Car Insurance Tip #104: When You Shop Auto Insurance Policies, You Save.

When You Shop Policies with an Independent Insurance Agency You Save Money. What's special about independent insurance agents is that are not tied to any specific insurance company, so they have the ability to shop around and compare quotes from multiple carriers and find the best policy possible for you. They'll also help you understand the coverage options available and make sure you're not overpaying for unnecessary coverage. So you'll be covered in case of an unfortunate event but you won't be overpaying for insurance you don't need. So, how do you go about finding an independent insurance agent? One way is to ask friends and family for recommendations, people who get their insurance through independent insurance agencies are usually pretty happy to share the word about it. You can also search online for local agents in your area, any of the insurance companies that you find online that you don't recognize, there's a better chance that those are independent insurance agencies so ignore those like state farm insurance and progressive etc. and dive a little deeper into the websites of a local brand that may not be as familiar. Once you've found an independent insurance agent, it's important to have all of your necessary information ready when you start the quoting process. This includes your personal and vehicle information, as well as any previous insurance history. An independent insurance agent will use this information to get multiple quotes from different carriers and help you compare the options. By working with an independent insurance agent, you can be confident that you're getting the absolute best price on a car insurance policy that meets your needs, and exceeds your expectations. Don't settle for a policy that doesn't give you the coverage you need or overpay for unnecessary coverage, this is where quality insurance agents come in. Rather than take the time to shop around and get multiple quotes, you can leave this up to your independent insurance agent for the peace of mind that comes with knowing you have the best policy at the best price. To help get you protected, contact Preferred Insurance Agency today and we’ll save you money on your same auto insurance policy or better, and make sure you and your family are protected from the unexpected. We’re providing La Crosse , Onalaska, and Black River Falls with the best auto insurance prices and customer service. We serve the surrounding areas of Iowa, Minnesota, and Wisconsin as well. Call (608) 881-6566 or visit us at 401 King Street, La Crosse. Or submit our online quote form, and we’ll get back to you shortly.

source https://www.preferredlax.com/article/car-insurance-tip-104-when-you-shop-auto-insurance-policies-you-save

7 Tips to Help Prepare Your Home for Winter

It's that time of year again for those of us in the upper midwest, ice cold temperatures mean ice, and snow and some seasonal maintenance on your part now will help in saving future expensive repairs and inconvenience. These seven tips will help protect your home against damage and make your home more comfortable for the winter season. Implementing these seven tips will save on future expenses and inconvenience!

1.    Clean out the Fireplace and Chimney

Clean the fireplace and chimney before firing up the fireplace in winter. A clean chimney means a safe fireplace.

2.    Inspect Smoke Detectors

You’ll use more heaters and the fireplace in winter, and you never know when an accident or a fire may occur. Checking all smoke and carbon monoxide detectors, replacing batteries, and checking that the sensors work correctly will prepare you for emergencies.

3.    Seal Your Home

Sealing your home keeps it warmer by helping to retain heat and help you save on energy bills. Warm air can easily escape through cracks and gaps, making your heating system work overtime, thus increasing utility bill costs. Sealing your home can also help protect against water damage and water leaking in and freezing, which could wreak havoc on the structural integrity of your home.

4.    Inspect and Service the Heating System

You will depend on your heating system to keep you and your loved ones warm in the following months. So have it checked and serviced before you start using it.

5.    Check and Replace all Weather Stripping.

Weatherstripping needs replacing every fear years as its efficiency reduces with age. Check and replace worn or cracked stripping around windows and doors. This will help protect against damage and help ensure energy efficiency of your home.

6.    Drain and Turn Off Outside Faucets

The outdoor faucets can freeze in cold winter temperatures. So failure to shut off and drain the lines can lead to burst or cracked pipes and facets and a disaster. Faucets exiting your home should have a shut-off valve where the faucet leaves the basement or where the faucet pipe branches from the primary source. Have a licensed plumber install them if you don’t have shut-off valves. Completely drain off the outside faucet after turning off the water from the inside. Once you drain the water, close the drain plug and turn the outdoor faucet off.

7.    Clean and Check the Furnace

Regular maintenance keeps the furnace running in top form. Start by cleaning or replacing the furnace filter to improve the air quality and efficiency. Follow the cleaning instructions if cleaning permanent filters, and ensure you get the correct-sized replaceable filter if changing it. Have an HVAC professional inspect any furnace over 15-year-old to ensure it’s working correctly before use. They can detect potential problems and offer advice about improving the furnace's efficiency. Vacuuming around the furnace and inside the floor and air intake vents improves air movement. It is always better to have the home professionally cleaned if you have pets or have moved into a newly built house. These seven steps will help prepare your home for fall. Do not hesitate to hire a professional to prevent injury and damage if you aren’t comfortable handling the tasks yourself. These seven tips from Preferred Insurance Agency will help you protect your home from damage and wear and tear. In order to take additional steps to protect yourself from unforeseen circumstances you can contact Preferred Insurance Agency of La Crosse or visit our Google Business page to read reviews and get contact information. If you are in the Jackson County or Black River Falls area you can contact Preferred Insurance Agency of Black River Falls, or visit our Black River Falls office Google Business page to read reviews and get contact information.  

source https://www.preferredlax.com/article/7-tips-to-help-prepare-your-home-for-winter

Should I Buy Rental Car Insurance?

