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Fond du Lac Home Insurance Questions 6/2/2014

This post is about the different Fond du Lac home insurance questions that Behnke Insurance’s professional agents answered recently.

Question 1: Can I change my home deductible?

Answer: Yes. When you raise your deductible, your home insurance price goes down. When you lower your deductible, your home insurance price goes up. Some people prefer a $500 deductible, the $1,000 deductible is probably our most popular choice, some people are very happy with a $2,500 deductible. There are many options, call our Fond du Lac insurance office today.

Question 2: I close on a house purchase in 20 days, what can I expect? What do I do?

Answer: Congratulations! Buying a house is a big deal and it’s likely the largest investment you’ll make in your life. Your mortgage will require you have home insurance all set for the close date. Call Behnke Insurance, let us know the date and home information, our professional agents will find the best value of coverage for you and coordinate the coverage with your loan officer. The week of the close, you need to stop in the office, sign the application and deliver payment. Some banks make the year 1 insurance payment, some banks require you to. The sooner you call, the easier we can help you. However, even if you only have 24 hours to find coverage, no worries because Behnke Insurance can make it happen.

Fond du Lac Insurance Questions 5/30/2014

Behnke Insurance StaffThis post is about the different Fond du Lac insurance questions that Behnke Insurance’s professional agents answered this week.

Question 1: Jack is living with Jill, but they are not married. Jill has Eve, a daughter from a prior relationship. Eve just turned 16 so Jill adds her to her car insurance policy. Jack has his own separate insurance and suddenly his company also adds Eve to his policy. How and why would they do that?

Answer: Insurance companies want all household members listed on your policy. They pay to have access to consumer reports that list drivers by registered address. If they do a review and find additional drivers at your address, they may just add them to your policy. Call your Behnke Insurance agent to see if you can remove them from your policy. Some (not all) companies give you that option.

Question 2: Car titles and insurance: what’s the big deal?

Answer: You drive your car in the country and hit a deer. You’re relieved that you have a $250 deductible because the car is totaled. The insurance company checks your policy, sees your name on it, and approaches you with a check. They say “You can have this check for your property as soon as I see the car title is in your name.

You can only insure property you own. Call a Behnke Insurance agent for details.

Question 3: How does divorce and insurance work together?

Answer: Wisconsin is a marital property state. When you get married, you share property ownership. You do not separate that ownership until the divorce is final.

An example shows why this matters: Jack and Jill are getting a divorce in 30 days. Jack calls his insurance agent and asks for Jill’s car to be taken off his policy (since they’re not living together). Jill buys her own policy. Jill causes a 3 car accident. A lawsuit targets the owners of that car, BOTH Jack and Jill (remember, the divorce is not final). Jill is protected by her insurance. Jack is not protected by any insurance. WHAT SHOULD HAPPEN: Jack and Jill inform their agent of the pending divorce. The agent keeps both people insured on the same policy for both their cars until the divorce is final, then issues two sets of policies.

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Fond du Lac Car Insurance – Teenage Driver Safety Campaign

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Do you have teen drivers? Consider sharing this story with them.

In 2012, 9 teen girls drove in a truck together when they had a bad accident. 3 girls die that night. They were from Campbellsport near Fond du Lac.

Please don’t speed, do wear your seatbelt and be smart on the road. Accidents happen and Behnke Insurance will be here to help.

Please share with any parents of teen drivers.

Call Behnke Insurance for Fond du Lac car insurance information, we’d love to help. Insurance protects you and your family in the event of a catastrophe. Car insurance and home insurance are the most popular policies, but life insurance is very important and affordable as well. When really bad things happen, we want to help.

Car Insurance and Auto Insurance in Waupun WI, Ripon WI, Plymouth WI

The cheapest car insurance does not come cheap: see what it really costs you

As most of us know, finding a car insurance that fits all your needs and is also affordable can be very difficult nowadays. By reading this article, you will find different tips that will help you find the best insurance policy for you at a reasonable price, even if you live in areas such as Fond du Lac, Ripon, Waupn, Oshkosh, and Plymouth.

          1.  Finding cheap car insurance costs you time

            First of all, when you want to ensure your car, you should study the market. This can be easily done by using the internet to help you. Nowadays you can find applications that help you compare the insurance packages you think are suitable for your needs.

