If fire, wind, vandalism, or another covered incident damages your home, your homeowners policy can help you repair or rebuild it.
It's wise to have at least enough dwelling protection to cover the cost of completely rebuilding your house. But if you want more coverage, that's fine too — residents in America's Dairyland can set their dwelling protection limits as high as 175 percent above their rebuilding estimate to cover potential increases in building costs.
Personal property protection
Your home insurance needs don't stop at the front door. Property protection helps repair or replace valuables inside the home, such as electronics, clothing, and furniture.
Family liability protection
If you accidentally cause property damage or injure someone, your liability costs could be covered — we're talking legal fees, medical bills, and settlements.
Our homeowners insurance in Wisconsin automatically includes $100,000 of liability coverage, but you can raise your limit up to $500,000. And best of all, you don't need to pay a dime out of pocket (a deductible) for this coverage to kick in.
Water backup coverage
If a clogged drain or a broken sump pump causes water damage, we'll cover up to $5,000 for most folks automatically. Wisconsin residents may be able to increase their limits up to $25,000 for even more protection. To check available coverage for your policy, give us a call at 1-800-ESURANCE (1-800-378-7262).
Additional living expense coverage
Sometimes a covered loss leaves your home uninhabitable and you need to stay elsewhere while repairs are made. Luckily, we'll help cover your hotel bill, food costs, and other reasonable expenses for up to 12 months (up to the limit) after the incident.