Category: Renters Insurance

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. 

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.

Renters in Wisconsin are lucky to be living in one of the most affordable states for renters in the United States. With an average rent of $954, 39 states are more expensive. There is no requirement under the law to have renters insurance and 60% of people don’t have it. That is surprising considering what good value it is. At Bronson Insurance Services in Oak Creek, WI, as an independent insurance agency, we work for our customers to make sure they understand the value they are getting for their insurance dollars. 

Renters insurance is not well understood and most people have a lot of questions about it. 

Doesn’t my landlord have insurance?

Undoubtedly they do but their insurance covers their building. It does not cover your personal property or protects you if someone visiting you is injured in your rental. 

What kind of content coverage does renters insurance offer?

With renters insurance, you have two choices of content coverage. You can choose actual value or replacement cost. It depends on how much of your property you want to replace. Replacement cost is what it would cost to buy your possessions today, no matter how old they are. Actual value takes depreciation into account. 

Will renters insurance give me money for a place to stay if my rental is damaged?

Loss of use is typically included in renters insurance. As always, be sure to read your policy to make sure you understand what it provides. 

Will my renter’s insurance cover me if my dog bites someone?

As long as your dog is not a breed that is excluded from coverage, it should be considered a member of your family and covered under your liability coverage. 

At Bronson Insurance Services in Oak Creek, WI, we have the information you need to decide if renters insurance is something you could benefit from.