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OnQuote Insurance Blog

What Natural Disasters Are Covered By Home Insurance?

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As a homeowner, you may face natural disasters that are beyond your control. These events can cause damage to your home, necessitating quick repairs so you can return to your normal life. Here are the natural disasters that home insurance policies typically cover.

Lightning Strikes

While rare, lightning strikes can cause significant damage to your home. They often affect your electrical circuit and, if they strike in the right place, could even cause a fire.

Hail Damage

Hail can cause damage to the roof and exterior of your home. Hail can sometimes be so large and powerful that it can even damage windows. After a severe hail storm, you’ll likely need some roof repair.

Wind Damage

At times throughout the year, wind gusts can become unusually high unexpectedly. This doesn’t usually relate to a storm but rather to unusually high gusts causing damage. This type of wind can affect the shingles and siding on your home, causing damage. If you have a fence or other structure on your property, they may also experience some damage from the wind.

Wildfires

Wildfires can occur anywhere and at any time. With a home insurance policy, the damage sustained to your home will be covered if the fire is classified as a wildfire and not caused by anything else. Wildfires can cause significant damage, and in some cases, completely destroy a home.

If you’re looking for home insurance in Wisconsin, contact us at OnQuote Insurance today for your personal quote.

Is Insuring an Electric Vehicle Any Different Than Insuring a Gas Vehicle?

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The rising popularity of electric vehicles (EVs) has sparked many drivers’ curiosity about how insurance for these greener alternatives compares with that of traditional gas vehicles. Here at OnQuote Insurance, serving the entire state of Wisconsin, we aim to demystify the differences and similarities in the insurance for these two vehicle types.

Grasping the Coverage Needs

The insurance requirements for an electric vehicle are quite similar to those for a gas vehicle when it comes to basic coverage. Both necessitate liability, collision, and comprehensive insurance to guard against accidents, theft, and other types of damage. However, it is important to be mindful of the unique considerations that accompany EVs.

Taking Account of Cost Factors

A significant difference lies in the cost of insurance premiums. Insurance for electric vehicles often incurs higher premiums due to the elevated repair costs associated with specialized parts and advanced technology inherent in these vehicles. Additionally, the vehicle’s value influences the premium cost, and EVs tend to be priced higher initially.

Specialized Coverage Options for EVs

Additional coverage options may be beneficial for electric vehicles. For example, some insurance policies offer protection for EV charging equipment—a critical aspect for EV owners. It’s also advantageous to consider coverage that addresses battery-related issues, considering the battery’s significance in an EV.

Discounts and Incentives

On the brighter side, many insurance companies offer discounts to electric vehicle owners. These discounts often form larger initiatives to promote eco-friendly practices. When shopping for insurance, it’s always wise to inquire about such incentives.

At OnQuote Insurance, we provide auto insurance policies across the state of Wisconsin. Our commitment extends to guiding you through the process of insuring your vehicle, whether it’s electric or gas-powered. Contact us today to explore your options and ensure you have the most suitable coverage for your needs.

When Should I Increase My Life Insurance Coverage?

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Understanding Motorhome Insurance in Louisville, KY

Driving a motorhome is a unique experience. You’re essentially steering a small home on wheels. Given this, the insurance requirements for a motorhome are more complex than those for a typical car and considerably more vital to understand. At Family Select Insurance in Louisville, KY, we’re here to help you navigate your insurance options and make the right choices.

A Class of Their Own

Motorhomes, often referred to as RVs, come in diverse types—Class A, B, and C. For instance, Class A motorhomes resemble buses and are the largest of the group. Class B motorhomes, also known as van conversions, are the smallest RVs, and Class C motorhomes fall somewhere in between, closer in appearance to trucks. Each class has unique insurance needs depending on its variations in size and construction.

Comprehensive RV Coverage

Comprehensive RV coverage is highly recommended to protect your motorhome from potential damages or losses. This insurance can cover theft, fire, or other damages from severe events like storms that could severely impact your RV.

Collision

This form of coverage is crucial in case your motorhome gets into an accident. Collision insurance can help you manage the costs of repairing or replacing your RV after an accident.

Bodily Injury and Property Damage Liability

These forms of insurance can help cover costs if you cause an accident that results in injuries to others or damage to their property. This is especially important when you consider the size of most motorhomes and the potential damage they could cause.

Uninsured and Underinsured Motorist

Unfortunately, not all motorists have ample insurance coverage. If you’re hit by someone who is uninsured or underinsured, this part of your coverage can help cover costs.

At Family Select Insurance in Louisville, KY, we can help you fully understand your motorhome insurance needs and ensure you’re adequately covered for a stress-free journey. Contact us today to learn more.

What Types of Businesses Should Get Professional Liability Coverage?

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All businesses operating in Wisconsin require some form of liability insurance to protect their assets. However, for some, simply obtaining general liability coverage isn’t sufficient. Even umbrella insurance may not provide comprehensive protection. The solution lies in a professional liability policy. OnQuote Insurance can assist in crafting a professional liability policy tailored to your company’s requirements.