          2.  Cheap car insurance requires car shelter

Owning a garage can play an important part when you want to sign an auto insurance policy. This happens as a consequence of the fact that if you keep your car in a garage, it reduces the risk of theft or vandalism, and most of the insurance companies out there offer great discounts for those who store their vehicle in a garage.

          3.  Cheap car insurance requires a black box

You should also install a black box on your vehicle. This device will record any relevant data about your driving style such as speed and driving hours. This can come in hand for youngsters who have to pay large sums of money for an insurance policy, by making it possible for them to show that they are good drivers, even if they do not have lots of experience.

At last, in order to reduce the price of your auto insurance, you should include only regular drivers on the policy, because this can greatly influence its price, and because you can add someone for a few days, if it is necessary for them to use the car.

Home Insurance and Homeowners Insurance in Ripon, Plymouth WI

Home insurance that is right for your situation

 

You know you need home insurance so the real question is which homeowner’s policy will best match your needs and circumstances. If you own property in Fond Du Lac, Ripon, Waupn, Oshkosh or Plymouth you can consult with Behnke Insurance for professional advice regarding your homeowners insurance.

 

There are many terms and condition involved in home insurance and seeking sound and professional advice is the smart thing to do. For example, do you need flood insurance?  Do you need windstorm insurance?  Certain acts of nature such as floods, tornados, windstorms and earthquakes will not be part of normal homeowner’s insurance policy. Then there is the question of liability. What happens in the event of a domestic accident that results in injury to a third person?

 

Your home insurance will cover your buildings, structures and fittings. But what about the replacement cost? Building costs rise annually and you need to be sure your homeowners insurance is current and in line with your present situation. There is also the possibility that you have or plan to do home renovations. You need to be sure these improvements are reflected in your homeowner’s policy.

 

You also have valuable possessions in your home. These are usually covered but there are limits and certain items such as jewelry, art and collections need to be specified separately. You need to consider many things such as umbrella insurance, comprehensive insurance, liability risks, acts of nature and so on. House break ins and theft are also real risks. Home safety features such as alarms and remote surveillance can reduce your insurance premiums and also add an important layer of safety.

 

So whether you own a free standing home, an apartment or a condo, you need to have the right home insurance to protect your financial interests and investment. The best way to be sure about this is to discuss your insurance requirements with a reputed local agent who will look after your interests.

 

Car Insurance and Auto Insurance for Plymouth, Waupun, and Ripon

Auto and car insurance that is reliable and affordable

 

As vehicle owners we know we need auto insurance but we don’t understand all the finer details and specifics involved. Car insurance can be very confusing for the average person. There is no shortage of companies and agencies offering auto insurance and all the choices, options, conditions and fine print can be rather bewildering. Still all we really want is affordable and reliable auto insurance that will protect our financial interests when things go wrong. The best way to simplify things and get affordable and reliable car insurance is to deal with a trusted and independent local agent.

 

Behnke is a trusted local agent providing insurance solutions to the communities of Fond Du Lac, Ripon, Waupun, Oshkosh and Plymouth. Why struggle an waste your time trying to figure out the best car insurance for your needs when an independent agent has all the knowledge, resources and experience to do it for you? Auto insurance is not a light matter and you don’t want to get it wrong. An independent agent will ensure you get the right car insurance to match your situation. You will also get affordable car insurance that does not cost you more than is necessary.

 

You want to be sure you are covered for collision damages asd well as consequential costs such as medical costs, liability claims, emergency services, road side assistance, alternative transport and so on. You also want to be sure you are covered if another authorised person drives your vehicle. If you own more than one vehicle you will want to consider insurance on those vehicles as well.

 

Whether you own a family car, a motorcycle, a boat, a trailer, an off-road ATV or some other vehicle, you need the kind of insurance that protects your realistic risks at a price that makes sense.

5 Tips For Home Insurance Savings

  1. Save by displaying “Pride of Ownership”. Most companies have a preferred home program where, if you meet the higher standards, you pay less for insurance. If the company sees that you care about your home, it can pay off.
  2. Fire Extinguisher + Smoke Alarm + Deadbolts = Savings. Many companies have a discount for homes with protective devices installed. Get extra savings if you have a burglar alarm.
  3. How old is your roof? Let your agent know if you install new shingles, the savings can be substantial.
  4. No mortgage or line of credit? Let us know, studies find that debt free homeowners are more attractive to insure, so prices can go down.
  5. Have your auto insurance and home insurance with the same company. This is the single biggest money saver we’ve seen. Think about getting the lowest “total insurance cost” by bringing all your policies under one company’s protection.

