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

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.

Cheapest Car & Auto Insurance in Plymouth, Ripon, Waupun

Many factors that influence the cost of your auto and car insurance

The best and most effective way to find the cheapest car insurance for your situation is to work with a local and independent agent in your area. Such an agent has access to a wide range of insurance options and plans from leading carriers across the country. Behnke is an insurance agent serving the communities of Fond Du Lac, Ripon, Waupn, Oshkosh and Plymouth.  If you want the cheapest possible auto insurance you should consult with an independent agent and provide all important and relevant information that can positively affect your risk profile and reduce the amount of your premiums.

Insurance carriers take into account a variety of factors when they determine their risk. A lower perceived risk could well translate into lower auto insurance premiums.  For example a standard sedan will attract lower insurance premiums than a flashy and racy sports car. Other factors include your age, gender, location, driving history, credit history, claims record and so forth.

However there are 4 critical factors that insurance carriers consider when determining the cost of your auto insurance.

Coverage and deductibles

 If you go for higher deductibles you will qualify for lower monthly payments and vice versa. In same manner it follows that the higher your coverage the higher your monthly premiums will be. Lower coverage will secure lower monthly payments.

Your vehicle safety factor

 Some vehicles are considered safer than others. Certain carriers will charge higher premiums for vehicles that are more susceptible to damage or theft.  If you drive a vehicle that is considered safer than the norm and also is equipped with anti-theft devices, you will qualify for lower premiums.

Your driving habits

These include how often your drive, how far you drive, what your past records indicate. If you drive regularly or often drive long distances you can expect to pay more. If you have a record of one or more accidents you will pay more.

Personal factors

These include age, gender, location and marital status.  For example, if you live in an area that is perceived to be safer than some other area, you will pay less.

Conclusion

Your insurance agent will check all these details and correlate them against various insurance plans in order to secure the cheapest possible car insurance for your situation.

Fond du Lac Car Insurance – Uninsured Drivers?

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

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.

Auto Insurance: Ripon, Plymouth, Waupun, WI

Does your auto insurance package cover these…?

Everyone knows that nowadays having a auto insurance can be very helpful, in case of any unfortunate event such as a car accident. Even though these insurance packages seem to be very expensive, because of the increase in the number of companies that offer such service, they are now affordable for almost everyone. Another consequence of the increase in their number is that now you can get ensured in almost any country of the world, including areas such as Fond Du Lac, Ripon, Waupn, Oshkosh, and Plymouth.
Car insurance is so important that in many countries over the world, it has become mandatory by law. There are lots of insurance policies that cover almost everything, and when you want to sign one you should be very careful.

Some of the insurance policies that all of us should include in their insurance package are:
• Liability and property damage coverage, since it protects us from the unexpected costs that can occur after a car accident if we are to blame such as hospital bills and car repair costs, for the person that we accidentally hit.
• Collision coverage, because it covers the costs of repairing your car after an accident, even if you are to blame for causing it.
Some of us may consider that comprehensive coverage is also important when signing a car insurance policy. This type of policy, not only covers the costs of repairing your car in case of a collision, but also in case it gets damaged by any other factors such as wild animals, theft, vandalism, or storm damage.
If you do not know what to include in your insurance package you can always hire an insurance adviser to help you decide, and also find the best deal for your money.

Concealed Carry Criminal Defense Reimbursement Bond

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

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!

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

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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Business Insurance in Waupun, Plymouth, Ripon and Oshkosh WI

Lower your business insurance costs with these tips

Lots of people nowadays look for different ways to reduce the cost of their business insurance policies. If you find yourself in this situation, here are some useful tips that can help you do that.

First of all, you can adopt a consistent safety plan which should include the elimination of hazards that can become claims. It is also recommended that you develop a tracking system to make it easier for you to follow the safety plan and maintain it. This way, you will be able to show your insurer that your employees are properly instructed, and it also reduces the risk of injury.

Another way to reduce the price of business insurance is by constantly checking to see whether an employee that appears on your policy is still working for your company. This can result in significant saving if the loss of an employee lowers the risk.

In addition, you can hire an insurance adviser to make a proper assessment of your company, and also discuss with your insurance company about all the aspects of your policy. Even though at first this may seem to be an extra cost, in time most of the entrepreneurs who contacted the services of such a person recovered their money through the lower price they had to pay for their insurance policy. They are also available in most of the countries, even in areas such as Fond du Lac, Ripon, Wwaupn, Oshkosh, and Plymouth.

Furthermore, you should include a training program that all of your employees should take. Lots of insurance companies offer great price discounts for businesses that have their employees trained, because by doing this they will learn how to protect themselves and also how to be more efficient at their workplace.