Why Do I Need Homeowners Insurance?Unexpected things happen, whether it’s accidental damage, or disaster, it’s best to be prepared, that is what we do best. We protect homeowners, inform them as to what may be in their best interest and help them to navigate the complexities of homeowners insurance. Insurance coverage options include everything from fire damage, to injuries, and theft. But not everything will be covered under a standard home insurance policy, which is why it is important to consult with a trusted and knowledgeable local home insurance provider. Fill out the form above for a no-obligation free insurance quote and we will get the process started of protecting you and your home. You reach out, and we’ll be in touch, it’s that easy. And we’re happy to help you navigate the complexities of homeowners insurance.The Benefits of a Local Home Insurance ProviderAt Preferred Insurance Agency we know much work you’ve put in to turn your house into a home. When you work with a local insurance provider like La Crosse, WI based, Preferred Insurance Agency, you get treated like a real person, not just another person waiting in queue to be sold a product. Our five star reputation is built on impeccable customer service, meaning we will be right there with you to help you make the best decisions when it comes to protecting everything you’ve worked so hard for. We are readily available to help you at any time, if you have questions or concerns, call us and talk to a real person right away or if you like we invite you in to our office and we can provide you with assistance in person. You can also visit the Home Insurance Frequently Asked Questions at the bottom of this page for some quick answers to some common questions our clients have.Protecting Your Home and Everything In ItOur 5 Star Local Reputation was built on not only building trust and positive relationships with our clients, but also on providing Homeowners insurance that is both flexible and affordable. We work with you to advise you as to what the best options are when it comes to protecting your home and everything in it, and determine which coverage options are best suited for you. Our team is dedicated to finding the best solution that will give you security and peace of mind when it comes to protecting you and your family.Homeowners Insurance Coverage OptionsThere are numerous coverage options associated with homeowners insurance, including coverage for your property and liability insurance. Make sure to inform yourself about all possibly coverage options to ensure you don’t leave yourself vulnerable to negative financial impact. Here are a few examples of insurance coverage options:DwellingDwelling coverage will cover the cost of any claims associated with the dwelling itself, not including property within.Other StructuresYou will want coverage for any other structures on your property such as a garage or gazebo, etc.Personal PropertyPersonal property coverage is the amount of coverage associated with the loss of personal property due to burglary or damage.Loss Of UseLoss of use is a part of every standard insurance policy and covers expenses incurred upon the condition that you lose the ability to use your home. These expenses may include transportation related costs and hotel costs, and groceries during the time that your home is being repaired or rebuilt.Comprehensive Personal LiabilityPersonal liability covers you against claims from accidents or injury to others on property you own or rent.Flood InsuranceCovers your home and property in case of water damage due to flooding.About La CrosseLa Crosse, WI is a small city of 60,000 residents located on the Mississippi River, featuring beautiful homes lining Cass Street, and a bustling area of businesses and restaurants in downtown La Crosse. Parks include, Pettibone Park located on Barron Island in the Mississippi, Riverside Park across from Pettibone Beach, also on the Mississippi, and Myrick park on La Crosse Street. Popular outdoor activities include hiking on Granddad’s Bluff hiking on the Hixon Forest Nature Trails. There are many schools in the area as well as post-xxx education including the University of Wisconsin at La Crosse, Viterbo College, and Western College. La Crosse is a great place for new homeowners as the city is affordable yet has all of the food options and activities of a growing small city.About Preferred Insurance AgencyPreferred Insurance Agency is an independent insurance agency based in La Crosse, Wisconsin, offering auto insurance, home insurance, flood insurance, business insurance, and life insurance. We are licensed in Wisconsin, Minnesota, and Iowa. Our agents are dedicated and pride themselves on providing our customers with excellent customer service. Our reviews speak for themselves regarding our customer service, with us having over 100 5 Star reviews on Google.Free Home Insurance Quote La Crosse, WIFor a free homeowners insurance quote simply call Preferred Insurance Agency at (608) 881-6566 to speak with one of our insurance agents, visit us in person at 401 King St, La Crosse, Wisconsin 54601, or fill out the form above.Homeowners Insurance FAQWhy do I need Homeowners Insurance?If you have a mortgage loan on your home, home insurance coverage is required by your lender. Home insurance protects your home and assets from unexpected circumstances that may incur property damage or loss.Who Should Have Home Insurance?Everyone who owns a home should be protected by an adequate homeowners insurance policy.How Much Homeowners Insurance do I need?We recommend enough insurance coverage to cover the cost of replacing your house. Sometimes called “RCV,” the replacement cost for homeowners insurance is the amount of money it would take to replace your damaged or destroyed home with the exact same or a similar home in today's market. Some home insurance policies and endorsements also cover the replacement cost of personal property.How Much Does Home Insurance Cost?There are many factors that determine the cost of homeowners insurance including the credit status, year the house was built, square footage of the home, and roof type to name a few. In La Crosse, WI the average homeowners insurance policy costs between $400 to $1600 per month.How can I save money on Homeowners insurance?You can save money and acquire affordable home insurance by working with an independent insurance agency that can shop your home insurance with multiple carriers. Always notify your insurance agent if you have any updates on the house such as new roof, furnace, remodeling, etc. and they may be able to save you money on your insurance policy.Does Homeowners Insurance automatically cover all of my belongings?If you were to take your home, turn it upside down and shake everything out, that would be your personal property. Personal property is covered by your home insurance based on either actual cash value or replacement cost based on your insurance policy. We recommend replacement cost to our clients.Does Homeowners Insurance Protect Against Weather and Natural Disasters?Yes, homeowners insurance does protect against natural disasters. Unforeseen damages caused by wind, hail, fire, and earthquake are all included as part of your home insurance policy.Is Fire Insurance Automatically Included?Yes, when you insure with Preferred Insurance Agency fire is included in your home insurance coverage.from https://www.preferredlax.com/article/finding-the-best-homeowners-insurance-in-la-crosse-wi
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Homeowners insurance is coverage you pay for to protect your home and everything you own inside of it. Here you can learn about what homeowners insurance is and what it protects.
