Home Insurance

Home Insurance and Homeowners Insurance in Fond du Lac, Ripon, Waupun, Oshkosh, and Plymouth

Friday, July 25th, 2014

Things you can do to lower your home insurance rate

 

Are you looking for new ways to lower the price you have to pay for your home insurance? If your answer to this question is yes, then you should further read this article to find out methods that will lower the price of your insurance, no matter if you live in areas such as Fond du Lac, Ripon, Waupun, or Oshkosh, and Plymouth.

The first thing that you should do, in order to lower your home insurance cost is to verify how old the roof and the plumbing are. If these are older than 25 years, your house will be classified as a high risk residence, and the price you will have to pay for it will be extremely expensive. If this is the case, you should immediately hire a contractor, and replace or repair those items. This way, your house will not get classified as a high-risk, and therefore, you will not have to overpay for your insurance.

Installing a fire alarm, or burglar alarm is another measure that you can take when trying to reduce the costs of your insurance. This way, not only will your house be safer, but you will also get a discount which can vary between 5% and 10% from the price of your insurance.

Another factor that greatly influence your premium is the age of your home. This happens because in a new home, all the wiring, plumbing, roof, and so on are new, which means lower risks, and therefore, you can even get a discount of 30% from your initial premium if the home is recently built.

Last but not least, if you want to buy a new home, you should also pay attention to where it is located, since the neighborhood can also influence the price of your home insurance.

Homeowners Insurance in Waupun WI, Ripon WI, Plymouth WI, Oshkosh WI

Friday, July 11th, 2014

Homeowners insurance that is affordable and covers your real risks

Your home is your sanctuary and the place where you and your family should be happy and safe. Unfortunately things often go wrong and you can find yourself the victim of storm damage or some other disaster or mishap. This can disrupt your family life and also present unexpected financial consequences.  You cannot always stop or avoid a disaster but you can plan and be prepared for one. Homeowners insurance is one of the best and most affordable ways to protect your financial interests the event of some disaster or calamity.

Behnke Agency provides affordable and effective insurance to homeowners, landlords and tenants in Fond Du Lac, Ripon, Waupn, Oshkosh and Plymouth.

The right home insurance will cover your losses and help you get your life back to normal after a flood, windstorm, fire or other disaster or mishap.  Obtaining the right homeowners insurance is as important as the insurance itself.  You want to be confident that your homeowner’s policy covers your real risks and that any important exclusions are covered by a speciality policy. For example standard home insurance does not cover flood damage.

Homeowners insurance should not only cover your building and structures but also your possessions and potential liabilities. Whether you own a condo, a free standing home or an apartment, you want home insurance that is affordable, reliable and that matches your risk profile. The best way to be sure you have cost effective homeowner’s insurance that addresses your real risks is to deal with an independent agent. Such an agent has access to a number of top carriers and can select the right insurance plans for you.

You want to deal with an agent that takes the time to understand your unique requirements and then obtains the right insurance at the right price.

Fond du Lac Car Insurance – Uninsured Drivers?

Wednesday, July 2nd, 2014

Car Accident

On this week’s Fond du Lac Car Insurance Q&A, we’ll be addressing what happens when an uninsured driver hits your car.

WISCONSIN: AN AT-FAULT STATE

In Wisconsin, when two cars have an accident together, the police will determine one of the parties to be at-fault. The at-fault party will be responsible for all damages, both bodily and property. This is really where insurance steps in and pays the bills for the driver. The driver will then have a tarnished insurance record, which will affect monthly premiums.

AN UNINSURED DRIVER RAN A RED LIGHT. NOW WHAT?

Now you have $5,000 damages to your car, medical bills totaling $20,000 and lost wages totaling $900.

  1. Your Uninsured Motorist Coverage acts in place of the other party’s insurance for bodily damages, up to  your limit.
  2. Your Collision Deductible will be what you pay to get your car repaired.
  3. You can then sue the uninsured driver to get your collision deductible back.

BAD WAY – You sue the uninsured driver for $25,900 and, if  you win, try to collect this money from them. Generally, uninsured drivers don’t have the assets for a large payout and actually collecting can be a challenge.

GOOD WAY – You have good car insurance and sue the uninsured driver for your $500 collision deductible. Collecting $500 is much easier than collecting $25,900.

