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Friday, April 1, 2022

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Black River Falls, WI New Independent Insurance Agency

Preferred Insurance Agency is Black River Falls newest local Independent insurance agency. We got our start in the La Crosse area in 2018 and with over 250 5-Star reviews we pride ourselves on saving our customers money and impeccable local customer service. We think you’ll be very happy with what we can do for you when it comes to saving money on your car insurance policy. It might seem to you that auto insurance coverage would be the same no matter which company you choose, but the truth is, there are plenty of opportunities for people to save money on their car insurance, and even more if you bundle it with home insurance. You Can Read Our Latest Black River Falls Customer Reviews Here La Crosse Office Customer Reviews

How We Get You Affordable Auto Insurance in Black River Falls, WI

Preferred Insurance Agency is and independent insurance agency, which means we can shop around with multiple car insurance providers. We gather some information from you, run a quote, and we get multiple price quotes from the different auto insurance providers. We choose the best one that fits your needs, so you pay the same or less for the same auto insurance coverage.

We Can Help You With the Following Types Auto Insurance Coverage

Liability Coverage

Liability insurance covers property damage repair costs and your medical bills if you get involved in an accident. It provides vital extra protection if you are the at-fault party in an accident.

Collision Coverage

Collision coverage pays for auto repairs in a covered accident. It even bears the value of your car if it’s totaled, and the repair costs exceed your car cost.

Comprehensive Coverage

It’s not always an accident that makes you claim insurance coverage, there may be situations where something unrelated to an automobile accident damages your car. For example, it may have borne the brunt of weather damage, gotten hit by deer, or gotten stolen. Comprehensive coverage will help cover the loss in these instances depending on your level of coverage.

Bodily Injury Coverage

Bodily Injury coverage will cover medical expenses up to a certain amount for anyone injured in a car accident other than yourself.

Property Damage Liability

Property damage liability coverage will help cover damages to another vehicle or property if involved in an accident.

Uninsured Motorist

Uninsured motorist (sometimes referred to as UM) coverage will help cover bodily injury of any occupants of your vehicle when hit by a motorist without proper auto insurance coverage.

Underinsured Motorist

Underinsured motorist coverage is similar to uninsured motiorist coverage in that it will help cover bodily injury of any occupants of your vehicle when hit by a motorist that may have an auto insurance policy but that is not robust enough to cover cost of damages incurred in an accident.

About Black River Falls

Black RIver Falls is a city in Jackson County, Wisconsin, USA perched right on the Black River with a population of approximately 3,600. Originally a sawmill town, Black River Falls was founded in order to capture and utilize the power of the water flow of the Black River. Black River Falls is also known for its agriculture and tourism, including the popular Wisconsin getaway, Lake Arbutus. For more local Black River Falls information visit https://www.blackrivercountry.net/ or https://wwisradio.com/

Contact Us or Visit Us Today

Preferred Insurance Agency of Black River Falls 10 S Roosevelt Rd, Black River Falls, WI 54615 (715) 284-5318 https://www.preferredlax.com/black-river-falls-wisconsin/
from Preferred Insurance Agency https://www.preferredlax.com/article/auto-insurance-in-black-river-falls-wisconsin

source https://preferredinsurance.tumblr.com/post/680363534786396160

Tuesday, March 22, 2022

Is Home Insurance the Same as Homeowners Insurance?

what is the difference between home insurance and homeowners insurance

To some, it might seem like an obvious question, but a common question many ask us at Preferred Insurance Agency is, “Are Home Insurance and Homeowners Insurance the same thing?” Read on to find the answer.

What Is Homeowners Insurance?

Many people wonder, “Is there a difference between a home insurance policy and homeowners insurance policy?” Well, there are no differences, but people use these interchangeable phrases to refer to their home insurance policies. Home insurance, property insurance or homeowners insurance are all commonly used interchangeably by people and insurance professionals. And while house insurance coverage and homeowners insurance coverage are generally the same, things can get a little more tricky. Homeowners insurance is called so because the policy covers more than your house structure. It protects you, the homeowner, from these six different aspects or protection types for your home during an accident on your property:

Dwelling coverage

Dwelling coverage protects your house structure against covered hazards like fire, wind, hail, and lightning. It is usually enough to rebuild your home entirely if destroyed by a covered event. Flood and earthquake coverage, however, isn’t included.