Should I buy rental car insurance when renting? Should I pay extra for rental car insurance? How many of you wondered about this while filling out the paperwork at a rental car company? If you have, you are not alone, as it’s one of the foremost questions in most people’s minds when it comes to renting a car. Unfortunately, the answer isn’t straightforward as it depends on various factors. This article will help you understand rental car insurance, whether or not you need it and if you should buy it from the car rental company.

What is Rental Car Insurance?

Rental car insurance differs from your existing auto insurance in that it protects your rented car while renting it. These policies comprise multiple components, including: Collision damage waiver (CDW) With CDW, the rental company cannot hold you responsible for repairs or replacement costs if the rental car gets damaged in your possession.

• Collision damage waiver (CDW) - With CDW, the rental company cannot hold you responsible for repairs or replacement costs if the rental car gets damaged in your possession.
• Collision damage waiver (CDW)  - With CDW, the rental company cannot hold you responsible for repairs or replacement costs if the rental car gets damaged in your possession.
• Supplemental liability protection (SLP) - CDW covers vehicle-related expenses where you may be liable for medical expenses and property damage to other parties in an accident. This is where SLP can help, which covers some of these costs depending on your purchase coverage.
• Personal accident insurance (PAI) - PAI pays for medical expenses you and fellow passengers incur because of the accident.
• Personal effects coverage (PEC) - This coverage works during a car theft by covering most of your possession costs.

 

Do I Need Rental Car Insurance to Rent a Car?

No, there is no rule saying you must buy car insurance from your rental agency.  Many insurance companies focus solely on rental car insurance. Besides, it is always better to check before getting rental car insurance. Most of the time, your existing auto policy or premium credit card covers car rental.

Does My Current Car Insurance Policy Cover Car Rental?

It depends on your car insurance provider. So reach out to them to learn more about the coverage your current plan provides.

Can I use My Credit Card Benefits for Rental Car Coverage?

Most credit cards do include rental car coverage as part of their benefits. However, credit card benefits don’t provide SLP or PAO, which means you will be held responsible for:

• Any damages inflicted to someone else’s car and personal property.
• The medical expenses for everyone involved in the accident, including you - So it is better to check with your credit card company to determine the extent of their rental car coverage. It’s always better to buy rental car insurance if it’s insufficient, and you require additional protection.

Can I use My Credit Card Benefits if I Buy Insurance From the Car Rental Company?

No, you cannot. Once you buy rental coverage, it cancels out any credit card benefits.

How Much Auto Insurance Coverage Do I need?

You can decide based on the legal minimum insurance requirements for your state and other states you will be traveling through. You generally need to get a policy providing coverage for:

• Damages and medical expenses to a third party if you are at fault
• Damages inflicted to your vehicle
• Any potential medical expenses for you and your passengers.

What if I Keep Valuables in a Rental Car?

Both auto and rental car insurance policies do not provide coverage for valuables in the car.

Do I Need Rental Car Insurance for International Travel

No, most rental car insurance policies do not provide coverage for international travel.

How Much Does Rental Car Insurance Cost?

The price varies and depends on various factors like the car type, where you plan to travel, and if your existing auto policy or credit card offers rental car coverage.

Can I Rent a Car Without Having Insurance?

Yes, you can because most rental cars are insured. However, it is better to have some form of rental insurance because you will be held responsible for any vehicular damages if you don’t have insurance.

When Should you Get Rental Car Insurance?

Though opting for rental car insurance depends on various circumstances, it makes sense to opt for rental car insurance if:

• You don’t have auto insurance. In this case, having a collision damage waiver and liability coverage protects you if you are involved in an accident.
• You are renting a car outside the US or Canada as your existing auto insurance won’t cover you while renting cars in another country.
• You have a high deductible on your car insurance policy as rental car insurance offers no or low deductible.
• You don’t have health insurance or medical payments coverage, as rental car insurance will cover your medical expenses if you get involved in an accident.
• You are worried about increasing auto insurance premiums

When You Don't Need the Rental Company's Insurance

There are some scenarios where you don’t need rental car insurance, still get the coverage you require, and save money. Examples of common situations include:

• Having robust auto insurance where your personal insurance provides sufficient coverage
• Using your credit card to preserve and pay for the rental car as the card has collision coverage

The Bottom Line: Do You Need Rental Car Insurance?

