Homeowners insurance in Sturgeon Bay and Sister Bay, WI

Home insurance that covers your real risks

There are many possible events that can result in severe property damage. If your home is damaged by a windstorm or flood, will your home insurance cover the costs? It is important to know what your homeowner’s insurance covers and what it does not. Home insurance is such an important part of your risk management and financial security that it makes sense to get the help of a professional when deciding which homeowner’s policy is right for you. Stoneman Schopf are independent insurance agents and they can help you with best value home insurance in Algoma, Door County, Egg Harbor, Fish Creek, Sister Bay and Sturgeon Bay, WI

You want affordable home insurance that will cover your real risks and that allows you to easily file claims. Of course your buildings and structures need to be insured but your home is more than foundations, walls and roof. You also have valuables inside your home and you need to be sure they are covered as well. Your standard homeowner’s insurance will cover certain valuables but not high ticket items such as collections and jewelry. You will need to cover high ticket items separately or as an add on to your home insurance.

Another very important aspect of your homeowner’s insurance policy is knowing which risks are not covered. Damage as a result of certain acts of nature such as flooding and windstorms are often excluded from standard home insurance policies. You need to find out if you require separate insurance for real risks such as flooding and windstorms.

You also need to consider what will happen if you need to make alternative living arrangements whilst your home is repaired. Does your home insurance cover you for additional or alternative living expenses?

There are many things to consider when it comes to home insurance and it is a good idea to consult with an expert so you can have peace of mind that your homeowner’s policy and add-ons cover you for your real risks.