Other property structures

This coverage protects detached garages, sheds, and fences from covered events. While the coverage limit is usually 10% of dwelling coverage, you can buy more protection if required.

Contents coverage

Contents or personal property coverage protects any of your possessions like clothing, furniture, and electronics stolen or destroyed by covered hazards. While it’s typically between 50-70% of your dwelling coverage, it usually covers expensive items like furs and jewelry.

Loss of use coverage

This coverage applies when your home gets inhabitable because of a covered loss or event. The coverage helps with your living expenses, including restaurant and hotel bills incurred while replacing or repairing your home. The coverage is typically 20% of your dwelling coverage limit, but some policies include time limits.

Personal liability coverage

This coverage helps if someone sues you for:

Getting hurt on your property
Getting injured by your pets
Suffering property damage from an event you or your household member caused.

Personal liability coverage pays for your legal defense and any lawsuit settlement up to your coverage limits. While the coverage limit is $100,000, you can always buy extra coverage.

Medical payment coverage

This coverage helps pay the medical bills for parties hurt on your property, but don’t sue. While it pays medical expenses up to your coverage limit of $1,000, you can always buy additional coverage.

When Is Homeowners Insurance Required?

You are not legally required by state or federal law to have homeowners insurance. However, banks do require it as your mortgage condition. So you probably should start getting home insurance quotes once your home offer is accepted. Besides, as your mortgage company may require a quote to complete the loan process, having a quote smoothens the loan process. A home insurance policy is also typically required while closing a mortgage loan. Your insurance agent or company will send the documents to your mortgage lender and help you through the process so that there’s no delay in your closing.

In Conclusion

Home insurance and Homeowners insurance are the same thing and used interchangeably in the insurance world. And while a home insurance policy isn’t legally required, it’s worth it because home insurance coverage protects you from enormous financial loss and the costs of any unexpected losses on your property. Preferred Insurance Agency of La Crosse is the La Crosse area’s top rated insurance company. We have the unique advantage of being able to run your home insurance quote through multiple insurance providers so we can get you the best price for the same home insurance coverage. Visit our La Crosse home insurance page for a homeowners insurance quote. You Might Also Like: Quick Guide to Common Winter Home Insurance Claims
from Preferred Insurance Agency https://www.preferredlax.com/article/is-home-insurance-the-same-as-homeowners-insurance

source https://preferredinsurance.tumblr.com/post/679457543317274624

Friday, February 25, 2022

Quick Guide to Common Winter Home Insurance Claims

Winter cold temperatures and harsh storms can lead to power outages and burst pipes. You may be grateful for home insurance, where you can make claims when these accidents happen. However, did you know that its claims can raise your overall next year’s premiums? Being aware of the top five winter homeowners insurance claims can help prevent such damage and consequent repair bills. The most common winter home insurance claims.

These are the Most Common Winter Home Insurance Claims:

Frozen Pipes

The frozen water in a pipe can make the pipe burst, thus resulting in extensive water damage and mold. Most home insurance policies cover burst pipe damage. Your dwelling coverage covers home repair costs, and personal property coverage pays for damaged belongings.

Snow and Ice Damage

During winter, various forms of snow and ice damage to your home can occur. For example, ice accumulates on the roof after a thaw and freeze cycle where the weight causes structural roof damage. Ice dams can also cause heavy ice buildup and trigger wall and ceiling mold problems. Ice dams occur when melted snow runs down the roof and freezes before draining off the edge.

House Fires

Yes, house fires are pretty common in winter due to cooking fires around Thanksgiving, Christmas Day, and Christmas Eve, and candle fires on Christmas day. Home heating and lighting can trigger house fires due to space heaters and holiday lights.

Wind and Hail Damage

There’s no doubt that your house will protect you from wind and hail. However, did you ever realize how much your home suffers from it? Always check your home and roof for damages immediately after a hailstorm so that you can promptly file a claim. It’s better than noticing the damage only after some time and ending up with your claim denied.

Personal Injury Liability

Icy driveways or stairs and falling debris or icicles are dangerous for you and visitors. You end up liable for personal injuries incurred on your property.

Preventive Measures Worth Adopting:

It doesn’t matter what the cause for damage is. Adopting preventive actions can help avoid a disaster and winter home insurance claims.