**Contact a Behnke Insurance Agent for details**

5 Tips for Auto Insurance Savings

5 Tips for auto insurance savings

  1. If your insurance can provide roadside service, consider cancelling your AAA roadside service. Don’t pay for something twice unless it adds value to your life.
  2. Make sure your comprehensive/collision deductibles are right for you. A $1,000 deductible may lower your insurance cost, but in the event of accident, can you pay $1,000 to get your car repaired? If not, it can save you money over the long run to lower that deductible.
  3. Ask your agent if all the available discounts are turned on. Often there is a homeowners discount available on auto policies. The same goes for a low mileage discount.
  4. Ask your agent if there’s a better insurance company for you. We at Behnke Insurance partner with many companies. Some are great matches for younger drivers, some are better matches for more mature drivers. We can do the homework for you.
  5. Thinking of buying car A or car B? Ask your agent which costs less to insure, it takes us 5 minutes to get you that info.

**Contact a Behnke Insurance Agent for details**

Auto Insurance and Car Insurance in Oshkosh and Waupun

Auto and car insurance from a reliable and independent source

 

Having car insurance and having the right auto insurance are two different things.  Most people have some form of car insurance even if it is just enough to comply with legal requirements.  The right auto insurance is one that adequately covers you for your risk profile. You don’t want to pay for car insurance you don’t need, but at the same time you don’t want a potentially huge exposure for risks that are not covered.

 

If you reside in Fond Du Lac, Ripon, Waupun, Oshkosh or Plymouth you can consult with the insurance experts at Behnke Insurance. They will advise you regarding your auto insurance needs and ensure that you have the right vehicle and car insurance to match your circumstances and your wallet. Why would you want to try and figure out all the options and conditions yourself when you can just leave it up to the people who know?

 

There are many conditions and caveats when it comes to auto and car insurance.  For example will you be covered if your car is damaged in a storm, or if someone steals your car or part thereof?  What if you have an accident out of state or possibly out of the country? What happens if someone sues you for bodily injury or property damage sustained as a result of your possible negligence? What if you collide with an uninsured driver?  What if you were driving under the influence?  There are many more questions like these and unless you are sure you have all the right answers, you will be well advised to consult with the experts.

 

When you deal with an independent agent you can be confident they will secure the best rates and terms for you.  This way you don’t more for car insurance than you should and you can have peace of mind knowing you are properly covered in the event of a car accident or related misfortune.

Business Insurance in Waupun WI, Ripon WI, Plymouth WI

Business and commercial insurance can save you from financial disaster

As business owner or manager you have a lot on your plate and insurance worries should not be part of it. For proper business insurance in Fond Du Lac, Ripon, Waupn, Oshkosh or Plymouth you can speak to the experts at Bhenke. They take time to understand your requirements and will structure commercial insurance to match your needs.

Business insurance is a vast and complex field and there many options, exclusions, conditions and peculiarities that make it extremely difficult for a non-professional to understand and negotiate. There are some general policies that most businesses will need and there are specific policies for specific industries and business types. Business insurance for a transport business will be a lot different to commercial insurance for a manufacturing plant.

However there are common commercial policies such as general liability, workmen’s compensation, commercial auto, property insurance , business owners policy, errors and omissions, directors and officers liability, cyberspace insurance, key man policies and so on. Trying to understand all these different types of policies and conditions of cover is a near impossible task for the uninitiated.

There are also many industry specific policies such as builders bonds, professional indemnity, truckers insurance, aviation insurance, marine insurance and more. As business owner you will be well advised to consult with a specialist in the insurance field who will advise you regarding the best insurance solutions for your needs and your business. This way you will know that you have adequate cover for your risks, be it fire, theft, fraud, accidents, interruption of business or flooding.

Your business is too valuable to risk it without proper commercial insurance. Mishaps, accidents and misfortunes happen and you never know when some disaster might strike. If you don’t have proper business insurance you could be financially ruined. You don’t want that to happen. Speak to an independent agent who will not only arrange proper commercial cover, but also do so at an affordable and competitive rate.