**Call Behnke Insurance Agency in Fond du Lac, WI at 920-922-3850 for details**

Homeowners Insurance: Waupun, Oshkosh & Plymouth, WI

Friday, June 27th, 2014

What is usually covered by homeowners insurance packages

As a consequence of all the advances made in technology, the climate changes, and the political issues that are happening nowadays, people tend to ensure everything they own. Maybe the most important thing that they have to ensure is their home. This is where homeowners insurance come in hand.
Home insurance packages nowadays cover damage caused by all sorts of factors. Here we can include, among many other factors, fire, hail, windstorm, lightning, theft or vandalism. Most of the insurance packages nowadays do not cover earthquake and flood damage, but you can add them to your insurance, in exchange of an extra sum of money that you will be required to pay.
The usual insurance package includes benefits like:
• Dwelling coverage, which covers the costs of repairing your house including plumbing, electrical wiring, and also heating systems. Keep in mind to buy enough coverage to pay for the damage in case of an unfortunate event that may affect your home.
• Personal property coverage. This pays for the items you have stored in the house, and got damaged, such as furniture, appliances, and even clothes.
• Other structure coverage, covers the costs of adjacent buildings that are located near the house, and can get affected by any cause, such as garages, fences, and even cottages.
• Liability insurance, helps you by paying for any lawsuit that may occur because you or other family member is responsible for injuring other people, or cause damage to their property.
If you think that this is not enough for you, you can always buy extra coverage from your insurance company to help you fulfill all your needs. There are insurance companies that offer homeowners insurance packages even on the internet, or in areas such as Fond Du Lac, Ripon, Waupn, Oshkosh, and Plymouth.

Concealed Carry Criminal Defense Reimbursement Bond

Wednesday, June 18th, 2014

Behnke Insurance StaffBehnke Insurance Agency partners with West Bend Mutual Insurance Company. West Bend offers an pertinent new product:

Concealed Carry Criminal Defense Reimbursement Bond

As a permit holder of a legally possessed weapon, the bond provides for the reasonable legal fees, expenses, and costs of defense up to the maximum bond limit chosen, after declaration from the prosecuting attorney that no criminal charges will be filed, a dismissal of all filed criminal charges, or acquittal of the “permit holder” following a trial and verdict is upheld on appeal.

“But doesn’t my homeowners insurance protect me in this case?” Your homeowners liability coverage protects you against civil lawsuits, not criminal lawsuits. This product fills the gap for a very low cost.

“Why do I need this? I have a right to carry and self defense.” You are correct, but defending that right in court can be costly, if the situation arises.

This bond helps share that cost. Below is a link to West Bend’s video explanation. Call Behnke Insurance for details, your Fond du Lac insurance professionals.

http://www.thesilverlining.com/cccdr-bond/

Fond du Lac Child Life Insurance Questions 6/10/2014

Tuesday, June 10th, 2014

life-health-img-1

This week in Fond du Lac Child Life Insurance Questions, we received several inquiries on life insurance for a child. The info below should be very helpful.

Question 1: My son just had a baby boy. I’m a grandparent! Is it a good idea to buy a policy for my grandchild?

Answer: This is a great gift. One company we partner with has a simple child policy, also known as a jumping juvenile, which increases it’s coverage when the child turns 18 and 25 years old. It’s a whole life product, which means it’s permanent insurance which will keep it’s premium cost until death. An example, a newborn policy which starts at $10,000 coverage, jumps to $15,000 at age 18, and jumps to $20,000 at age 25 costs $73/year or $6.27/month!

This is a great value. When this young man is 80 years old, his policy still costs $73/year. In comparison, an 80 year old buying a new policy would be charged over $2,600/year. The policy can be surrendered for it’s cash value any time and, should the worst case happen, it’ll help pay for funeral expenses and a legacy.

Question 2: What options are there for my newborn baby?

Option 1: Jumping juvenile policy mentioned above. Starts at $10,000 coverage and jumps to $20,000 coverage. It’s a whole life product for under $100/year.

Option 2: Single Pay Whole Life. Pay about $1,700 today and never pay again for this $20,000 coverage whole life policy.

Option 3: Everything else. There are many ways to insure newborns. Call a Behnke Insurance professional for ideas at 920-922-3850.

Question 3: How does ownership work with baby insurance policies?

Answer: You can be the policyholder. You designate the baby as the insured. You select a beneficiary. Down the line, you can transfer ownership from yourself to the baby, perhaps when he’s an adult.

Fond du Lac Home Insurance Questions 6/9/2014 – Falling Trees!

Monday, June 9th, 2014

House

This week in Fond du Lac Home Insurance Questions, the topic came up, “What happens when a tree falls over and damages my house?” This is an excellent question and a real concern for homeowners everywhere.

MATT’S TREE HITS MATT’S HOUSE

Matt pays his home deductible and insurance pays the rest of repairs. Debris removal is paid up to the limit.

MATT’S TREE HITS JOHN’S HOUSE

John pays his home deductible and insurance pays the rest of repairs. Debris removal is paid up to the limit. If John thinks Matt was negligent in his tree maintenance, John’s insurance company may sue Matt to have Matt’s insurance cover John’s deductible. To have negligence stick, you generally need to have documentation about the tree issue.