Tips to Avoid Frozen and Burst Pipes:

Keep water running by dripping both hot and cold water lines to prevent freezing and relieve pressure in pipes.
Cover pipes exposed to chill temperatures with sleeves or newspapers.
Shut off the water if a pipe freezes and thaw the frozen water with a heated pad or hairdryer.
Drain and disconnect garden hoses and sprinkler supply lines before winter sets in.
Install leak detection technology or a water shutoff device. It alerts you when a leak appears so that you can shut off the water or make appropriate repairs.
Maintain a consistent indoor temperature below 60 degrees if you aren’t at home for an extended period.
Leave under-sink cabinet doors open to facilitate warm air circulation around the pipes.

Tips to Avoid Ice Dams on the Roof:

Keep your attic properly insulated.
Use heat cables and rubberized shingles to prevent ice dams from forming
Keep all gutters clear of debris to facilitate the proper draining of melted snow
Increase attic ventilation

Tips to Avoid Fallen Tree Branches:

Regularly trim trees
Remove dead trees or tree limbs

Tips to Prevent House Fires:

Use flashlights instead of candles during power outages
Turn off all electric appliances after continual use
Water Christmas trees so that they don’t dry and become fire hazards
Do not use the stove to heat your home
Install a screen in front of the fireplace
Professionally cleaning the fireplace annually
Keep portable heating devices at least three feet from anything flammable
Regularly test smoke alarms
No unattended burning candles and food on the stovetop

Tips to Prevent Slipping and Falling on the Ground:

Keep sidewalks, porches, and outdoor steps clear of snow and ice
Know the bylaws for inclement weather
Melt the ice using a ground treatment like salt or warm water or a natural deicer of rubber alcohol, hot water, and dish soap.

Tips to Help You File an Accurate Home Insurance Claim:

Take pictures immediately for accurate proof of the severity of damage in a claim.
Make temporary repairs to prevent further damage to your home
Save all receipts of services and supplies to submit with your claim
Know your insurance limits and exclusions

What Does Home Insurance Cover in Winter?

Home insurance policies cover most wind, rain, snow, or ice damages. It also covers additional living expenses if your house becomes uninhabitable due to the damages and you need to stay somewhere.

Standard Home Insurance Covers Damage From:

Falling snow Fallen tree limbs Freezing rain or snow Wind to your house, roof, or other insured structures Weight of accumulated snow on your house Ice and frozen or burst pipes

What Doesn’t Home Insurance Cover in Winter?

The insurer’s declarations page lists what is covered, while the policy’s exclusions section lists out what isn’t covered. However, it’s always better to ask your insurance agent or company what your home insurance policy doesn’t cover. For example, most policies do not cover: Flood damage from melting snow or heavy rain Cosmetic damages caused by wind and hail Damages due to negligence or poor property maintenance Also, Your claim may also be denied if you weren’t living at the property when the damage occurred. Check your personal property limits as some items like antiques and jewelry have lower limits than other belongings. You may require additional coverage if you have lots of valuables. Preferred Insurance Agency of La Crosse is the La Crosse area’s #1 insurance company. We have the unique advantage of being able to run your home insurance quote through multiple insurance providers so we can get you the best price for the same home insurance coverage. Visit our La Crosse home insurance page for a homeowners insurance quote. For directions click here.

Thursday, January 6, 2022

The 5 Types of Auto Insurance Coverage

After so many sacrifices, budget planning, and savings, you’ve finally managed to invest in your dream car. The dream car that’s been the apple of your eye for years will now finally be in your garage. But along with that investment comes the lingering fear of the risk of something happening to your car. You want to protect your vehicle against possible theft or damage through accidents, and protect yourself from injury and unforeseen expenses. And you’ll do that by acquiring auto insurance. When you first start looking, you realize that there are multiple types of car insurance coverage available, and making the right choice might seem overwhelming. You don’t know what type of coverage you might need, nor what the minimum auto insurance coverage your state is. You might also wonder if there is any way you can save money and still get your required coverage. Well, the good news is, this quick guide will provide help. Here is a brief description of the five types of auto insurance coverage and tips to help you save on your car insurance policy.

Five Types of Car Insurance Coverage

1. Liability Insurance

Liability insurance covers property damage repair costs and your medical bills if you get involved in an accident. It provides vital extra protection if you are the at-fault party in an accident. You otherwise are responsible for claims which exceed your coverage upper limit. No one wants to end up having to pay a large amount of money just because your claim exceeds your policy limits! While most states have a minimum liability insurance coverage requirement for drivers, it’s better to have more if you can afford it.

