Click to Call
Bronson Insurance Services

2345 W Ryan Rd, Suite H
Oak Creek, WI 53154

Get Directions

Bronson Insurance Services Blog

Flood Insurance Covers Your Home Investment in Uncertain Climate Conditions

In the traumatic aftermath of a house flood, the distress of losing personal belongings and the staggering cost of repairs can be overwhelming. Fortunately, flood insurance is designed to offset a large portion of these unforeseen expenses, often saving homeowners from depleting their savings or accruing debt to restore their homes. At Bronson Insurance Services in Oak Creek, WI, we specialize in helping clients find the flood insurance coverage they need to safeguard their finances.

Increasing Instances of Sudden Flooding

In recent years, flooding has been largely confined to coastal areas or regions near inland rivers and streams. However, due to unforeseen climate changes and alterations in the landscape due to development, more areas are prone to unseasonable flooding. This has led to a rise in the appreciation of flood insurance as part of comprehensive financial planning.

Flood Insurance Offers Broad Coverage

Flood insurance policies cover damage to both your property and its contents. They include coverage for damage to electrical systems, plumbing, permanent carpets, fitted cabinets, bookcases, furnaces, water heaters, and kitchen appliances. They also cover personal items like clothing, furniture, electronics, and household appliances. The flood insurance premium is a practical investment given the cost of replacing these items.

Secure Your Home with Bronson Insurance Services

If you’re apprehensive about the flood risk in your area and its potential impact on your finances, consider securing a flood insurance policy. Contact us at Bronson Insurance Services in Oak Creek, WI, for a no-obligation flood insurance quote. Be prepared for unexpected flooding in today’s unpredictable climate conditions.

Updating Your Insurance with a New Pet

Getting a new pet can be an exciting opportunity for a family. It means adding new responsibilities to your plate, too. If you are investing in a dog or another larger animal that could cause damage to others or put you at risk for damage in your home, it may be time to speak to your insurance agent. 

Your homeowner’s insurance can help to cover damages caused by your dog or other covered pet. The key is making sure your insurance company knows that you have a pet in the home.

At Bronson Insurance Services, our team can help you update your insurance coverage to ensure your new pet has the protections necessary to eliminate or reduce your risk. If you are in Oak Creek, WI, or the surrounding area, contact our attorney to help you.

Why Update Your Home Insurance Policy

Let your insurance company know you have added a new pet to your home. You want to be sure that your policy offers enough coverage to protect you should the pet cause damage. That could include, for example, damage to the fence in your backyard or breaking an expensive vase.

In addition to this, depending on your existing policy and your needs, you may need to add more protection for injuries and other liability claims. If your new puppy jumps up on the neighbor and cuts them with their nails, it may be nothing more than an accident, but it may also be an expensive medical bill. Your insurance may cover it if you have updated them.

Set Up a Consultation with Your Insurance Company

When you get a new pet, contact our home insurance independent agent for help getting your policy updated. At Bronson Insurance Services, we serve clients throughout Oak Creek, WI, and the surrounding areas. 

As Your Fleet Grows, Transportation Insurance Plays an Important Role

As a business in Wisconsin, when you carry property or people in your company’s vehicles, you may need to determine whether it’s considered a "for hire" situation that has state and federal insurance and registration requirements. Even if you’re driving your personal vehicle, but the purpose is business, it’s important to find out when you’re crossing the line into providing service.

When Your Business is Growing, and You’re Driving

At Bronson Insurance Services, our commercial insurance offerings include commercial auto insurance, plus liability coverage, property coverage, and umbrella insurance. These help you protect yourself and your Oak Creek, WI business as you grow, from those times when you may be in a "gray area" to the point where you have a fleet of vehicles and drivers and you know that everything’s business-related.

These transportation insurance coverages protect you when you’re carrying people or property for any reason so that a casual decision to help out doesn’t put you in a difficult situation.  Unexpected problems such as theft of property or an accident that harms the passenger may put you on the spot.

From a Man with a Truck to a Motor Carrier

Businesses start and grow in different ways, so it can be difficult to establish when you officially become a professional driver offering a service. At Bronson Insurance Services, we encourage you to consider formal business operations in Oak Creek, WI, and expect to grow and get the coverage that protects you and, in many cases, is required by state law. That way, you’ll have the protection you need in case an informal arrangement becomes a legal entanglement. You’ll also be able to proudly say to potential customers that you’re officially recognized and ready to do business with them.

4 Renters Insurance Tips For First-Time Renters

If you’re renting for the first time, you should know that renters insurance is one of the most valuable insurance policies that you can get. This important insurance helps to protect your personal belongings in the event of loss or damage. Here are some essential tips for first-time renters considering renters insurance in Oak Creek, WI from Bronson Insurance Services.

Tips For First-Time Renters

1. Renters Insurance is For All Renters

You don’t have to be a seasoned renter in order to avail of this kind of insurance. Anyone can qualify, including serial renters and first-time renters. All you have to do is take out the policy and pay the premiums.

