able to find a policy that better suits your lifestyle. Read on to learn about what makes a good home insurance plan. 

A good plan goes beyond the minimum

You, for the most part, cannot obtain a mortgage agreement without showing proof of home insurance. Most financial institutions will attach their home assurance policies to your mortgage if you fail to show proof of home insurance. You should not be tricked into thinking that this is a good thing! Home assurance plans attached by your mortgage company are meant to serve their needs. You may be surprised to learn that your personal possessions are not covered under such a policy despite you paying through the nose for a high premium every month. 

The best insurance policies, then, go above and beyond the minimum. Your assurance plan should cover the structure as well as your valuables in Milwaukee, WI. You should also consider indemnity policies that guard against financial losses due to lawsuits. The best home insurance plans pay for legal representation as well as provide funds in the unfortunate instance of you losing your case. 

Call Dern & Company

Our agents can thoroughly explain your home insurance options and create a plan that works best for you. Call today to get started with a quote!

How to create a home inventory

If you came home to your house near Milwaukee, WI and found that your home had tragically burned down or been robbed, would you be able to accurately account for your possessions? Unfortunately, you never know when your home could be the victim of a disaster, so it’s important to have all your belongings accounted for ahead of time to make your life much simpler in the aftermath, and at Dern & Company, we want to help.

What is a Home Inventory?

A home inventory is a list of all the items in your house; you can use this list to help file an insurance claim if your home is ever damaged, destroyed or robbed. This list can also help you make sure you have the right insurance coverage for your belongings.

How to Create Your Inventory

Although it may be time-consuming, the easiest way to create your inventory is to go through your house room by room and list all of your belongings. You should even go as far as to include small items in drawers, closets, and desks. It’s extremely helpful if you can include pictures of the items as well, and this actually might make creating your inventory easier. If you know the purchase date and price of the items, include those as well.

Don’t forget to periodically update your home inventory, especially when you make big purchases. To make the process easier should you ever need to use your inventory, keep a copy of it in a location away from your home, as well as online.

We Can Help

Nobody wants to find themselves facing a disaster, but a home inventory can make this awful situation a little bit easier. If you need help with any home insurance needs, such as creating a home inventory, talk to an agent at Dern & Company near Milwaukee, WI today.

What Do You Need To Bring To Your Home Insurance Consultation

An Open Mind Is The Most Important Thing You Need to Bring to Your Home Insurance Consultation

There are standard home insurance policies to be sure. Like most insurance policies a new homeowner can rattle off a few key points about their new home and acquire a standard policy. At Dern & Company, we would like your experience to be more involved so that you as the homeowner gains a workable knowledge about protecting what is probably your biggest investment. 

You must bring proof of your pending purchase of the home. 

Working knowledge of any foreseeable incidents that may occur as a result of common practices in the home. For example, if you are aware that your home is located in a known flood area, you should make your agent aware of this information. Don’t assume that the insurance agent knows your home is in danger of flooding.

The agent needs to know information about the home such as the built on date. If there have been major renovations to the home. If there is a pool on site. How many dwellings are located on the property of the home? If there are multiple dwellings on the property what are their uses and what are their conditions. For that matter, the agent would need to know what the general condition is of the main dwelling.

Stop by our offices in Milwaukee, WI 53227 to learn more about how to arrange a home insurance consultation. In addition to home insurance, we specialize in other products such as home, health, life, motorcycle, renters, recreational vehicle, boat watercraft as well as commercial insurance. Dern & Company works hard to make your insurance experience as beneficial as possible. 

Tips on Getting the Best Home Insurance

In any way you look at it, the majority of people will spend most of their lives at their home. Homes serve as the number one investment. Therefore, to ensure you provide adequate assurance for the future, it is advisable you insure your home. Many people are not well informed about how the insurance works. The only time they will look for insurance services is when a lender lists it as a requirement. For the residents of Milwaukee, feel free to visit us at Dern & Company to guide you on buying the best home insurance. The following are tips on getting the best home insurance in case you feel the need to.