What is Professional Liability Insurance?

It’s a known fact: no one is perfect. Also referred to as errors and omissions insurance, professional liability insurance covers the costs associated with negligence-related claims or lawsuits. These claims don’t necessarily have to be true. While some clients may overlook a minor error, others may file a lawsuit. These types of lawsuits can jeopardize a business, even if a court determines you’re not guilty. If you’re held liable, professional liability insurance covers your defense, court costs, and compensation. Please note that professional liability insurance doesn’t cover purposeful or criminal acts, copyright, patent or trademark infringement, physical injuries, or property damage. Other insurance policies may cover some of these risks.

Who Needs Professional Liability Coverage?

If your business offers professional advice to customers, investing in professional liability policy is wise. These policies cater to a range of professions, enabling customization of coverage to fit your business. Typical businesses requiring professional liability include:

  • Lawyers and legal professionals
  • Consultants
  • Accountants and CPAs
  • Architects
  • Engineers
  • Advertising agencies and graphic designers
  • Interior designers
  • IT and tech professionals
  • Real estate agents and brokers
  • Tax preparers and financial advisors
  • Aestheticians and hairdressers.

Other fields are also vulnerable. If you’re not sure about your Wisconsin business’s coverage needs, we’re here to help. Contact the agents at OnQuote Insurance to outline your requirements and get started on a holistic policy.

Will homeowners insurance pay for renovations made to my home?

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Homeowners’ insurance covers many different aspects of home ownership. From coverage for your home’s foundation to liability coverage for visitors who may get injured on your property, it’s wise to view homeowners insurance as a group of bundled coverages. Without this crucial insurance, excessive out-of-pocket expenses could overwhelm many homeowners during unexpected events and accidents. At OnQuote Insurance, we understand that many homeowners don’t fully comprehend all aspects of homeowners insurance. We commit ourselves to fostering understanding and helping Wisconsin homeowners obtain the coverage they need.

What does homeowners insurance cover?

Homeowners insurance typically covers your home’s foundation, the interior and exterior structure, plus all the structures on your property. Your personal belongings are also covered by your policy. Other situations, including vandalism, theft, some natural disasters, and liability, are typical parts of a homeowners’ insurance policy. Your policy also provides financial coverage for the cost of rebuilding or repairing your house and the other structures on your property. Liability coverage provides protection for anyone who’s injured on your property or damage you may cause to someone else’s property.

Will homeowners insurance pay for renovations made to my home?

Whether homeowners insurance will pay for home renovations is situational. If the renovations being made are upgrades you initiated for improvement, the answer is no. However, if a covered event that negatively alters or damages your home or its structures causes the need for renovations, your homeowners’ policy will typically pay for these. Please note that damage from termites, some natural disasters, neglect, and natural wear and tear from age, aren’t covered by your homeowners’ policy. If you have questions regarding homeowners insurance, we welcome your call. We’d be happy to answer them.

Choosing the Right Auto Insurance in Wisconsin with OnQuote Insurance

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Getting auto insurance in Wisconsin is easy. Getting a policy explicitly built to your needs is a little more complicated. While you need to meet the state minimums, there’s more to consider.

At OnQuote Insurance, we can make sure you’ve thought of everything.

Exploring Types of Coverage

Did you know that there are many types of coverage that you can add to your auto insurance policy?

The state focuses on liability insurance – property damage and bodily injury. There are so many other levels of coverage you’ll want to consider. It will ensure you’re protected against more issues that could happen, whether you’re driving or not.

Such coverage options include:

  • Collision
  • Comprehensive
  • Uninsured/underinsured motorist
  • Roadside assistance
  • Rental car

With so many options, you can have a policy that will give you more peace of mind.

Minimums Are Only a Suggestion

The minimum requirements in the state are only a starting point. They’re suggestions for what you absolutely need. However, you can go higher – and this is often a good idea so that you don’t get stuck paying a lot of money out of pocket if you have to file a claim.

For example, if you have had to file various comprehensive policies in the past because of hail, rogue shopping carts, or more, you may want to raise the amount in that area.

Additionally, if you are worried about the cost of your policy, you can change the deductible. If you’re a safe driver, you can pay a higher deductible to enjoy a lower monthly payment.

It’s always best to address your concerns with a licensed insurance agent. This way, you can receive solid advice to guide you toward a policy you can rely on.

Let us help you find the right auto insurance in Wisconsin. Call OnQuote today, and we’ll be with you every step of the way.

Four ways your family will benefit from your life insurance policy

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Your family members will benefit in numerous ways if you purchase life insurance from OnQuote Insurance. We provide insurance coverage to Wisconsin consumers.

Here are four ways your family will benefit from your life insurance policy. 

Peace of mind

When you have life insurance, your family doesn’t have to worry about the future. You can prevent stress for both you and your family with life insurance. Enjoy the peace of mind of knowing that your family is protected. 

Financial security

If something happens to you, your family will lose the financial support you provide if you don’t have life insurance. By carrying life insurance, your family will enjoy financial security regardless of what the future holds. 