MATT’S TREE HITS MATT’S CAR

Matt pays his car comprehensive deductible and insurance pays the rest of repairs. If Matt doesn’t carry comprehensive insurance, insurance will not cover it.

MATT’S TREE HITS JOHN’S CAR

John pays his car comprehensive deductible and insurance pays the rest of repairs. If John thinks Matt was negligent in his tree maintenance, John’s insurance may sue Matt to have Matt’s insurance cover John’s deductible. To have negligence stick, you generally need to have documentation about the tree issue. Also, debris removal isn’t covered by either party’s insurance (it gets activated once the home deductible is activated, which doesn’t happen in this case).

MATT’S TREE FALLS BUT DAMAGES NOTHING

Insurance will not pay for debris removal when damage hasn’t happened to the home.

WHAT ABOUT TREES THAT LOOK LIKE THEY’RE READY TO FALL?

Insurance covers accidents that happen, not accidents that may happen. Ultimately the homeowner will save most by proactively preventing accidents. While getting stuff repaired is nice, paying your deductible and seeing your home insurance premiums rise from claim activity are not in policyholders long-term interest.

 

Policies vary by company. Call a Behnke Insurance professional agent for details!

Fond du Lac Insurance Agency also serving Ripon, Oshkosh, Waupun, Sheboygan and more

Friday, June 6th, 2014
Behnke Insurance Staff

Behnke Insurance Staff

The Behnke Insurance Agency was started and still is in Fond du lac, WI. Although primarily selling the city of Fond du Lac insurance products since 1973, we also serve plenty of personal and commercial customers in other cities. Today, just about 190 cities between Wisconsin and Minnesota have some insurance from our agency.

We’re able to do this effectively because of our skilled insurance agents and employees, our continued commitment to technology, and most importantly because our customers tell their friends about the service they receive here at Behnke Insurance.

Although we are based in a nice-sized town like Fond du Lac, our reach is really a reflection of our ability to help serve customers.

**Call Behnke Insurance Agencies today, 920-922-3850**
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Cheap car insurance vs. Valuable car insurance | Fond du Lac

Thursday, June 5th, 2014

A common request we at Behnke Insurance Agencies of Fond du Lac get is “Can you find me the cheapest car insurance?” We’re always happy to check around for our customers and prospects, asking each of our partnered companies what they can offer. However, a distinction needs to be made about “cheap car insurance”.

Here’s a good example of cheap car insurance: I keyed my information into a popular company’s online system and it recommended a policy for me. I’d save 50% on my annual insurance! But, their recommended policy eliminated or reduced all but one of the standard coverage options I had before. This is cheap insurance because it costs very little AND it doesn’t meet my needs.

A difference is valuable insurance. As your life situation changes and your nest egg grows, your protection should grow with it. Each policy is personalized to your unique needs. The most valuable part of the insurance you buy from Behnke Insurance is the agent you get to work with directly. We find the best price among quality companies we represent, ask you about your coverage needs and make recommendations based on these needs. The final option is always yours, but we have a teaching responsibility to each of our prospects and customers. Valuable insurance makes you feel better because it gives you peace of mind at a competitive price.

If you’re looking for cheap car insurance, let us know and we’ll tell you about something better: valuable car insurance.

**Stop in, email or call a Behnke Insurance agent for details**

Fond du Lac Life Insurance Questions 6/4/2014

Wednesday, June 4th, 2014

Today’s post will describe some different Fond du Lac life insurance questions we’ve received in the past week. These turned out to be some pretty common life insurance questions, so I hope this Q&A section benefits you.

Question 1: I qualified for the standard life program. Can I attempt to requalify for their preferred program, which features lower premiums?

Answer: Yes. You may submit to a reexamine upon renewal. A great reason to do this is if you recently gave up smoking and all tobacco usage. With most companies, if you are smoke free for 2 years, you can move to a much less expensive program.

Question 2: What’s a contingent beneficiary?

Answer: Your primary beneficiary is the person who receives your life insurance policy’s death benefit. Your contingent beneficiary is who receives the death benefit if both you and your primary beneficiary die from the same accident. Check with your agent and your policy for details of the timing.

Question 3: Who should have life insurance?

Answer: Anyone who wants to provide financial assistance after death. The big three reasons are: 1. to pay off loans or a mortgage if I die, 2. to support my children’s education if I die and cannot provide an income stream, 3. to pay for funeral expenses, which average $8,700 in Wisconsin. The earlier you purchase life insurance, the lower your price will be. It can save to be proactive!

Contact a professional at Behnke Insurance for inquiries in Fond du Lac, Oshkosh, Waupun, Ripon and Sheboygan area.