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AIA Insurance of Wisconsin

2149 Velp Ave #200
Green Bay, WI 54303

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Home Insurance in Wisconsin

You've probably heard insurance experts in Wisconsin say that home insurance is more than a necessity. It is a comprehensive policy that protects your property against perils, theft, or lawsuits related to damages and injuries. That's why AIA Insurance of Wisconsinrecommends understanding your home insurance needs to help get the most out of your policy. If you're the latest homeowner in Green Bay, WI, and you're looking to buy home insurance, there are several things you need to know about the policy. In this post, we will discuss a few basics.

What is Home Insurance?

Home insurance is designed to compensate you if your home is damaged or destroyed by a covered event. It also covers you in special circumstances where a person is injured on your property, or you accidentally cause property damage. The policy repairs damaged buildings or personal property. It also pays legal fees if you're sued for damage or injury to someone else.

Do I Need Home Insurance?

The Wisconsin insurance laws do not require homeowners to have home insurance, but there are instances where you will be required to have home insurance. For example, if you bought your home through a mortgage, your lender would probably ask you to carry a home insurance policy to protect the investment. Even if you don't have a mortgage, you have every reason to protect your home and loved ones. Buying a home is a massive project, and unless you can replace it without problems if accidents like fire occur, home insurance is almost always a wise purchase.

Home Insurance Coverages

While there are other optional coverages, the standard home insurance policy generally includes seven coverages.

  • The dwelling coverage
  • Other structures
  • Personal property
  • Additional living expenses (ALE)
  • Property damage liability
  • Bodily injury liability
  • Medical payments

Are you looking to buy home insurance in Green Bay, WI? AIA Insurance of Wisconsinhas the skill, experience, and tools to help make your insurance buying process as smooth as possible. For queries, quotes, and policy discussions, feel free to call us anytime.