2. Understand Your Coverage

Not all renters insurance is the same. Just as you can have different kinds of other insurance policies, you can have different renters insurance policies. Talk to your insurance agent at Bronson Insurance Services serving Oak Creek, WI to learn more about your coverage.

3. You Can Choose Any Company You Want

Some landlords require tenants to carry renters insurance. Even if renters insurance is a requirement for your rental property, you aren’t required to use one company over another. The choice is yours which renters insurance company you want to use, even if your landlord doesn’t make it obvious that you have a choice.

4. Renters Insurance is for Storage Units, Too

Renters insurance isn’t only for rental properties that you live in. It’s also available for rental storage units where you keep your personal or business possessions. So whether you’re storing family heirlooms or business inventory, rental insurance can protect your assets.

Call Today To Discuss Your Options

Talk to your insurance representative at Bronson Insurance Services for help with your rental insurance policy needs. We’re here to help, no matter what kind of rental property you own

Adventure Motorcycle Insurance: Safeguarding Off-Road Expeditions

Owning an adventure motorcycle like a dirtbike in the Oak Creek, WI area opens up a world of possibilities for off-road enthusiasts, allowing them to explore rugged terrain and embark on thrilling expeditions. However, the unique challenges and risks associated with off-road riding necessitate specialized insurance coverage to safeguard the rider and the motorcycle. 

Coverage for Off-Road Damage

Adventure motorcycles are built for rugged conditions, but they are not invincible. Coverage considerations include:

  • Collision Coverage: Protects the motorcycle in a collision with obstacles or other off-road hazards.
  • Comprehensive Coverage: Addresses non-collision events such as theft, vandalism, or damage from natural elements.
  • Accessory Coverage: Includes protection for aftermarket accessories and modifications, ensuring that customized features are covered in the event of a covered loss.

Emergency Assistance and Towing Coverage

Off-road adventures may lead riders to remote locations where assistance can be challenging to access. Insurance coverage that includes emergency assistance and towing is crucial for:

  • Emergency Medical Expenses: Covers medical expenses in the event of injuries sustained during off-road riding.
  • Towing and Recovery: Assists if the motorcycle becomes stuck or disabled in a remote location.

Liability Coverage for Off-Road Riding

Liability coverage remains a fundamental aspect of adventure motorcycle insurance, offering financial protection if the rider is held responsible for injuries or property damage to others while off-road.

Navigating Premium Factors for Off-Road Riding

Several factors influence adventure motorcycle insurance premiums, including:

  • Riding Experience: More experienced riders may benefit from lower premiums.
  • Type of Motorcycle: The motorcycle’s make, model, and age contribute to premium calculations.
  • Safety Measures: Installing safety features and completing off-road riding courses may offer exceptional discounts.

Bronson Insurance Services Can Help You

At Bronson Insurance Services, we can help answer questions concerning motorcycle insurance. We serve the Oak Creek, WI area. Contact us today. 

Is Boat Insurance Required in Wisconsin?

If you are a Wisconsin boat owner, our agents at Bronson Insurance Services serving the Oak Creek, WI area want you to know that while boat insurance is not required under Wisconsin law, some marinas may require it for you to be able to dock your boat. Also, if you owe money for the purchase of your boat, your lender may require you to have a boat insurance policy in place.

What Does Boat Insurance Cover?

When you are out on the lake, ocean, sea, river, or pond with your beloved boat, you never know when an accident may happen. For instance, you could crash into another boat or even damage your boat by hitting a dock or other object. If this type of event happens, you will want to ensure that you have the proper amount of boat insurance to cover the damages and any injuries that your passengers or others sustain.

Collision Insurance

Collision insurance is imperative to have on your boat since it will help you cover the costs of damages that can happen if you collide with another boat or object.

Comprehensive Insurance

This type of insurance is very important since it will protect your boat, even when you are not using it. For example, if there is a fire and it damages or destroys your boat, comprehensive boat insurance coverage will help you pay to get your boat repaired, or it will help you replace it. The same goes for your boat if it is damaged by a natural disaster or vandalism. This type of boat insurance can also help you out if your boat is stolen.

Consult With Us

Since you never know when a disaster will occur, it is a good idea to have a boat insurance policy in place. Contact our agents at Bronson Insurance Services serving the Oak Creek, WI area to get your boat insurance policy started and enjoy the peace of mind that comes with it.

Do all people need to get an umbrella insurance plan?

For those who are in the Oak Creek, WI area, ensuring that you are appropriately insured is very important. Most people in this area will know about the need to have home and auto insurance, but another type of coverage to consider getting is umbrella insurance, which offers helpful personal liability coverage. There are a lot of reasons why people who are in this part of Wisconsin will need to carry a full umbrella plan. 

Be Covered for More Situations

A great reason to have umbrella coverage here is so you can have protection for more situations. There are always a lot of situations in which you could be held liable for losses incurred by someone else. Many of these are covered by home or auto coverage, but not all. If you have a proper umbrella insurance plan, you will get the coverage necessary to protect against a wider range of risks.

Maximize Coverage

It is also a good idea to have umbrella support to maximize your liability coverage. A full umbrella plan is good to have as it will give liability support on top of your other policies. If you do have a full plan, it will provide support in the event there is an accident that exhausts coverage set by your auto or home insurance policies. 