So, in a nutshell, the answer to do I need to buy insurance when I rent a car depends on:

• Whether or not your auto policy provides rental car insurance
• How much insurance coverage do you need in your home state
• Insurance requirements in your destination or wherever you travel
• If the auto car policy coverage is sufficient
• The car you rent as an expensive car requires more coverage

And if you do need rental car insurance, you can buy it from any car rental insurance provider and not necessarily from the car rental company.

Want to Make Rental Car Insurance a Part of Your Policy?

Contact us today and we'll make it happen. If you're looking for rental car insurance near our Black River Falls, WI office call +1 715-284-5318 or visit our Black River Falls auto insurance page. If you're looking for rental car insurance near our La Crosse, WI office call +1 608-881-6566 or visit our La Crosse auto insurance page.

source https://www.preferredlax.com/article/should-i-buy-rental-car-insurance

Now You Can Stop Wasting Money On Insurance in Black River Falls

When it comes to providing home insurance, auto insurance, and more insurance services in Black River Falls, WI and throughout Jackson county, Preferred Insurance Agency is at or near the top of the list. With over 240 five star business reviews on Google they have a proven track record of providing quality insurance, and impeccable customer service, to ensure not only are you saving money on your home insurance and auto insurance coverage, but their experienced insurance agents will insure you are properly covered in the event of unforseen circumstances.

Black River Falls Newest Insurance Agency

Preferred Insurance Agency of Black River Falls, WI as of the writing of this article, is about 6 months in since the opening of our new Black River Falls office opening. Being that we are the "new kid on the block" we're surprised as to how much people are responding to the types of savings they're getting on home insurance, auto insurance, business insurance, farm insurance, flood insurance, and more.

How Does Preferred Insurance Save Black River Falls Residents Money on Insurance?

We help residents of the Black River Falls area save money on insurance in a couple of ways. First, our insurance agents are seasoned professionals. Our Black River Falls insurance Agents have a combined experience of 45+ years working as insurance professionals. This means they have a deep understanding of insurance policies of all types, they understand the complexities and potential requirements of your insurance policy and how to set it up properly in order to ensure you are protected in circumstances you may not even have thought of, but that they have encountered in the past. This way you're always protected. Next, we have the unique ability to shop with multiple top national insurance providers so we have them competing over you and we can then choose the best price on the best possible coverage for you. This is what surprises our customers the most, when they realize they have been overspending on insurance for years, without even thinking about it. But we provide you with options of insurance companies, and that's how we get you the best price on home insurance in Black River Falls, auto insurance in Black River Falls, and whatever other kind of insurance you can think of.

Are You From Black River Falls and Want to Save on Insurance Costs?

If you're from Black River Falls, WI or surrounding areas in Jackson County or elsewhere, saving on your insurance is simple. Simply contact us by filling out the contact form at the bottom of this page, call us at (715) 284-5318 or visit us in person at our insurance agency office at 10 S Roosevelt Rd, Black River Falls, WI 54615, and talk to an agent. We'd love to see you, let's get started on saving you money on insurance while at the same time getting you better coverage! It's a win-win. We're looking forward to working with you.

source https://www.preferredlax.com/article/now-you-can-stop-wasting-money-on-insurance-in-black-river-falls

Preferred Insurance Agency Now in Black River Falls, WI

Purchasing a new car, new home, motorcycle, rental home, or even a boat can be exciting but you'll also want to make sure you're covered and protected from unexpected calamities and accidents with a quality and complete insurance policy. That's where we come in. Our experienced agents at Preferred Insurance agency know how important this is and we can help you navigate the unfamiliar and often complex territory that is shopping for adequate insurance coverage. Our team can help select the right insurance policies for your valued possessions at the most competitive prices. And now, for those of you in Black River Falls, WI and in surrounding Jackson County, it will be even easier to save with us. We've opened a new insurance office in Black River Falls at 10 S Roosevelt Rd. so you can come on into our office and discuss your insurance over coffee rather than arguing on the phone with robots.  

Why Shop with a Local Independent Insurance Agency

Our existing customers chose to work with Preferred Insurance because we are a local independent insurance company. And as a local independent insurance company, we help save you your money by offering the most competitive rates, as well as ensuring you have adequate coverage for things other insurance agencies may miss. You may wonder how this is possible, and how it works.  Most insurance agents only work with one insurance company. So you have no other option than to accept their quotes for your home insurance policy, auto insurance policy, or any other policy you're looking to buy. Preferred Insurance Agency, however, is a local independent insurance agency. We provide insurance quotes from many of the TOP NATIONAL INSURANCE PROVIDERS. So we, in the process, can get you the absolute Best Price on Insurance in Black River Falls, WI, for the same (or better) coverage!  It's so simple that you should contact us and have us quote insurance policies for you today.  Chances are, we WILL save you money.  

