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Bronson Insurance Services

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

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Double check your policy before heading out on your snowmobile this winter

Bronson Insurance Services is proud to serve the insurance needs of our friends and neighbors in the greater Oak Creek, WI area. We know how much fun it is to get out on a snowmobile in the winter. Be sure to give your policy a review before heading out for the season!

Check your insurance before heading out on your snowmobile

Just like you give your snowmobile a double-check before heading out for the season, so too should you look at your insurance policy. There are a lot of reasons why snowmobile insurance is so important. One of the main reasons is the coverage that it provides for collision mishaps, injuries and medical expenses, and liability.

If you plan on using your snowmobile a lot this winter, be sure that you have the coverage you need before heading out into the snow. This is also true if you transport your vehicle on a trailer and need additional coverage for when the vehicle is in transit. You will also want to ensure that you have protection in the event that an accident occurs that causes injuries. Coverage for medical expenses as well as liability protection is also very important. 

Once you’ve reviewed your policy, be sure to contact your local agent if there are any gaps in coverage or the need to increase the level of protection that the policy provides to enjoy your winter season.

Give us a call today!

Snowmobile owners and outdoor enthusiasts in the Oak Creek, WI area can turn to the team at Bronson Insurance Services for all of their specialized insurance needs. We understand the importance of protecting these vehicles, yourself, and your passengers. Call or come by our office today to learn more.

How to Make Sure Your Motorcycle is Safe Before Every Ride

You love your motorcycle. It’s your baby. You take care of it and ensure it’s pristine before every ride. But is that enough? No matter how well you take care of your bike, there’s always the potential for something to go wrong. That’s why it’s essential to do a safety check before every ride. Here’s a quick checklist from Bronson Insurance Services in Oak Creek, WI to help you make sure your motorcycle is safe before you hit the road.

What to Look for When Checking Your Motorcycle:

Lights and Signals

When performing lights and signals check on a motorcycle, check the headlight, taillight, brake light, turn alerts, and hazard lights. Ensure all the lights are working correctly and synchronized turn signals and hazard lights.

Tires

It is essential to check the tread depth and condition of the tires. It is also important to check the tires’ air pressure and ensure that the tires are inflated to the proper level.

Throttle and Clutch

When checking the throttle and clutch cables, look for fraying, kinking, or breaking. The line should be lubricated, but not excessively. In addition, make sure that the throttle moves smoothly and evenly.

Gas and Oil

Be sure to check the oil level and quality, as well as the fuel level and quality. Also, check for any leaks in the gas or oil lines.

Get Motorcycle Insurance Today

Insurance is essential to motorcycle safety because it can help cover the costs of damages and injuries incurred in an accident. It can also provide peace of mind in knowing that you and your loved ones are protected in the event of an accident. Discover more about your insurance options and contact Bronson Insurance Services in Oak Creek, WI today!

Why Boaters Should Have Boat Insurance

If you are a boater, it’s never a good idea to leave yourself and your boat vulnerable by skipping boat insurance. In Wisconsin, it isn’t required for boat owners to have boat insurance unless they have a commercial fishing boat. However, it’s always a smart choice to have boat insurance to protect yourself.

If you don’t have a boat policy, call us today at Bronson Insurance Services in Oak Creek, WI to get one of your own.

Why Boaters Should Have Boat Insurance

Liability Boat Coverage

Boat collisions happen with frequency, and they can be expensive when you are held liable for the accident. Having an accident on the water can mean that you have to pay for the damages to the other party, including medical bills that can be highly expensive. With the high cost of medical bills, it’s always a good idea to have liability coverage for your boat. Without it, you could face economic hardships as you try to pay for the bills that you owe for the damages. 

Other Boat Coverage

In addition to liability coverage, there are other types of coverage that are helpful for your protection. It’s helpful to get personal article coverage to protect your items that are lost during an accident. You may also want to get comprehensive coverage. This protects you in case of damaging incidents that happen to your boat when it isn’t on the water. There are a number of risks that exist for boats when they’re on land, and this protection can save you from highly expensive repair and replacement costs if they should happen. 

Get Coverage for Your Boat

Even when it isn’t required, it’s important to have boat insurance whenever you own a boat. It’s a good idea to have this protection at all times. Call us at Bronson Insurance Services in Oak Creek, WI.

Why You Need Umbrella Insurance

Umbrella insurance is a unique type of coverage that adds to the coverage that you have in other policies. When you have auto and home insurance, it’s possible that you don’t have enough coverage in case of a serious accident. That’s where umbrella insurance steps in and gives you the coverage you need. If you want umbrella insurance, call us at Bronson Insurance Services in Oak Creek, WI to find out more. 

