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Bronson Insurance Services

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

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Bronson Insurance Services Blog

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. 

What Does Renter’s Insurance Cover?

At Bronson Insurance Services, we offer insurance solutions for residents of Oak Creek, WI, including renter’s insurance. A renter’s policy can help you protect your belongings and financial security. 

What is Renter’s Insurance? 

Renter’s insurance provides protection for your belongings if you are renting or leasing a home. The property owner’s policy will cover the structure itself, but it doesn’t include your possessions. 

Belongings Coverage 

This is the most common reason for choosing renter’s insurance. Even if your belongings aren’t particularly valuable, they can be expensive to replace.

What would happen if all your possessions were damaged due to a fire, flood, or vandalism? The cost of replacing items would add up quickly. 

Loss of Use Coverage 

Loss of use coverage will cover your accommodations and living expenses if you are unable to live in your home due to a covered event, including fire or water damage or vandalism. 

 You’ll receive money to cover a hotel or rental property and other expenses like food until you can move back into your home. 

Personal Liability Coverage 

If someone is injured in your home, you could be liable for medical expenses and potentially pain and suffering. If their property is damaged, you are liable for the cost to repair or replace it. 

Personal liability coverage will cover these expenses up to the coverage limit. 

Optional Coverage

In addition to standard coverage, you can also choose optional coverages. These include valuables coverage for valuable items, water backup for water damage caused by sewers, and earthquake protection. 

You can also choose extended theft protection, which covers items in your vehicle, trailer, or watercraft. 

Reach Out To Us

If you need renter’s insurance in Oak Creek, WI, contact us at Bronson Insurance Services. Our knowledgeable agents can help you determine the best policy for your needs. 

Different Types of Motorcycle Insurance

Each person operating a motorcycle in Wisconsin must possess, at a minimum, liability insurance. Motorcycle drivers also need to carry proof of coverage with them while driving. 

Bronson Insurance Services is here to assist Oak Creek, WI bikers with this important coverage. Here’s what to know about the motorcycle insurance options available for your bike.

Bodily Injury and Property Damage Liability

Bodily injury and property damage are the basic liability coverage every motorcycle driver has to have in case they cause harm to another person or their property.

The minimum liability amounts in Wisconsin are $10,000 for property damage, $25,000 for the injury or death of one person, and $50,000 for the injury or death of more than one person.

Uninsured or Underinsured Motorists

Coverage for uninsured or underinsured motorists protects against accidents with people who don’t carry insurance for themselves.

Comprehensive and Collision

Comprehensive coverage pays for repairs or a replacement for your motorcycle if it’s stolen, vandalized, or damaged. Collision coverage pays for repairs or replacement in case of damage from an accident.

Medical Payments

This coverage compensates for reasonable and necessary medical expenses resulting from an injury to you or any passengers.

Towing and Labor Coverage

This provides reimbursement for the cost of towing or other related labor if your bike breaks down or is in an accident.

Roadside Assistance and Trip Interruption

If your motorcycle is disabled, roadside assistance coverage can help get it somewhere for repairs. Trip interruption coverage covers up to a certain amount of money required for meals and hotels due to the interruption.

If you’re unsure what makes the most sense for you when creating a policy, then it’s best to consult an expert.

Reach Out To Us!

For extra help with your motorcycle coverage, contact the insurance providers at Bronson Insurance Services, servicing Oak Creek, WI.

Three things to do when you need boat insurance

Bronson Insurance Services is here to help you to get boat insurance. If you’re a boat owner in Oak Creek, WI, there are a few things you’ll need to do to get the boat insurance coverage that you need.

The following are three things to do when you need boat insurance:

Figure out what your coverage needs are.

You should consider whether you’re required to have coverage by your boat loan lender or by your marina. If so, you should know how much coverage you are required to have and which types of coverage your policy should include. 

Go online and find boat insurance providers.

The Internet is a great resource when you are shopping for any type of insurance policy. Fill out the form on our website to compare and explore boat insurance provider options.

Get policy quotes and compare them.

Once you’ve found some good insurance providers offering boat coverage in your area, you should get quotes from them. Getting quotes from different providers helps give you a good idea of what a competitively priced policy looks like in your situation.

Compare not only the costs of quotes but also the types and quality of the coverage they offer. You want to choose the boat insurance policy that offers the most value. 