What Kinds of Insurance Do We Offer at Our Black River Falls, WI Office?

Your Preferred Insurance Agency, Black River Falls, WI, offers the following insurance policies, and more:  

Home Insurance

We know that you want to protect your home’s physical structure, unique and expensive belongings, and medical costs if someone gets injured on your property.  Our home insurance policies offer standard home insurance coverage and plenty of optional coverages to protect all of the things that matter to you..   

Auto Insurance

If you live in or around the Black River Falls, area and need auto insurance, we will help you figure out what auto insurance coverage and options you need so you're protected in unexpected circumstances. We will alert you to potential savings on your auto insurance policy in regards to liability insurance, collision, and comprehensive insurance coverage. We can also help you save through safe driving, car safety, multi-car, and multi-policy discounts.  Contact us now to learn more about our discounts. 

Business Insurance

A business comes with its share of risks, which is why every business owner should be proactive and acquire adequate business insurance coverage. We offer business insurance coverage for most potential risks your business may face, like general liability, product liability, professional liability, commercial property, and home-based business insurance.  

Flood Insurance

Floods come unannounced and can occur anywhere, especially in high-risk zones. So you need flood insurance against floods and reimburse you for all flood-related work you and your family do, like sandbagging, moving furniture, and removing debris.  Unfortunately, not many homeowner insurance policyholders know that homeowners insurance doesn’t cover flood insurance, thus ending up without any protection from floods. We at Preferred Insurance, however, will educate you about this.  And offer multiple free flood insurance quotes from various insurance agents to compare and get the best possible rate. Request a quote today to see how much we can save you!

Motorcycle Insurance

The right motorcycle insurance makes you a safe and responsible motorcyclist. It protects you against loss in case of an accident and covers the costs of losses caused to others in an accident.  At Preferred Insurance, Black River Falls, WI, we have multiple motorcycle insurance policies to select from to meet your needs. 

Boat and Watercraft Insurance

You love the time you get to spend on the waters on your boat with family and friends. However, as your watercraft is an asset, it needs protection against unexpected liabilities.  This is where we can help.  You can rely on Preferred Insurance, Black River Falls, to help you select an affordable boat and watercraft insurance and prevent costly litigations in case of theft, fire, and sinking. Contact us today for a free, no-obligation quote on boat and watercraft insurance policies.  

We're Excited to Join the Black River Falls Area

We are excited to be a part of this fantastic community by visiting places like Black River Falls Dam and checking out local restaurants. There’s something here for everyone!  Wazee Lake is the perfect spot for scuba diving, fishing, and camping. And if you are a nature lover, you have to visit the Castle Mound Pine Forest.  Black River Falls also has something for casino enthusiasts in the famous Ho-Chunk Gaming Black River Falls Casino.   If you are here for schooling, there are numerous colleges near Black River Falls, like Western Technical College and the University of Wisconsin La Crosse. Visit the official City of Black River Falls website or the Jackson County Historical Society Museum for more information about the Black River Falls area.   

Start Saving Today!

If you live in Black River Falls, WI, or the surrounding Jackson County area, contact us at (715) 284-5318. You can also visit us at 10 S Roosevelt Rd, Black River Falls, WI 54615 to let us get you on the path to savings today, and as quickly as possible.   

source https://www.preferredlax.com/article/preferred-insurance-agency-now-in-black-river-falls-wi

New Insurance Agency in Black River Falls, Wisconsin

Your Local Black River Falls Independent Insurance Agency

Preferred Insurance Agency is a western Wisconsin independent insurance agency serving all of Wisconsin. We are licensed in Wisconsin, Minnesota, and Iowa and now have an insurance agency office in Black River Falls, WI. We have hundreds of 5 star reviews online because we do two things very well. First, we save our customers money on their auto insurance, home insurance, business insurance, flood insurance, and much more. Second, we bring the best insurance agents onboard so we’re able to provide a level of local customer service that you won’t find with the big insurance companies, as well as craft insurance policies to make sure you are always well protected from the unexpected. We pride ourselves on helping our customers not only find better prices for better insurance policies, but we’re here to serve you at our office to help you handle any insurance claims.

Over 267 5-Star Reviews

We have over 250 5-Star reviews. Our priority is you and we want to make protecting you and your loved ones as simple and affordable as possible. Our policy holders have spoken, and we encourage you to see what they say.

Save Money

We know how to save you money on your insurance policy while at the same time ensuring you are covered in scenarios you may not have even thought of. We run quotes through our network of top insurance companies and bring you the best price on the same or better insurance coverage.

