Bracing for Summer: How Home Insurance Covers Weather-Related Damages in Green Bay

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At AiA Insurance of Wisconsin, right here in the heart of Green Bay, we know that summer isn’t just about lazy days by the lake. It’s also about the sudden thunderstorm that turns your peaceful afternoon into a scramble for cover. But when summer weather wreaks havoc on your home, how does your home insurance step in?

Summer in Wisconsin: A Weather Roller Coaster

Summer in Wisconsin is a weather roller coaster. One moment, it’s all sunshine and clear skies; the next, you’re facing a thunderstorm that would give Thor a run for his money. These storms can leave their mark on your home, from wind-tossed branches on your roof to a flooded basement.

Home Insurance: Your Summer Weather Hero

Enter home insurance, your summer weather hero. It swoops in when a storm sends a tree crashing onto your roof, covering the cost of repairs. When lightning strikes and sparks a fire, your policy is there to help cover the cost of rebuilding. It’s your shield against the financial impact of summer storms.

Know Your Hero: Understanding Your Coverage

But every hero has its limits. While home insurance is great for things like wind and lightning damage, it might not cover flood damage. For that, you might need a separate flood insurance policy. Knowing your policy’s strengths and weaknesses before disaster strikes is key.

Bracing for Summer in Green Bay

Summer in Wisconsin is a season of contrasts, and your home insurance is your best defense against its unpredictable weather. At AiA Insurance of Wisconsin, we’re here to help Green Bay homeowners navigate their coverage options and find the right policy for their unique needs.

Discover more about home insurance at AiA Insurance of Wisconsin.

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Preparing and storing a home inventory

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Home is where the heart is and also where most of your possessions are as well. If something were to happen to your home, you could lose almost everything that you possess. That is a massive loss and trying to remember what you had prior to the loss can be a gargantuan task. At AIA Insurance of Wisconsin in Green Bay, WI, we will be there when you need to file a claim but it will help all involved if you have a home inventory. 

A home inventory is a simple thing really, it is just a listing of all your possessions. If you have never thought about the number of things that you own, this is the time. It will come as quite a shock when you realize just how much there is. Making your inventory involves listing all these things and any backup information you may have. 

It is easier if you are organized and so one room at a time. List all the items in the room, including things in drawers, cupboards, and closets. Then take pictures from a variety of angles. Be detailed in your description and include brand names and serial numbers if it applies. Receipts and sales slips are a big help and, for expensive items, an appraisal. 

Go through your entire home from top to bottom and then hit the garage and shed if necessary. Better to have more information than you need rather than too little. 

Once the inventory is complete, it needs to be stored in a safe place. Away from home is best, but in a water and fireproof container for sure. Having a copy in the cloud is an excellent option. 

Contact AIA Insurance of Wisconsin in Green Bay, WI when you are prepared to discuss your home insurance and the benefits of a home inventory. 

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Types of Life Insurance

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When people visit AIA Insurance of Wisconsin for life insurance, they’re often surprised at the diverse choices before them. While serving Green Bay, WI, we learned that few people understand the many types of life insurance when they come through our doors, so this blog provides you with advanced knowledge.

Term or Life Policy

You can customize life insurance in many ways, including whether you purchase a term policy or a whole life plan. The difference between the two types boils down to how long the policy remains in effect while you pay the premiums.

With a term policy, you purchase life insurance coverage for a specific number of years. You might purchase a ten-year term policy, which means that for the ten years the policy remained in effect, you would have coverage at the same premium cost. If you died during the decade covered by the policy, it would pay your beneficiary the policy’s benefit amount.

Choosing a whole life policy would mean that any time you died, your beneficiary would receive the benefit amount on the policy documents. This type of policy remains in effect for as long as you live.

Sub-Types of Life Insurance

Within term and whole, you also have options of the sub-type of life insurance. With a term policy, you can purchase it with or without a cash value account. The more common policies come without this account. You can choose the term you want the policy to cover – typically 10, 20, 30, or 40 years.

Whole life insurance offers far more diversity in choices. You can choose a standard whole life policy, universal life, variable life, final expense life insurance, simplified issue life, or guaranteed issue life insurance. You might not need to make this choice since your employer might offer group life insurance or you might want to add to what they offer.

Contact AIA Insurance of Wisconsin serving Green Bay, WI, to learn your choices for life insurance. Let us help you prepare your estate.

