Empowering consumers to compare and save with a regional team that understands deer collisions, hail, freeze–thaw, and flood exposures. Local guidance from Waukesha to Milwaukee, Madison, Chicago, Naperville and beyond.
Detailed coverage options designed for our region’s homes, weather, and building codes.
Protects the structure of your home against covered perils. We calculate rebuild costs using local construction data, not market value. Older Milwaukee and Chicago bungalows often require careful valuation.
Covers detached garages, sheds, fences, and more—common across WI & IL properties.
Protects your belongings from theft or damage. Replacement cost coverage avoids depreciation shocks.
Hotel/meal expenses when your home is uninhabitable after a covered loss—vital in winter peaks.
Coverage if someone is injured on your property; higher limits recommended for pools/trampolines.
Guest medical expenses, regardless of fault—typically $1,000–$5,000.
See also: flood insurance and weather risks shaping basements and roofing decisions in WI & IL.
Basement protection for sewer/drain backups and sump failures—critical in older neighborhoods.
Underground water/sewer/electric lines from home to street—freeze–thaw and tree roots are common culprits.
Brings damaged structures up to current code after a covered loss—key for historic districts.
HVAC, water heater, and appliance breakdowns—useful given winter strain.
Higher limits & broader coverage for jewelry, art, instruments, and collectibles.
Helps with recovery services, legal fees, lost wages, and monitoring.
Coordinates with the association’s master policy to eliminate gaps—vital for high-rises and mixed-use buildings.
Protects personal property + liability; often required by landlords.
Dwelling, liability, and rental income coverage for single-family or multi-unit properties.
Coverage for homes between tenants or during renovations—standard policies may limit/deny.
Coverages tuned to deer collisions, hail, city traffic, and winter roads.
Both WI and IL require 25/50 minimums; we often recommend 100/300 or higher.
WI minimum $10,000; IL minimum $20,000—we commonly recommend $50,000–$100,000.
Protects you from drivers with no/insufficient insurance—match your liability where possible.
Theft, vandalism, fire, falling objects, animals; critical for deer and hail claims.
Repairs your vehicle after an at‑fault crash; choose deductibles that fit your budget.
Medical costs regardless of fault; some policies add wage/essential‑services coverage.
Keeps you mobile while your vehicle is in the shop after a covered claim.
Tows, jump‑starts, tire changes, lockouts—handy in winter.
Bridges the loan/lease balance vs. ACV gap after a total loss.
Home policies exclude flood. We help with NFIP and private flood options.
Mississippi, Wisconsin, Fox (WI) and Illinois, Des Plaines, Chicago (IL) rivers during heavy rains/snowmelt.
Storm drains overwhelmed in older neighborhoods; water backup coverage is essential.
Intense bursts near creeks/low areas not mapped as high‑risk.
Frozen ground + rapid melt = surface runoff into basements.
Up to $250k dwelling / $100k contents; typical 30‑day wait.
Higher limits, added options, potentially shorter waits for lower‑risk zones.
What to expect—and how to prepare—across Wisconsin & Illinois.
Ice dams, frozen pipes, snow load. Confirm coverage and preventative steps.
Review roof age/material and wind/hail deductibles.
Peak in June–July—ensure wind coverage and deductibles align.
Basement water losses are common—add water backup coverage.
Consider separate wind/hail deductible if appropriate.
Frozen pipes, ice dams, snow load—ensure your policy addresses these.
Use local claim trends to choose smarter coverage.
Pick deductibles and consider impact‑resistant shingles and credits.
Frozen pipes to basement floods—add water backup and service line coverage.
Consider equipment breakdown; keep a photo inventory.
Check personal property limits and scheduled items.
Higher limits + umbrella for dogs, pools, guests.
Confirm coverage, know maintenance duties to avoid denials.
Comprehensive handles it; consider glass options.
Liability + collision; commuters benefit from rental reimbursement.
Hail, flood, winter—comprehensive again.
Urban exposures—ask about anti‑theft discounts.
UMPD or collision (state‑dependent) helps.
Weigh the deductible before filing small dings.
Local help for Wisconsin & Illinois.
Email: [email protected]
Address: 2246 W Bluemound Rd, B2, Waukesha, WI 53186
Hours: Mon–Fri 8:30–6:00 • Sat 9:00–1:00