Impeccable Customer Service

We’re a local insurance agency, so rather than have to struggle to speak with a real person over the phone with a giant insurance company, you can call us, or stop in and we’ll answer any questions and assist you in navigating your insurance policy when it matters most, during an insurance claim.

Experienced Agents

We leave no stone unturned when it comes to making sure you aren’t left vulnerable when it comes to your insurance coverage. Our seasoned insurance professionals will ensure you’re protected when it matters most.

 

Auto Insurance

Paying too much for auto insurance? With our flexible coverage options and expert service, you’ll know your vehicle is getting the best protection possible at the best rate.

GET COVERAGE(OPENS IN NEW TAB)

Home Insurance

Your home is your greatest investment, but you shouldn’t have to break the bank to insure it. Find out how much we can save you on your homeowner policy today.

GET COVERAGE(OPENS IN NEW TAB)

Flood Insurance

A flood insurance policy also reimburses you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.

GET COVERAGE(OPENS IN NEW TAB)

Business Insurance

As a business owner, you have enough on your mind without having to worry about your insurance needs. Let us find the best coverage at the best rates for your business.

GET COVERAGE(OPENS IN NEW TAB)

 

Our Black River Falls Insurance Agents

Tony Rausa

Agency Owner

Tony’s career in insurance started back in 2014 after 3 years Tony opened his own insurance agency in La Crosse, WI. His likable and friendly personality, his passion for helping people, and his ability to meet the needs of clients has brought him great success in the region. This has allowed him to expand his reach with his second insurance office opening here in Black River Falls.

Angie Werre

Office Manager/Licensed Insurance Agent

Angie has over 20 years experience as an insurance professional, she made the switch to independent insurance 10 years ago because of the advantages independent insurance makes available to clients. In addition to being a savvy insurance expert, she has been a staple of the Black River Falls insurance world since 2013. Her experience with commercial, farm, auto, and home insurance assures you will get the best possible price, on the most complete coverage.

Linette Davidson

Licensed Insurance Agent

Linette, also a staple of the Black River Falls insurance landscape, has been a part of the insurance community for over 26 years, with this experience comes impeccable customer service and deep knowledge of insurance policies and coverage for home, business, farm, and commercial insurance. Linette can help you navigate the intricacies of insurance, and will leave no stone unturned in making sure you are fully protected when it matters most.

Black River Falls, WI

Preferred Insurance Agency

• 10 S Roosevelt Rd
• Black River Falls, Wisconsin 54615

Phone: (715) 284-5318

• Office Hours
• Mon-Thu: 8:00am-4:30pm
• Fri: 8:00am-12:00pm
• Sat-Sun: Closed

source https://www.preferredlax.com/article/new-insurance-agency-in-black-river-falls-wisconsin

Auto Insurance in Black River Falls, Wisconsin

We’ll Get You the Best Price on Auto Insurance!

• Compare Rates
• Top Notch Customer Service
• Over 230 5-Star Customer Reviews
• Liability Coverage
• Collision Coverage
• Comprehensive Coverage
• Accident Forgiveness
• Roadside Assistance

Black River Falls, WI New Independent Insurance Agency

Preferred Insurance Agency is Black River Falls newest local Independent insurance agency. We got our start in the La Crosse area in 2018 and with over 250 5-Star reviews we pride ourselves on saving our customers money and impeccable local customer service. We think you’ll be very happy with what we can do for you when it comes to saving money on your car insurance policy. It might seem to you that auto insurance coverage would be the same no matter which company you choose, but the truth is, there are plenty of opportunities for people to save money on their car insurance, and even more if you bundle it with home insurance. You Can Read Our Latest Black River Falls Customer Reviews Here La Crosse Office Customer Reviews

How We Get You Affordable Auto Insurance in Black River Falls, WI

Preferred Insurance Agency is and independent insurance agency, which means we can shop around with multiple car insurance providers. We gather some information from you, run a quote, and we get multiple price quotes from the different auto insurance providers. We choose the best one that fits your needs, so you pay the same or less for the same auto insurance coverage.

We Can Help You With the Following Types Auto Insurance Coverage

Liability Coverage

Liability insurance covers property damage repair costs and your medical bills if you get involved in an accident. It provides vital extra protection if you are the at-fault party in an accident.

Collision Coverage

Collision coverage pays for auto repairs in a covered accident. It even bears the value of your car if it’s totaled, and the repair costs exceed your car cost.

Comprehensive Coverage

It’s not always an accident that makes you claim insurance coverage, there may be situations where something unrelated to an automobile accident damages your car. For example, it may have borne the brunt of weather damage, gotten hit by deer, or gotten stolen. Comprehensive coverage will help cover the loss in these instances depending on your level of coverage.

Bodily Injury Coverage

Bodily Injury coverage will cover medical expenses up to a certain amount for anyone injured in a car accident other than yourself.