Umbrella Insurance: What You Need To Know

Your Home and Auto Policies

Having home and auto insurance policies keeps you protected in many ways, but they often don’t give you as much liability protection as you need. When serious accidents happen, you can expect extremely high medical bills to become due, and your home or auto insurance may not be able to pay them all. When this happens, you will have an overage that you are responsible for paying. That’s why getting umbrella insurance is so important. It gives you more liability protection for both of those policies so that you are far better protected. 

How It Works

When you have an umbrella policy on top of your home and auto policies, the umbrella policy adds extra liability coverage so that any overages can be paid. The home or auto policy comes in first after an accident has happened. The policy will then pay for the medical bills and other costs up until the policy reaches its maximum. Then, the umbrella policy steps in and pays the rest so that the overage is covered. Umbrella policies have extremely high maximums, so it’s unlikely for any bills to be left after an umbrella policy has been paid. 

Get Your Umbrella Policy

When you want better protection against liability, it’s important to have an umbrella policy. To find out more about them, call us at Bronson Insurance Services in Oak Creek, WI.

How Do Flood Insurance Policies Vary?

Flood insurance is a coverage that we at Bronson Insurance Services offer our many Oak Creek, WI customers. However, we know that some customers may want different types of policies or coverage options. Do flood insurance policies differ significantly or are they pretty similar?

Flood Insurance is Fairly Uniform

The federal government typically demands uniform flood insurance policies between different companies to ensure that citizens receive enough protection. As a result, you don’t find many variations between what policies do and don’t cover, as most cover everything a flood triggers.

The prices between different providers are typically also fairly uniform and only change depending on what level of coverage you purchase. While some regions may have specific minimal flood insurance policy requirements, others may have higher requirements or none at all. As a result, it is important to do a little shopping and compare first.

Differing Coverage Options

While federal regulations keep flood insurance fairly similar between the varying providers, it is also true that they do have a few differences. Chief among these variations is the overall coverage you receive. Simply put, some policies will let you choose how much money you want to receive.

Note that paying for higher coverage will also increase your premium costs. However, if you live in a high-risk flood area, you may be required by law to hold one of these higher-premium policies. Thankfully, relief programs may provide you with some compensation for these policy costs.

Give Us A Call

As you can see, flood insurance policies are typically fairly uniform and don’t vary a lot between insurance companies. That’s because they’re federally regulated in ways that others are not. If you’re curious about your options for Oak Creek, WI, call us at Bronson Insurance Services today.

What to Look for in a Good Condo Insurance Policy

When it comes to protecting your condo, proper insurance is a must. But with so many different policies on the market, how do you know which one is right for you? Bronson Insurance Services in Oak Creek, WI offers this guide on what to keep in mind when shopping for condo insurance. 

What to Look for in a Good Condo Insurance Policy

1. Coverage Limits

The first thing you’ll want to consider when shopping for condo insurance is the coverage limits. You’ll want to make sure that your policy covers the full value of your personal belongings and any improvements or upgrades you’ve made to your unit. If you have valuable items, such as jewelry or art, you may need to purchase additional coverage to protect them.

2. Deductibles

Your deductible is the amount you’ll have to pay out-of-pocket before your insurance policy kicks in. When shopping for condo insurance, you’ll want to consider how much you’re comfortable paying out-of-pocket in the event of a claim. Remember while higher deductibles could mean you pay lower premiums, it also means more financial risk if you have to file a claim.

3. Policy Exclusions

It’s important to be aware of what your condo insurance policy does and does not cover. Most policies exclude damage caused by flooding, earthquakes, and other natural disasters. So, it’s important to read the fine print and make sure you’re aware of any exclusions before you purchase a policy.

4. Guest Medical Protection

If you have guests over, you’ll want to make sure they’re protected in case of an accident. Guest medical protection will cover the medical expenses of anyone who is injured while on your property. This is important to consider if you entertain often or have young children who have friends over frequently.

5. Optional Coverages

There are a number of optional coverages available with condo insurance, such as loss of use coverage, which pays for your living expenses if you’re unable to live in your unit due to a covered disaster. You’ll also want to consider whether you need personal liability insurance to protect yourself from lawsuits if someone is injured while visiting your home.

Get Condo Insurance in Oak Creek, WI

When shopping for condo insurance, it’s important to consider your coverage needs and choose a policy that provides the right amount of protection. Bronson Insurance Services offers a variety of condo insurance policies to meet your needs. Contact us today to get a quote.

 

How much life insurance do I need?

Think of life insurance as a safety blanket for your loved ones to replace your lost income should you pass away prematurely. Bronson Insurance Services in Oak Creek, WI can assist you with any questions you may have.

How much life insurance do I need?

When it comes to determining how much life insurance to purchase, there are two methods to follow.

The first, is to simply take your income and replace it by the number of years that you wish to replace it for – usually 10 to 30. Whatever figure you land on is how much life insurance to purchase. While this method is fast, it can be easy to purchase too little life insurance, so you should estimate higher than you think.