Emergency funds

When you carry whole life insurance, your insurance policy can accumulate cash value over time and offer a source of emergency funds.

Typically, policyholders can borrow against the value of their whole life insurance policy. This conveniently makes it possible to have an emergency fund available for unexpected expenses your family faces. 

Funds for end-of-life expenses

It’s essential that you don’t underestimate how expensive it can be to pay for a funeral and burial. Without life insurance, your surviving family members will be left having to cover these expenses themselves.

Fortunately, life insurance policies typically include coverage for end-of-life expenses. This makes it so that it won’t cost your family members anything to make arrangements for your funeral after you pass away.

Call us today to purchase life insurance in Wisconsin. Contact us now at OnQuote Insurance, and we’ll provide you with a quote for a life insurance policy that can protect your family. 

Tailoring Commercial Insurance to Your Wisconsin Business Needs with OnQuote

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Every business in Wisconsin is unique, operating in different industries and locales. Given this diversity, it’s crucial to understand the type of commercial insurance your business needs. Thankfully, you’re not alone. We at OnQuote Insurance are here to offer assistance.

Identifying Your Business’s Unique Traits

To fully protect your business, evaluating every aspect that makes your business unique is important. Here are some key questions to consider:

  • Where do you conduct business?
  • How often do you interact with clients?
  • Is a large amount of inventory involved?
  • What would happen if your business had to close suddenly for an extended period?

Once you’ve answered these questions, you can better examine your policy’s coverage options.

Understanding Different Types of Commercial Insurance

With myriad businesses come numerous types of policies. You can opt for property insurance to protect your business location and liability insurance to safeguard against injuries occurring on your property or by your employees elsewhere. You may also need business interruption coverage and commercial auto insurance. While it may seem overwhelming, an insurance agent can help simplify the process and recommend the proper coverage levels for your business.

Getting Guidance

Your Wisconsin business’s security depends on the proper coverage. Taking risks when there is an array of commercial insurance options to explore is unnecessary. When you’re ready to start tailoring a policy, we are here to help. Contact us at OnQuote Insurance to see how our insurance agents can assist you in forming a policy that fully covers your unique business needs.

How Smart Technology is Revolutionizing the Home Insurance Industry

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The Intersection of Smart Technology and Home Insurance

The realm of home insurance thrives on staying current with evolving technological trends. The industry is continuously adjusting from fire or leak detectors to sophisticated security frameworks. As homeowner uptake of connected devices rises, let’s delve into how this progress ensures a reshaping of home insurance terrain. OnQuote Insurance is at the forefront of assisting Wisconsin homeowners navigate these changes.

Always-On Home Monitoring

The assurance of round-the-clock home monitoring is unmatched. Trailblazing home monitoring services offer an indispensable defense to inhabitants who frequently travel or live solo. Embedding motion sensors and video surveillance translate into preventive steps that shield your home from potential threats.

Accelerated Claims Processing

The merging of smart technology and insurance could result in swift claims processing. With real-time data, insurers can promptly evaluate damage and expedite policyholders’ claims processing. Traditional ways involving adjusters physically inspecting properties can be supplanted by remote monitoring. For instance, smart devices fitted with sensors can instantly alert both homeowners and insurers to fires or water leaks. Remote assessment sidesteps significant delays, thereby saving crucial time.

Consult OnQuote Insurance for an Estimate

At OnQuote Insurance, we prioritize serving our clients with the utmost integrity. For a home insurance estimate in Wisconsin, reach out to our ready team. We look forward to clarifying any concerns you might have about your future home insurance policy.

What Does High-Risk Insurance Cover?

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OnQuote Insurance has years of experience working with a variety of different claim types and will strive to ensure that you’re satisfied in Wisconsin. For example, if you’re a high-risk driver, it’s critical to know what this label means and what kind of problems it can cover. 

What is High-Risk Insurance?

High-risk insurance is designed for people whom insurers think are more potentially dangerous than others. They’ve shown behavior or fall under specific headings that make insuring them a little trickier. It covers the same kind of things that other insurance policies do but has varying pricing models.

Things That Might Cause a High-Risk Status

Most drivers never get put on a high-risk insurance status, which is great if you’re trying to avoid unnecessary expenses. However, it may happen if you make one or more mistakes. These can greatly impact your insurance status and make you high risk. These include:

  • Having multiple accidents on your record (especially at fault)
  • Traffic violations, particularly DUI or DWI
  • Multiple claims for comprehensive repairs 
  • Little driving experience (such as when a teen)
  • Letting your insurance lapse
  • Lacking insurance on previous vehicles 

Note that your status as a high-risk driver is likely to last between 3-5 years, depending on multiple factors. You can get off the high-risk list as long as you consistently show excellent driving skills, avoid getting tickets or fines, and keep your policy up to date throughout the year.

We’re Here for You!

Getting help from OnQuote Insurance can help Wisconsin residents get the insurance they need for their vehicles. We’ll help you identify high-risk policies when you fall under this heading and work with you once you’re off to ensure you get the protection that you need for your vehicle.