Property Damage Liability

Property damage liability coverage will help cover damages to another vehicle or property if involved in an accident.

Uninsured Motorist

Uninsured motorist (sometimes referred to as UM) coverage will help cover bodily injury of any occupants of your vehicle when hit by a motorist without proper auto insurance coverage.

Underinsured Motorist

Underinsured motorist coverage is similar to uninsured motiorist coverage in that it will help cover bodily injury of any occupants of your vehicle when hit by a motorist that may have an auto insurance policy but that is not robust enough to cover cost of damages incurred in an accident.

About Black River Falls

Black RIver Falls is a city in Jackson County, Wisconsin, USA perched right on the Black River with a population of approximately 3,600. Originally a sawmill town, Black River Falls was founded in order to capture and utilize the power of the water flow of the Black River. Black River Falls is also known for its agriculture and tourism, including the popular Wisconsin getaway, Lake Arbutus. For more local Black River Falls information visit https://www.blackrivercountry.net/ or https://wwisradio.com/

Contact Us or Visit Us Today

Preferred Insurance Agency of Black River Falls 10 S Roosevelt Rd, Black River Falls, WI 54615 (715) 284-5318 https://www.preferredlax.com/black-river-falls-wisconsin/

source https://www.preferredlax.com/article/auto-insurance-in-black-river-falls-wisconsin

Is Home Insurance the Same as Homeowners Insurance?

To some, it might seem like an obvious question, but a common question many ask us at Preferred Insurance Agency is, "Are Home Insurance and Homeowners Insurance the same thing?" Read on to find the answer.

What Is Homeowners Insurance?

Many people wonder, "Is there a difference between a home insurance policy and homeowners insurance policy?" Well, there are no differences, but people use these interchangeable phrases to refer to their home insurance policies. Home insurance, property insurance or homeowners insurance are all commonly used interchangeably by people and insurance professionals. And while house insurance coverage and homeowners insurance coverage are generally the same, things can get a little more tricky. Homeowners insurance is called so because the policy covers more than your house structure. It protects you, the homeowner, from these six different aspects or protection types for your home during an accident on your property:

Dwelling coverage

Dwelling coverage protects your house structure against covered hazards like fire, wind, hail, and lightning. It is usually enough to rebuild your home entirely if destroyed by a covered event. Flood and earthquake coverage, however, isn't included.

Other property structures

This coverage protects detached garages, sheds, and fences from covered events. While the coverage limit is usually 10% of dwelling coverage, you can buy more protection if required.

Contents coverage

Contents or personal property coverage protects any of your possessions like clothing, furniture, and electronics stolen or destroyed by covered hazards. While it's typically between 50-70% of your dwelling coverage, it usually covers expensive items like furs and jewelry.

Loss of use coverage

This coverage applies when your home gets inhabitable because of a covered loss or event. The coverage helps with your living expenses, including restaurant and hotel bills incurred while replacing or repairing your home. The coverage is typically 20% of your dwelling coverage limit, but some policies include time limits.

Personal liability coverage

This coverage helps if someone sues you for:

• Getting hurt on your property
• Getting injured by your pets
• Suffering property damage from an event you or your household member caused.

Personal liability coverage pays for your legal defense and any lawsuit settlement up to your coverage limits. While the coverage limit is $100,000, you can always buy extra coverage.

Medical payment coverage

This coverage helps pay the medical bills for parties hurt on your property, but don't sue. While it pays medical expenses up to your coverage limit of $1,000, you can always buy additional coverage.

When Is Homeowners Insurance Required?

You are not legally required by state or federal law to have homeowners insurance. However, banks do require it as your mortgage condition. So you probably should start getting home insurance quotes once your home offer is accepted. Besides, as your mortgage company may require a quote to complete the loan process, having a quote smoothens the loan process. A home insurance policy is also typically required while closing a mortgage loan. Your insurance agent or company will send the documents to your mortgage lender and help you through the process so that there's no delay in your closing.

In Conclusion

Home insurance and Homeowners insurance are the same thing and used interchangeably in the insurance world. And while a home insurance policy isn't legally required, it's worth it because home insurance coverage protects you from enormous financial loss and the costs of any unexpected losses on your property. Preferred Insurance Agency of La Crosse is the La Crosse area’s top rated insurance company. We have the unique advantage of being able to run your home insurance quote through multiple insurance providers so we can get you the best price for the same home insurance coverage. Visit our La Crosse home insurance page for a homeowners insurance quote. You Might Also Like: Quick Guide to Common Winter Home Insurance Claims

source https://www.preferredlax.com/article/is-home-insurance-the-same-as-homeowners-insurance

Quick Guide to Common Winter Home Insurance Claims

Winter cold temperatures and harsh storms can lead to power outages and burst pipes. You may be grateful for home insurance, where you can make claims when these accidents happen. However, did you know that its claims can raise your overall next year’s premiums? Being aware of the top five winter homeowners insurance claims can help prevent such damage and consequent repair bills. The most common winter home insurance claims.