2. Collision Coverage

Collision coverage pays for auto repairs in a covered accident. It even bears the value of your car if it’s totaled, and the repair costs exceed your car cost. Depending on the value, it may sometimes not be worth having collision coverage if you have an older car. However, if you have a new or expensive car, then collision coverage proves helpful at getting you back to where you were before the accident. If you are paying off an auto loan, you are most likely required to carry collision coverage as part of your policy.

3. Comprehensive Coverage

It’s not always an accident that makes you claim insurance coverage. There may be situations where something unrelated to an automobile accident damages your car. For example, it may have borne the brunt of weather damage, gotten hit by deer, or gotten stolen. In these instances you may wonder if your insurance company will cover the loss. While collision and liability insurance covers accidents, it doesn’t provide coverage in these situations. This is where you need comprehensive coverage. This insurance coverage is indeed expensive but worth having if you can afford it, and you may be able to save some money if you have anti-theft and tracking devices installed in your car. While it’s necessary if you are a lienholder, you may not require it if your car can be easily replaced.

4. Personal Injury Protection

Unlike comprehensive coverage, which you needn’t necessarily purchase, you may want to include personal injury protection coverage as part of your car insurance policy, because the injuries sustained in an accident can get expensive and complicated. And you don’t want to end up with added medical bills and costs. Personal injury protection helps cover medical costs. It covers not just yours but also your passengers’ medical bills. And it doesn’t even matter who was at fault for the accident.

5. Uninsured or Underinsured Motorist Protection

While all drivers are required to have auto insurance, unfortunately, some don’t. So there’s always the risk of you ending up in an accident with someone who doesn’t have insurance. And you won’t receive a payment if they don’t have coverage. This is a scenario you want to avoid at all costs. There’s also the risk of the driver having only liability insurance. The problem here is that many states have a relatively low minimum liability coverage requirement. So there’s the chance that it may not be enough to cover all of your accident expenses. In this case, you end up receiving a lower amount of money than necessary to cover the cost of vehicular damages and personal injuries. Uninsured or underinsured motorist protection will help with your expenses, and most likely something you will be interested in having since a 2021 study shows that about 1 in 8 drivers are uninsured! The good news is that it’s relatively inexpensive to add uninsured/underinsured motorist protection to your existing policy. Besides, it can prove really helpful if you end up in an accident with an uninsured or underinsured motorist! There you go! You now have a much better understanding of the five types of car insurance coverage available. It’s up to you to decide which coverage you should and preferably must get based on your budget and coverage needs. To help get you protected, contact Preferred Insurance Agency today and we’ll save you money on your same auto insurance policy or better, and make sure you and your family are protected from the unexpected. We’re serving providing the La Crosse and Onalaska with the best auto insurance prices and customer service. We serve the surrounding areas of Iowa, Minnesota, and Wisconsin as well. Call (608) 881-6566 visit us at 401 King Street, La Crosse. Or submit our online quote form, and we’ll get back to you shortly.
from Preferred Insurance Agency https://www.preferredlax.com/article/the-5-types-of-auto-insurance-coverage

source https://preferredinsurance.tumblr.com/post/672670346481139712

Wednesday, December 1, 2021

How to Save Money on Car Insurance | Preferred Insurance Agency of La Crosse #shorts

#car #insurance #la-crosse #wisconsin #shorts How to Save Money on Car Insurance Paying for Car Insurance month after month seems like a pain, that is, until you need it. Just because auto insurance is required doesn’t mean there aren’t ways to save money. 1) Shop Multiple Insurance Providers 2) Combine Your Insurance Policies 3) Claim Any Insurance Discounts 4) Pay-by-the-Mile Insurance Policy 5) Reduce Your Insurance Coverage 6) Pay Your Bill Semi-Annually 7) Compare Insurance Prices Annually Taking the time to call us right now or fill out the form above could be a great way to add more money to your purse or wallet for the essentials required for taking care of your family. Similar Videos: https://youtu.be/gBcU3qc_m1g https://youtu.be/_5KCmrJRMoc Playlists: https://www.youtube.com/playlist?list=PLUgMAGwgSu90uk8KAPjZ38_dBox4hBlCP https://www.preferredlax.com/la-crosse-wisconsin/auto-insurance/ https://preferredinsurance.tumblr.com/post/617387291900592128/how-to-save-money-on-car-insurance-during-a

from Preferred Insurance https://www.youtube.com/watch?v=ZkD40GShQog

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