Get a reputable company

There are many companies that offer this services. It is advisable to consult friends who have insured their homes. They will provide the best testimonies. The insurance provider should be readily accessible and be stable financially. The company should also provide a wide coverage of insurances. In some cases, some companies do not live up to the expectations. A reputable company will offer you the peace of mind as you will not be worried as to whether they will honor the agreement.

Choose between actual cash and replacement cost

It is very important to decide whether you will want your property to be replaced or alternatively get the cash. In some cases, the replacement cost will be the best option if the property to be replaced is over a long distance. Actual cash can also be good because you may end up saving some money. If you are living in Milwaukee, WI, you can visit us at Dern & Company to help you get the best home insurance.

 

3 Factors that Will Affect Your Homeowners Insurance

If you are looking for the right homeowner’s insurance for your Milwaukee, WI home, you need to get the opinion of a professional insurance agency such as Dern & Company to ensure that you get sufficient coverage. Homeowners insurance offers you financial compensation in case of a covered peril.

What Affects Your Homeowners Insurance?

The Type of Dog You Own

Your dog may keep you from getting the home insurance policy that you need. Some insurance companies do not offer homeowners insurance to homeowners with breeds of dogs that are considered aggressive or dangerous. Others may deny you insurance even if your dog does not belong to breeds that are considered dangerous. They may analyze the behavior of the dog to determine whether or not it is vicious. You may be able to get insurance from such companies if you choose to cage or chain your dog or take it to behavior modification classes.

Your Insurance Score

Your insurance score does not only affect your ability to secure homeowners insurance. It may also determine the number of premiums you pay. If you have a bad insurance score, you may not be able to secure homeowners insurance. Even if you do, your premium rates could be higher than they need to. If you want to improve your insurance score, try to pay your credit card bills on time, and do your best to avoid bankruptcy and a tax lien.

Marital Status

Being married may be a good thing when it comes to homeowners insurance. Most providers view married people as low-risk and less likely to file claims than single people. The premium rates for singles may be higher than for married couples.

Contact Dern & Company in Milwaukee, WI to discuss your new homeowner’s insurance quote.

 

Things to Consider When Purchasing Home Insurance

One of the major tests for home insurance agents is how they handle claims, according to Consumer Reports. At Dern & Company’s in Milwaukee, WI, our home insurance agents provide a highly satisfied level of service to their clients. Consider the satisfaction reports of the company before you purchase your policy, as low-rated insurers tend to have low-satisfaction reports, and claimants often feel like their claims’ damage estimates and final settlements are too small or not handled in a timely manner.

Often, an insurer and a claimant don’t see eye to eye on damage amounts or how a claim should be handled after a qualifying event. Do your homework before you buy, and make sure you’re buying the right insurance for your situation. Jeanne Salvatore, vice president for consumer affairs at the Insurance Information Institute, recommends making sure you’re covered for the structure of your house, your most valuable belongings, your liability to others, and your living expenses if you’re forced to make your own home livable and/or living somewhere else while your house is being renovated or repaired (or, worst-case scenario, rebuilt.)

Most common levels of coverage:

  • HO-2: Broadly protects against 16 major perils

  • HO-3: A slightly broader policy that protects against all perils, except those specifically excluded

  • HO-5: This is the most common level for newer, better-maintained homes, and covers most perils*

  • HO-6: Co-Ops and Condominiums have different insurance needs, and usually need to include personal property coverage, liability coverage, and improvements to the owner’s unit

  • HO-7: Mobile Homes need specific insurance, and insurance for them usually protects against most perils*

  • HO-8: Older homes usually need to be insured differently than newer, differently-built homes. Read over what your policy covers – some only cover the cash value to replace the structure itself, while others also cover personal property

*(except those specifically excluded)

In Milwaukee, WI, Dern & Company has a variety of coverage options that will help you ensure that your property is protected to your satisfaction. When you’re ready to buy and want the best level of service possible, Contact Us. We can get you a quote or you can try our online rating tool to get a quote from home.