Reach Out To Us

Those who are in the Oak Creek, WI area will always want to know that they are properly insured. A great way to do this is by getting an umbrella insurance plan, which offers very supportive personal liability coverage. A great way you can get this coverage is by calling our team with Bronson Insurance Services. Our team of professionals at Bronson Insurance Services will offer the support necessary to build a new policy. 

Flood Insurance for Renters

Bronson Insurance Services wants to clear up a misconception about flood insurance for Oak Creek, WI homes. You do not have to own a home to purchase flood insurance. Renters can also purchase flood insurance policies.

The Same Great Coverage Homeowners Get

The NFIP does not provide separate policies for homeowners and renters. Instead, it lets the purchaser decide whether to cover the structure and contents, the structure only, or just the contents. Renters choose the contents-only option, while their landlords buy the structure policy.

A renter of an apartment, condo, home, yurt, etc. can purchase a flood policy to protect the contents of their home. The contents-only policy covers only the personal property of the renter. If the landlord also keeps items on the premises, such as furnishings, they will need to purchase contents coverage for those items.

Purchasing NFIP Coverage Locally

Both the NFIP and FEMA flood insurance websites offer a ton of information on flood insurance, but you don’t buy the policies there. Instead, you buy flood policies from local insurance agents like those at Bronson Insurance Services. These agents offer coverage through the NFIP; it meets the criteria set by FEMA and NFIP.

Contact Us Today

Don’t let the chance of flood damage impede your enjoyment of your Oak Creek, WI home, whether you own or rent it. Contact our insurance agency to obtain flood insurance designed for renters, so you can protect your personal belongings. Let us help you find the right level of coverage and explore add-ons like coverage that pays for your hotel if a flood damages the home you rent so that you can not stay there until it undergoes repairs.

Your Annual Fire Prevention Checklist

Fire departments respond to almost 350,000 home fires per year in the United States. In many cases, these fires have devastating consequences, including injury or death. You can help prevent a house fire by taking proactive measures at least once a year. 

At Bronson Insurance Services in Oak Creek, WI, we’ve developed this safety checklist to help.

Your Annual Fire Prevention Checklist

  • Conduct a home inspection. Once a year, take time to walk through your house and ensure your house number is visible from the street, all windows are open as expected, dryer vents are cleaned, escape routes are clear, and outlets and powerstrips aren’t overloaded. 
  • Change your fire alarm batteries. Change the batteries in your smoke detectors at least once a year, even if they’re hardwired.
  • Print a new monthly smoke alarm testing log. Test your smoke detectors at least once a month to ensure they work and replace any defective smoke detectors right away. 
  • Service your fire extinguishers. Once a year, a qualified professional should service your fire extinguishers to ensure they’re still in good working order. Replace any extinguishers that are 12 years old or older or that your service technician has recommended replacing. 
  • Review your escape plan with your family. Many families implement an escape plan when they first move into a house and then file it away. When faced with a house fire, it can be challenging to remember the routes and meeting places you agreed upon when you drafted your escape plan. Review once a year to 1) keep your plan on top of your mind and 2) make any changes needed as the property or family evolve. 

Reach Out To Us

To learn more about protecting your home and family from fire and other natural disasters, connect with us at Bronson Insurance Services in Oak Creek, WI today.

Securing Transportation Insurance For Your Vehicles

Having a vehicle gives you access to the open road in Oak Creek, WI. For many businesses, vehicles are an important factor in getting work done. For those using vehicles in their daily job, getting transportation insurance can help save money. Fortunately, Bronson Insurance Services can be of help in these situations.

Why Transportation Insurance

Protects your cargo

The biggest use of transportation in businesses is delivering and receiving cargo. Unfortunately, not every trip will go smoothly. There have been instances where cargo can get stolen or destroyed en route to its final destination. With transportation insurance, you can protect yourself if a terrible situation like this occurs during a routine trip.

Protects damaged items during moving

If you’re a mover, you know the importance of carefully transporting personal items to a new home. Many people choose to hire movers instead of doing it themselves to decrease the pressure of moving out. With the right transportation insurance, you can protect yourself and the customer from any damage done to their personal items or even theft.

Protection from missing deadlines

When it comes to delivering important cargo, many companies have a set deadline to deliver their goods. If their products aren’t delivered by a certain time, drivers can face serious fines and can potentially lose future work with that client. Transportation insurance helps those who accidentally ship important items at a later time.

We Are Here To Help

If you’re looking for more help with transportation insurance in the Oak Creek, WI metroplex, Bronson Insurance Services can aid you in your quest. Contact us for more information today, and we’ll get in touch with you about protecting your vehicles. 

Servicing States

  • Wisconsin
  • Illinois


Google Reviews
  • Attune
  • Builders Trades
  • ClearCover
  • Cowbell
  • Dairyland
  • Erie Insurance
  • Foremost
  • Founders
  • lemonade
  • Main Street
  • National General
  • Allstate
  • Progressive
  • The General