These are the Most Common Winter Home Insurance Claims:

Frozen Pipes

The frozen water in a pipe can make the pipe burst, thus resulting in extensive water damage and mold. Most home insurance policies cover burst pipe damage. Your dwelling coverage covers home repair costs, and personal property coverage pays for damaged belongings.

Snow and Ice Damage

During winter, various forms of snow and ice damage to your home can occur. For example, ice accumulates on the roof after a thaw and freeze cycle where the weight causes structural roof damage. Ice dams can also cause heavy ice buildup and trigger wall and ceiling mold problems. Ice dams occur when melted snow runs down the roof and freezes before draining off the edge.

House Fires

Yes, house fires are pretty common in winter due to cooking fires around Thanksgiving, Christmas Day, and Christmas Eve, and candle fires on Christmas day. Home heating and lighting can trigger house fires due to space heaters and holiday lights.

Wind and Hail Damage

There’s no doubt that your house will protect you from wind and hail. However, did you ever realize how much your home suffers from it? Always check your home and roof for damages immediately after a hailstorm so that you can promptly file a claim. It’s better than noticing the damage only after some time and ending up with your claim denied.

Personal Injury Liability

Icy driveways or stairs and falling debris or icicles are dangerous for you and visitors. You end up liable for personal injuries incurred on your property.

Preventive Measures Worth Adopting:

It doesn’t matter what the cause for damage is. Adopting preventive actions can help avoid a disaster and winter home insurance claims.

Tips to Avoid Frozen and Burst Pipes:

• Keep water running by dripping both hot and cold water lines to prevent freezing and relieve pressure in pipes.
• Cover pipes exposed to chill temperatures with sleeves or newspapers.
• Shut off the water if a pipe freezes and thaw the frozen water with a heated pad or hairdryer.
• Drain and disconnect garden hoses and sprinkler supply lines before winter sets in.
• Install leak detection technology or a water shutoff device. It alerts you when a leak appears so that you can shut off the water or make appropriate repairs.
• Maintain a consistent indoor temperature below 60 degrees if you aren’t at home for an extended period.
• Leave under-sink cabinet doors open to facilitate warm air circulation around the pipes.

Tips to Avoid Ice Dams on the Roof:

• Keep your attic properly insulated.
• Use heat cables and rubberized shingles to prevent ice dams from forming
• Keep all gutters clear of debris to facilitate the proper draining of melted snow
• Increase attic ventilation

Tips to Avoid Fallen Tree Branches:

• Regularly trim trees
• Remove dead trees or tree limbs

Tips to Prevent House Fires:

• Use flashlights instead of candles during power outages
• Turn off all electric appliances after continual use
• Water Christmas trees so that they don’t dry and become fire hazards
• Do not use the stove to heat your home
• Install a screen in front of the fireplace
• Professionally cleaning the fireplace annually
• Keep portable heating devices at least three feet from anything flammable
• Regularly test smoke alarms
• No unattended burning candles and food on the stovetop

Tips to Prevent Slipping and Falling on the Ground:

• Keep sidewalks, porches, and outdoor steps clear of snow and ice
• Know the bylaws for inclement weather
• Melt the ice using a ground treatment like salt or warm water or a natural deicer of rubber alcohol, hot water, and dish soap.

Tips to Help You File an Accurate Home Insurance Claim:

• Take pictures immediately for accurate proof of the severity of damage in a claim.
• Make temporary repairs to prevent further damage to your home
• Save all receipts of services and supplies to submit with your claim
• Know your insurance limits and exclusions

What Does Home Insurance Cover in Winter?

Home insurance policies cover most wind, rain, snow, or ice damages. It also covers additional living expenses if your house becomes uninhabitable due to the damages and you need to stay somewhere.

Standard Home Insurance Covers Damage From:

Falling snow Fallen tree limbs Freezing rain or snow Wind to your house, roof, or other insured structures Weight of accumulated snow on your house Ice and frozen or burst pipes

What Doesn’t Home Insurance Cover in Winter?

The insurer’s declarations page lists what is covered, while the policy’s exclusions section lists out what isn’t covered. However, it’s always better to ask your insurance agent or company what your home insurance policy doesn’t cover. For example, most policies do not cover: Flood damage from melting snow or heavy rain Cosmetic damages caused by wind and hail Damages due to negligence or poor property maintenance Also, Your claim may also be denied if you weren’t living at the property when the damage occurred. Check your personal property limits as some items like antiques and jewelry have lower limits than other belongings. You may require additional coverage if you have lots of valuables. Preferred Insurance Agency of La Crosse is the La Crosse area’s #1 insurance company. We have the unique advantage of being able to run your home insurance quote through multiple insurance providers so we can get you the best price for the same home insurance coverage. Visit our La Crosse home insurance page for a homeowners insurance quote. For directions click here.  