What is Homeowners Insurance?Coverage for your home and your belongings is homeowners insurance. Homeowners insurance protects you from unfortunate incidents like theft or fire. Your home insurance policy may also include coverage for things like people being injured on your property or if you accidentally damage another person’s property as well.How Much Does Homeowners Insurance Cost?The amount you spend on homeowners insurance will depend on numerous factors like the features of your home, how much your personal belongings are worth, whether or not you select additional coverage, and the types of coverages you select. Our agents can help you determine the right coverage for your home, so you are protected, while at the same time saving money.What Exactly Does Homeowners Insurance Cover?Generally, homeowners insurance coverage will include protection for:
DwellingBasic homeowners insurance will include dwelling protection which protects the structure of your home. Dwelling protection may also include coverage for structures attached to the house like garages and decks against damage.Other StructuresMost insurance policies include coverage for what is known as “other structures” as well. This coverage would protect structures like garages not attached to the house, fencing, or sheds.Personal PropertyPersonal property protection should be included as part of your homeowners insurance policy. Personal property coverage would protect all of the personal belongings you have inside of the home. So, if all of your furniture was destroyed by fire, or if you had expensive electronics stolen from inside the home, this would be covered by your policy. You may also extend coverage to include more expensive valuables not covered by the limits of your standard policy.Liability CoverageLiability coverage is typically included in your homeowners insurance policy and will protect you from in circumstances in which someone not living at the home is injured. Imagine if you had a guest over and the railing on your deck broke, and the guest was injured, liability coverage would help to pay for legal expenses and medical bills of the injured guest if you were at fault. Discuss with your insurance agent and see what level of liability coverage is right for you.Limits and DeductiblesIt is important that when you are shopping for homeowners insurance that you understand coverage limits and deductibles. Coverage limits would be the maximum amount of money that would be paid out in case of a covered loss. Coverage limits will be based on what you need and the value of the items covered. You will want to take into account the cost related to repairing or replacing a damaged home and the personal property within it. A homeowners insurance policy may serve to protect you in the case of unexpected and unfortunate events. One of our insurance agents can discuss your options to get you the coverage you need while at the same time save you money. Contact us today to get started! Preferred Insurance Agency is a La Crosse based home insurance broker with over 100 FIVE STAR REVIEWS. Call or Contact us today and we will help demystify homeowners insurance and help you find the plan that will offer all of the protection you need in case of disaster. Preferred Insurance Agency 401 King St La Crosse, Wisconsin 54601 Phone: (608) 881-6566 Directionsfrom https://www.preferredlax.com/article/what-is-homeowners-insurance-and-what-does-it-cover Sales go up and down, but service stays forever: https://local.google.com/place?id=16341764997176587868&use=posts&lpsid=2925852990978188067 … from https://twitter.com/PreferredLAX/status/1240667311264186373 Our latest tweet on home insurance: https://twitter.com/PreferredLAX/status/12352281888481320963/9/2020 Our latest tweet on home insurance: https://twitter.com/PreferredLAX/status/1235228188848132096 … from https://twitter.com/PreferredLAX/status/1237060940945928192 Attention La Crosse residents! Is it time to re-evaluate your homeowners insurance policy?: https://www.preferredlax.com/location/la-crosse-wisconsin/homeowners-insurance/ … from https://twitter.com/PreferredLAX/status/1237060641258647552 |
ABOUT USBased in La Crosse, Wisconsin, Preferred Insurance Agency is an independent insurance agency offering auto insurance, home insurance, flood insurance, business insurance, and life insurance. We are licensed in Wisconsin, Minnesota, and Iowa. Archives
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