The second method, known as DIME, is calculated via the following:

  • Debts: Add any outstanding debts, not including your mortgage, which is highlighted below, such as student loans and credit cards. These are debts that your family is likely to be responsible for when you pass away.
  • Income: Take your current income and multiply it by the number of years that your family will depend on it.
  • Mortgage: Add the information from Debts and Income with the remaining balance on your mortgage.
  • Education: If you are paying for your children’s education or someone else’s, add the anticipated cost to the figures above.

Once you’ve arrived at your DIME figure, you’ll find the sweet spot for how much life insurance to buy. Unlike the income rule, the DIME method is far more comprehensive and likely to result in a more accurate number. 

For more information on life insurance and help with finding the right policy for your needs, give Bronson Insurance Services in Oak Creek, WI a call.

We’ll schedule a no-obligation consultation to review your options and answer any questions that you have. 

Wisconsin auto insurance regulations that you need to know about

Bronson Insurance Services is proud to serve all of the insurance needs of the larger Oak Creek, WI community. If you have any questions about the insurance regulations affecting our state, give us a call today.

Staying on top of WI auto insurance regulations

When it comes to regulations, the insurance industry is one of the most affected. In fact, it can be difficult for WI citizens to stay on top of what is going on! Here are a few things to remember when it comes to WI auto insurance regulations:

  • Our state legislature will need to vote to approve any changes to the current regulations that are in force. Additionally, there is usually a lot of discussion about any such proposed changes well before they reach the state government.
  • Between the passing of any new insurance regulations, there is a period of time before the changes are implemented. This means that when new changes are voted into the state mandate, or changes are made to current regulations, there is a sizable length of time before these changes are enacted.
  • Working with a local agent can help you stay on top of any and all changes that can affect your insurance needs. We recommend working with someone who takes the time to review your current policies on a regular basis. This way, they can help you to determine if any changes may need to be made. 

We are here to help you!

Oak Creek, WI residents can count on the team here at Bronson Insurance Services for all of their insurance needs. We are also here to answer any questions that you may have or address any concerns. Give our office a call today and schedule an appointment to learn more.

Why Commercial Insurance is a Must

If you are the owner of a business, then it’s likely that you have poured your blood, sweat, tears and money into ensuring success. Consequently, having the right commercial insurance is of paramount importance because it can be the difference between salvaging your business during a disaster and losing it all.

Specific to Wisconsin, businesses are required to carry two types of insurance – workers’ compensation and commercial auto insurance. Bear in mind that just because these are the only two insurances required does not mean that you shouldn’t consider supplementing your policy with additional coverage.

For starters, workers’ compensation insurance is required for any business that employs three or more people – regardless of whether they are full or part-time. Workers’ compensation insurance is a policy that pays for medical bills that are the direct result of workplace injuries and illnesses. Additionally, the liability insurance included within this policy helps protect the business if an employee sues because of the injury. Next, commercial auto insurance is required on any business-owned vehicles in Wisconsin with the following minimum requirements for auto liability coverage:

  • $25,000 Bodily Injury Liability Per Person
  • $25,000 Bodily Injury Liability Per Accident
  • $10,000 Property Damage Liability
  • $25,000 Uninsured Motorist Coverage Per Person
  • $50,000 Uninsured Motorist Coverage Per Person

In addition to these required coverages, Wisconsin businesses may want to consider additional protection offered through policies like cyber liability coverage, professional services coverage, and general liability insurance.

At Bronson Insurance Services in Oak Creek, WI our friendly and knowledgeable team of insurance professionals can help answer your commercial insurance questions. Give us a call or stop by our office to learn more today. 

Does Home Insurance Cover Working From Home

Bronson Insurance Services assists the Oak Creek, WI community. We recognize that a disaster may occur at any time. That’s why we are committed to helping our clients find the coverage they need to protect their assets. We offer multiple types of coverage so that our clients are protected in any situation. We look forward to helping you cover what’s most important.

Does Home Insurance Cover Working From Home

Your Oak Creek, WI home is one of your most prized possessions. Home insurance helps you protect your asset. Your personal items inside the home are covered if something happens to them. The structure of your home is covered against potential damages. This helps alleviate stress if an accidental fire starts in your home or a tornado moves into the area and causes damage. Liability coverage is also an important part of your policy. You are covered if you invite a guest over, and they suffer an injury on your property. Liability coverage also protects your pets if they cause accidental damage to your neighbor’s home.

Working from home continues to grow in popularity. If you are currently working from home, home insurance doesn’t automatically cover your business. You’ll have to amend your policy to cover both your business and any necessary equipment. Amending your policy to add extra property coverage protects you if any of your work-related equipment is damaged or stolen. You are also covered if something happens to your home office. You should add extra liability coverage because working from home does carry some risks.

Bronson Insurance Services Will Help You Protect Your Assets

Visit our website to learn more information about home insurance.

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