Related Home Insurance Articles:

Does Wisconsin Homeowners Insurance Cover Outdoor Structures?

source https://www.preferredlax.com/article/quick-guide-to-common-winter-home-insurance-claims

The 5 Types of Auto Insurance Coverage

After so many sacrifices, budget planning, and savings, you’ve finally managed to invest in your dream car. The dream car that’s been the apple of your eye for years will now finally be in your garage. But along with that investment comes the lingering fear of the risk of something happening to your car. You want to protect your vehicle against possible theft or damage through accidents, and protect yourself from injury and unforeseen expenses. And you’ll do that by acquiring auto insurance. When you first start looking, you realize that there are multiple types of car insurance coverage available, and making the right choice might seem overwhelming. You don’t know what type of coverage you might need, nor what the minimum auto insurance coverage your state is. You might also wonder if there is any way you can save money and still get your required coverage. Well, the good news is, this quick guide will provide help. Here is a brief description of the five types of auto insurance coverage and tips to help you save on your car insurance policy.

Five Types of Car Insurance Coverage

1. Liability Insurance

Liability insurance covers property damage repair costs and your medical bills if you get involved in an accident. It provides vital extra protection if you are the at-fault party in an accident. You otherwise are responsible for claims which exceed your coverage upper limit. No one wants to end up having to pay a large amount of money just because your claim exceeds your policy limits! While most states have a minimum liability insurance coverage requirement for drivers, it’s better to have more if you can afford it.

2. Collision Coverage

Collision coverage pays for auto repairs in a covered accident. It even bears the value of your car if it’s totaled, and the repair costs exceed your car cost. Depending on the value, it may sometimes not be worth having collision coverage if you have an older car. However, if you have a new or expensive car, then collision coverage proves helpful at getting you back to where you were before the accident. If you are paying off an auto loan, you are most likely required to carry collision coverage as part of your policy.

3. Comprehensive Coverage

It’s not always an accident that makes you claim insurance coverage. There may be situations where something unrelated to an automobile accident damages your car. For example, it may have borne the brunt of weather damage, gotten hit by deer, or gotten stolen. In these instances you may wonder if your insurance company will cover the loss. While collision and liability insurance covers accidents, it doesn’t provide coverage in these situations. This is where you need comprehensive coverage. This insurance coverage is indeed expensive but worth having if you can afford it, and you may be able to save some money if you have anti-theft and tracking devices installed in your car. While it’s necessary if you are a lienholder, you may not require it if your car can be easily replaced.

4. Personal Injury Protection

Unlike comprehensive coverage, which you needn’t necessarily purchase, you may want to include personal injury protection coverage as part of your car insurance policy, because the injuries sustained in an accident can get expensive and complicated. And you don’t want to end up with added medical bills and costs. Personal injury protection helps cover medical costs. It covers not just yours but also your passengers’ medical bills. And it doesn’t even matter who was at fault for the accident.

5. Uninsured or Underinsured Motorist Protection

While all drivers are required to have auto insurance, unfortunately, some don’t. So there’s always the risk of you ending up in an accident with someone who doesn’t have insurance. And you won’t receive a payment if they don’t have coverage. This is a scenario you want to avoid at all costs. There’s also the risk of the driver having only liability insurance. The problem here is that many states have a relatively low minimum liability coverage requirement. So there’s the chance that it may not be enough to cover all of your accident expenses. In this case, you end up receiving a lower amount of money than necessary to cover the cost of vehicular damages and personal injuries. Uninsured or underinsured motorist protection will help with your expenses, and most likely something you will be interested in having since a 2021 study shows that about 1 in 8 drivers are uninsured! The good news is that it’s relatively inexpensive to add uninsured/underinsured motorist protection to your existing policy. Besides, it can prove really helpful if you end up in an accident with an uninsured or underinsured motorist! There you go! You now have a much better understanding of the five types of car insurance coverage available. It’s up to you to decide which coverage you should and preferably must get based on your budget and coverage needs.   To help get you protected, contact Preferred Insurance Agency today and we’ll save you money on your same auto insurance policy or better, and make sure you and your family are protected from the unexpected. We’re serving providing the La Crosse and Onalaska with the best auto insurance prices and customer service. We serve the  surrounding areas of Iowa, Minnesota, and Wisconsin as well. Call (608) 881-6566 visit us at 401 King Street, La Crosse. Or submit our online quote form, and we’ll get back to you shortly.

source https://www.preferredlax.com/article/the-5-types-of-auto-insurance-coverage