Home is not just a place; it is where you build your life. You made a big leap and a major financial commitment when you purchased your house. Whether you have lived in it for decades or plan to sign your mortgage next week, make sure your insurance provides enough coverage to meet your needs. At Dennis Gutman Insurance, we help Manitowoc area homeowners like you build the homeowners policies that protect their investments and set the foundation for a strong financial future.
Protecting Your Home and Belongings
If you have a mortgage on your home, your lender likely requires you to carry a certain amount of insurance. If not, going without coverage should never be an option. The average homeowner in Wisconsin invests between $100,000 and $300,000 in a house, although some pay much more for their properties. That is a lot of money to put at risk without adequate insurance coverage.
To fully protect your home, you need insurance that covers your:
- Exterior structure
- Interior walls
- Detached structures
- Personal belongings
We offer home insurance that pays to rebuild or repair your dwelling, as well as any other structures on your property, like a fence or pool house. In addition, your insurance can help pay to replace personal belongings lost or damaged due to a covered event, such as a burglary, fire, storm, accidental discharge of water, falling object, explosion, and more. Some of our customers may qualify for discounts on premiums if they install certain safety features in their homes, such as a monitored alarm system or fire extinguisher.
Another important feature offered in standard homeowners insurance policies is liability protection for accidents occurring on your property. Whether you host a big party at your house, invite a few neighborhood children over to play with your kids, or hire a teenager to mow your lawn, one injury could lead to a major lawsuit. Your liability insurance can help pay for judgments and settlements against you, as well as your legal defense and court fees.
Everyone needs liability insurance, but individuals with a large amount of assets or income may need more than others. Nearly anything you own could be at risk if you face litigation. We can help you minimize your risk and determine how much coverage you need to protect yourself and enjoy peace of mind.
The Cost of Homeowners Insurance in Wisconsin
The cost of homeowners insurance pales in comparison to the cost of losing everything you own. Here in Wisconsin, we enjoy some of the lowest average home insurance rates in the country, but that does not mean you should not shop around for the most affordable rates. At Dennis Gutman Insurance, we shop and compare home insurance rates from several of the state’s leading carriers. We look for excellent rates on quality coverage, as well as discounts for customers who bundle their coverage with other types of insurance, such as auto, boat, and RV.
If you are a homeowner in the Manitowoc area, we encourage you to contact our agency for a quote. We are a small town, independent agency with an emphasis on saving you money. Why overpay when lower rates could be a phone call away? Contact us today to speak with Dennis or one of the helpful members of our office staff. We look forward to serving you soon.