Homeowners / Rental

Homeowner's and Rental Insurance

Protect Your Home With Homeowner's Insurance

Hire an insurance company that understands how important your home is to you. We know that it is probably your most significant investment and likely to be the core of your daily life. We'll find you the homeowner's insurance policy that underlines this fact and puts your needs first.

Get affordable, tailored coverage options depending on your residence, whether it's a home, an apartment, or a condominium. Contact us and hire us to get a complete sense of belonging in your home and avoid worries of costly repairs and replacements.

Homeowners' Insurance That Covers the Following Events

Most home insurance policies can protect your residential property from damage due to fire, theft, and vandalism. In addition to these, DuWayne Kreager Insurance Center can help you find a more comprehensive policy that covers costs due to:

Hail
Smoke
Falling objects
Theft of personal property

Depending on your type of residence, and your needs as a homeowner, landlord, or renter, we can provide the right home insurance policy and coverage options to you, giving you the highest value for the price you pay.

Choose the Right Home Insurance Policy

The following factors determine the final cost of your home insurance policy:

Coverage Types: The price of your policy varies widely according to your selection of coverage options
Coverage Extent: The higher the deductible you agree to pay, lesser is the cost of your home insurance policy
Coverage Limit: Depending on your situation, your residential property, and the assets you want to protect, you can choose your coverage limits, in turn affecting the final insurance policy premium

If you feel that your home isn't completely covered, consider choosing an umbrella insurance policy that extends your liability coverage.

Property / Dwelling Coverage

If your home is damaged or destroyed by an insured event like a fire or a windstorm, dwelling coverage pays for the repairs and rebuilding of your home.

Personal Liability Coverage for Your Home

If you're at fault for the injury of someone or damage of their property, in any part of the world, personal liability coverage protects your assets. Make sure that you've considered your personal income and the assets you own to ensure that your coverage is high enough to protect your assets if you're sued for damages.

Medical Coverage for Your Guests

If your guests are injured while on your property, and in some cases of it as well, medical coverage pays for their medical expenses. This coverage does not include health care costs for you or the other members of your household.

Additional Living Expense Coverage

If your home is damaged due to a covered loss, or is being restored from that state, this coverage option pays for your additional living expenses.

Personal Property Coverage

The destruction of your home not only means the loss of your property, but also the entire range of personal belongings you had stored in your home. Personal property insurance pays for the loss, theft, or destruction of a number of personal assets, such as:

Furniture
Clothes
Electronics
Other valuable items

Scheduled Personal Property Coverage

Talk to our agents to get this additional coverage option for special personal possessions like:

Jewelry
Art
Antiques
Collectibles

Determine the Right Home Insurance Policy Limit

Depending on the type and size of the residence you own, the cost of rebuilding your home can be lower or higher than its fair market price or actual purchase price. Contact us to correctly estimate the cost to rebuild your home and find a policy that serves the purpose effectively.

With the accurate, up-to-date information that you give us about your home and its contents, we can adjust your policy from time to time to keep it affordable while meeting your needs. If your dwelling limit accurately reflects your home’s true replacement cost, some companies will pay more than the limit if a covered loss is greater than the limit on your policy.

When you're sure that your home and all its contents are properly insured, we'll work with you to review and re-examine your coverage and limits on a routine basis and whenever you add improvements and modifications.

Renters' Insurance for Your Personal Belongings

Ensure that all the personal belongings that you've worked hard to earn are safe and secured by insurance. Contact us to talk to our professionals and we'll help you find the coverage options that secure you, your family, and your investments.

What Does Your Renters' Insurance Cover?

Personal Property: Your personal property is protected against theft or damage to an extent depending on the coverage limits and deductible amount. At a small additional premium, you'll be paid the actual cost of purchase to replace the item after theft or damage, disregarding depreciation
Liability Expenses: Rental insurance can cover bodily injury and property damage claims. It also provides you with legal defense if you're sued after a covered loss. You can also add a medical payments coverage that pays for medical expenses incurred by your guest who was injured at your residence, no matter whose fault it was
Valuable Articles: Special items like jewelry, art, antiques, and collectibles can be covered by a broader personal property coverage option, known as valuable articles option

We'll help you select the right renters' insurance coverage, whether you're seeking a new residence or in the midst of a move. Contact us to share your rental insurance needs.

Call us

to hire our experienced and knowledgeable staff!

800-200-1340

Our business was established in 1983. We're a member of the Independent Insurance Agents of Wisconsin.