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Common Auto Insurance Policy Mistakes

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AIA Insurance Of Wisconsin helps Green Bay, WI residents find coverage. We work closely with multiple carriers throughout the state. For over 20 years, we have helped our clients find the coverage they need to protect their assets. We offer flexible policies that evolve as our client’s needs change. We will sit down with you and figure out the right insurance solution for your situation.

Common Auto Insurance Policy Mistakes

You rely on your vehicle to complete daily tasks. Auto insurance helps cover your vehicle as you travel around Green Bay WI and beyond. Collision coverage protects your vehicle if it suffers damage in a collision with another vehicle or object.  Comprehensive coverage protects your vehicle if it is stolen or damaged due to a natural disaster. Liability coverage protects you if you are held responsible for causing damage. The coverage takes care of any necessary repairs and the injured party’s medical treatment. While looking over your policy, avoid some of these common auto insurance mistakes.

Neglecting Comprehensive Coverage

Comprehensive coverage gives you a safety net in the event of a disaster. Let’s say you are traveling out of town and your vehicle collides with a deer, cracking your windshield. The damages may not be covered unless you have comprehensive insurance. Adding comprehensive just gives you added peace of mind.

Not Adapting To Upgrades

If you plan to make upgrades to your vehicle in the near future, be sure to adjust your policy. This is the only way to ensure that any new parts that are installed are covered if they are stolen or damaged. If you don’t amend your policy, you will be left unprotected if something happens to your modified vehicle, which may cause significant strain.

AIA Insurance Of Wisconsin Will Help You Protect Your Assets

Visit our website to learn more information about auto insurance.

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What Business Owners Should Know About Commercial Insurance

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Owning your own business brings with it a great sense of accomplishment but also responsibility. You have made a great investment of both time and money. You want to protect these investments. The best way to do this will be to have the proper types of insurance in place. AIA Insurance of Wisconsin, serving Green Bay, WI, can help business owners like yourself better understand the types of insurance products you need. Commercial insurance is one of the best ways to bundle together all of the different types of coverage you will need. Keep reading to learn more. 

Understanding Commercial Insurance 

Commercial insurance is actually a suite of insurance products we can provide for business owners. Commercial insurance will provide the different types of insurance products you will need to protect your business on many different levels. Your insurance policy can be customized to suit your company’s needs, but following you will find the types of main coverage provided.

  • Liability- Business owners are in a very sensitive position when it comes to liability. If a customer or employee is injured on your property or as a result of your goods and services, you could be held liable for any expenses resulting from that event. Expenses of this nature could be damaging to your company financially. Liability insurance will pay for these types of expenses. 
  • Property- Property damage coverage is essential to protect any type of property or equipment you own as part of your company. If your property or equipment is damaged or lost, this type of coverage will pay for repairs and replacement. 

If you would like to learn more about our services, please contact us at AIA Insurance of Wisconsin, serving Green Bay, WI. We will be happy to answer your questions. 

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Which Home Insurance Coverages Should Parents Focus On?

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As a parent, your children influence most of your decisions. You need to go the extra mile to make sure they’re safe and living in a great environment. That means buying insurance that focuses on their safety, such as home insurance. At AIA Insurance of Wisconsin, we advise parents to get the most comprehensive home insurance they can find. 

You can never really predict what may go wrong when your kids are at home, school, or any other place in Green Bay, WI. The good news is that home insurance comes with many primary coverages that help keep your children out of trouble or danger. You can also go for optional coverages, which vary from one insurance company to another. Let’s look at some of them.

Property Damage Liability

This coverage pays for damages that your children might cause on other people, such as breaking their windows while playing. The coverage also pays legal fees if you are sued for these damages.

Bodily Injury Liability

This liability coverage pays medical bills or legal fees if another person gets injured on your property and sues you for the injuries. It doesn’t matter whether they got injured in an accident or your children caused the injuries. 

Additional Living Expenses

Additional living expenses provide your family with a temporary living arrangement in case your home becomes inhabitable due to perils like fire. 

Personal Property Coverage

This coverage helps compensate for damaged or stolen items. It’s broader and more versatile as it can pay for your child’s laptop and other belongings when they are stolen or damaged accidentally in school and other areas.

Home insurance is a must-have for every parent in Green Bay, WI. If it’s your first time buying the policy, AIA Insurance of Wisconsin can help you through the process. Feel free to contact us for more information, queries, or new policy discussions.

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