Reach Out To Us

You can rely on us at Bronson Insurance Services to assist you when you’re on the market for boat insurance. Consumers in Oak Creek, WI can get in touch with us to get a quote on a boat insurance policy. 

Frequently asked questions about umbrella insurance

Umbrella insurance works differently from other types of insurance. What exactly is umbrella insurance? Bronson Insurance Services in Oak Creek, WI is happy to help you navigate this vital coverage. Here are some commonly asked questions about umbrella insurance and our answers to those questions:

What should I look for in an umbrella policy?

There are a few things you should look for in a policy. The first thing to look for is how much your umbrella policy covers. It is necessary to make sure you have enough coverage in your umbrella policy.

Before getting umbrella insurance, you must look at your home and auto insurance policies. For some people, their auto and home insurance are enough. If that is the case for you, then it might be pointless to get umbrella insurance.

What are the pros and cons of an umbrella policy?

Some pros of an umbrella policy include lots of coverage and protection from legal and financial liabilities. Some of the cons of umbrella insurance include difficulty in knowing how much coverage is needed and increased costs that might not be beneficial.

What affects an umbrella insurance policy premium?

Some factors that affect your home and auto insurance can also affect your umbrella insurance premium. These include your location, the type of car you drive, what features you have in your home, and the history of your claims.

Does an umbrella policy cover a lawsuit?

An umbrella policy covers legal fees related to the claim, such as your defense fees, court costs, and judgment costs. Umbrella insurance covers bodily injury, property damage, slander, defamation, and libel.

Reach Out To Us

If you need more information about umbrella insurance, contact us at Bronson Insurance Services in Oak Creek, WI.

Do I need flood insurance on top of my homeowner’s policy?

Home insurance typically covers certain types of water damage, but only if it’s caused by a specified peril (like a broken pipe). Floods, however, are not usually covered by standard homeowners insurance policies. That means that if you live in an area prone to flooding, you’ll need extra flood insurance coverage in order to protect your home and belongings.

Fortunately, at Bronson Insurance Services, we specialize in covering Oak Creek, WI area homes and businesses from floods and other disasters.

Why Flood Insurance?

Flood insurance can provide important protection if your home or possessions are damaged by floods. It can help pay for repairs to your home or the replacement of lost or damaged possessions. And while the cost of flood insurance depends on several factors (including where you live and how much coverage you want), it’s often more affordable than you might think.

Fortunately, obtaining flood insurance doesn’t have to be difficult: The National Flood Insurance Program (NFIP) offers coverage for all 50 states at competitive rates. So, if you’re wondering whether it’s worth getting flood insurance on top of your homeowner’s policy—the answer is yes! Taking out additional flood coverage could give you the peace of mind of knowing that if a flood does strike, you won’t be left with potentially devastating financial losses due to lack of protection.

Give Us A Call

If you have any questions about your coverage, or if you want tips to help prepare your home or business in case of a flood, give us at Bronson Insurance Services a call today. We proudly serve the Oak Creek, WI area and would be glad to help you prepare for whatever Mother Nature has in store.

Four of the most important things to know about home insurance

Being informed is essential when you make decisions about home insurance in Oak Creek, WI. Bronson Insurance Services is a great source of information on this vital coverage. 

Below are four of the most important things to know about home insurance:

You can choose how much coverage to carry.

Home insurance providers give you various options when it comes to how much coverage you’ll carry. You need to carefully consider how much coverage you need. 

The amount of coverage that you need on your home insurance policy depends on numerous factors including the value of your property, assets, and personal possessions within your property. 

Home insurance providers offer discounts.

Fortunately, there are a lot of discounts offered by home insurance companies.

You can save money with home insurance discounts if you invest in home repairs and security features. You can also save money by taking advantage of automatic payment features or bundling your home insurance policy. 

There are many sources of information on home insurance.

If you want to be as informed as possible about home insurance, then you need to use the resources that you have available.

You can learn about home insurance by using the Internet and exploring the sites of insurance providers. You can also get information on home insurance options by consulting with your real estate agent, neighbors, or local phonebook. 

You can choose between an actual cash value policy or a replacement cost policy. 

If your home insurance policy offers actual cash value coverage, you get compensated for the current market value of your property if your home is destroyed. With a replacement cost policy, you’ll get the funds to completely rebuild your home if it is destroyed. 

Contact Us Today

Feel free to get in touch with us if you want to learn more about insuring your home in Oak Creek, WI. Call or email Bronson Insurance Services to get a policy quote. 

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