Insurance Wisconsin: A Guide to Auto & Home Coverage
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Wisconsin insurance is critical for state residents looking to secure their cars, homes, and other investments. Wisconsin insurance companies offer different types of coverage and insurance plans for both drivers and homeowners who want to protect their assets and find affordable insurance.
If you live in Wisconsin or are considering moving there, you should be aware of and understand state-specific insurance laws and regulations.
Understanding Wisconsin's Auto Insurance Requirements
Auto insurance is required for every Wisconsin driver, with mandatory and optional basic insurance coverage options.
Minimum car insurance policy coverage in Wisconsin includes the following:
- Liability coverage: $25,000 for injury or death of one person or $50,000 for injury or death of two or more people
- Property damage: $10,000 to cover potential property damage
- Uninsured motorist coverage: $25,000 for one person and $50,000 for two or more people for bodily injury coverage
When it comes to car insurance in Wisconsin, some drivers choose to supplement insurance and increase these limits.
Review the insurance requirements of your state:
Home Insurance Essentials for Wisconsin Residents
Wisconsin residents should also incorporate home insurance to protect against weather-related risks like snow, tornadoes, and flooding. Homeowners insurance in Wisconsin is technically not required, but if you have a mortgage, your lender will likely mandate this. Wisconsin insurance companies can offer quotes that cover houses, cabins, and other dwellings to ensure you are protected year-round.
What's Covered Under Wisconsin Auto Insurance
Wisconsin auto insurance includes:
- Liability: In Wisconsin and other states, liability insurance protects you from financial loss if you cause damage to a person or their property while operating your vehicle. Minimum requirements in Wisconsin are $25,000 for injury or death of one person or $50,000 for injury or death of two or more people.
- Comprehensive: Sometimes known as "other than collision" insurance, comprehensive auto insurance covers damage not related to a collision. This can include weather-related issues, glass breakage, hitting an animal, and more.
- Collision: Much like it sounds, collision coverage is for damage related to an accident or collision. It is optional in Wisconsin.
- Uninsured/underinsured motorist: Uninsured auto insurance protects you if you are hit by a driver who does not have car insurance and is required at $25,000 per person and $50,000 per accident at a minimum for Wisconsin drivers. Underinsured motorist coverage comes into play if the driver who hits you does have insurance but does not have enough to cover the full accident-related damage. This is not required in the state but often goes hand in hand with uninsured coverage.
How To Compare Auto and Home Insurance Policies in Wisconsin
Obtaining and reviewing several Wisconsin insurance quotes can help you compare car and home insurance options in the Badger State. When comparing auto and home insurance quotes, it helps to look at factors such as what each policy covers, deductibles, discounts for bundling, and more to determine the most affordable insurance plans for your home and auto needs. Ideally, you should review policy quotes side by side so you can compare apples to apples.
Finding Affordable Insurance in Wisconsin
If you're looking for affordable home and auto insurance in Wisconsin, you can start by looking at your habits and lifestyle. Your age, driving and living habits, where you live, your credit score, and the specifics of your house and car will all factor into Wisconsin insurance rates.
It's always a good idea to:
- Get multiple bids when you're considering updating your coverage
- Look at the pros and cons of each potential policy
- Research discounts for things such as bundling policies, upgrading safety features, and making on-time payments
Cheap car insurance in Wisconsin — and affordable home insurance — start with some research and comparison.
Navigating Wisconsin-Specific Insurance Regulations
Wisconsin insurance regulations require auto insurance if you drive but do not require home insurance. However, most homeowners agree that insurance is a wise choice for protecting such a significant investment.
If you're struggling to find auto insurance, you can contact the Wisconsin Automobile Insurance Plan.
When To Review Your Auto and Home Policies
There's no time like the present to review your home and auto policies.
Don't wait until your current policies are about to expire. Instead, take a look at what you are paying today, what your coverage looks like, and what your goals are. If you're not already getting a discount for bundling your home and auto insurance, you should ask your insurer if they offer such discounts and how soon you can start taking advantage of them.
In addition, if you have experienced a major life event, such as a marriage, divorce, or a child who starts driving, or if you have made safety upgrades to your home or car, now is a great time to review your policies and determine whether they are working well for you.
You can also connect with an insurance agent to discuss Wisconsin insurance quotes and options that meet your needs and budget.
Get the Right Coverage for Peace of Mind in Wisconsin
Whether you're looking for home insurance, auto insurance, or both, the right coverage can offer peace of mind and protection in the event of both minor and serious issues.
Visit EverQuote today to get free quotes for both home and auto insurance, compare quotes side by side, and find affordable insurance that meets your current and future needs for a Wisconsin insurance plan.