{"id":141,"date":"2011-05-26T16:18:54","date_gmt":"2011-05-26T22:18:54","guid":{"rendered":"http:\/\/www.insuredco.us\/?page_id=141"},"modified":"2020-12-22T14:09:28","modified_gmt":"2020-12-22T20:09:28","slug":"home-insurance","status":"publish","type":"page","link":"https:\/\/www.baerinsurance.com\/wisconsin-illinois\/insurance\/personal-insurance\/home-insurance\/","title":{"rendered":"Home Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"141\" class=\"elementor elementor-141\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-66ee2e8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"66ee2e8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2859a1a\" data-id=\"2859a1a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0904ec5 elementor-widget elementor-widget-text-editor\" data-id=\"0904ec5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/www.agencyinfo.net\/__ivai\/__ivai_page_styles.css\">\n\n<section class=\"ivx9\">\n\n  <!-- Hero \u2014 copy left, coded artwork right -->\n  <div class=\"ivx9-hero\" data-a=\"1\">\n    <div class=\"ivx9-hero-copy\">\n      <div class=\"ivx9-eyebrow\"><span class=\"ivx9-eyebrow-rule\"><\/span>Baer Insurance Services<\/div>\n      <h2 class=\"ivx9-headline\">Homeowners Insurance <\/h2>\n      <p>Owning a home is one of life&#8217;s biggest investments. Buying a policy off-the-shelf without expert guidance can leave huge gaps between what you needed and what you paid for. Your policy should reflect your home&#8217;s uniqueness, your lifestyle, and your financial assets.<\/p>\n      <p>Baer Insurance Services has worked hard to assemble homeowners, condo, and renters plans rated among the best in the country \u2014 backed by top-rated carriers and responsive claims service.<\/p>\n    <\/div>\n    <div class=\"ivx9-visual\">\n      <!-- IVX9 coded artwork \u2014 generated illustration, no external image.\n     Colour comes from .ivx9-af-* in __ivai_page_styles.css. -->\n<svg class=\"ivx9-art\" viewBox=\"0 0 400 300\" role=\"img\" aria-labelledby=\"t-homeowners-insurance\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" preserveAspectRatio=\"xMidYMid meet\"><title id=\"t-homeowners-insurance\">Illustration of a house with a protective shield<\/title><rect class=\"ivx9-af-field\" x=\"0\" y=\"0\" width=\"400\" height=\"300\"\/><g class=\"ivx9-af-grid\"><line x1=\"34\" y1=\"0\" x2=\"34\" y2=\"300\"\/><line x1=\"68\" y1=\"0\" x2=\"68\" y2=\"300\"\/><line x1=\"102\" 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class=\"ivx9-af-5\" d=\"M286 33 L320 24.36 L354 33 C354 98.28 338.7 123.24 320 129 C301.3 123.24 286 98.28 286 33 Z\"\/><path class=\"ivx9-af-check\" d=\"M306.2 79.2 L317 90 L335 66.6\" stroke-width=\"9\"\/><rect class=\"ivx9-af-4\" x=\"0\" y=\"244.5\" width=\"400\" height=\"10.5\"\/><rect class=\"ivx9-af-ink-2\" x=\"0\" y=\"244.5\" width=\"400\" height=\"3\"\/><\/svg>\n<script type=\"module\" src=\"https:\/\/static.cloudflareinsights.com\/beacon.min.js\/v4513226cdae34746b4dedf0b4dfa099e1781791509496\" integrity=\"sha512-ZE9pZaUXND66v380QUtch\/5sE9tPFh2zg45pR2PB0CVkCtOREv2AJKkSidISWkysEuQ0EH8faUU5du78bx87UQ==\" data-cf-beacon='{\"version\":\"2024.11.0\",\"token\":\"fe4e3484786740c0821a1914343f2941\",\"r\":1}' crossorigin=\"anonymous\"><\/script>\n    <\/div>\n  <\/div>\n\n  <!-- Metrics strip -->\n  <div class=\"ivx9-metrics\" data-a=\"2\">\n    <div class=\"ivx9-metric\">\n      <div class=\"ivx9-metric-bar\"><\/div>\n      <div class=\"ivx9-metric-lbl\">Coverage Types<\/div>\n      <div class=\"ivx9-metric-val\">Comprehensive<\/div>\n    <\/div>\n    <div class=\"ivx9-metric\">\n      <div class=\"ivx9-metric-bar\"><\/div>\n      <div class=\"ivx9-metric-lbl\">Property Types<\/div>\n      <div class=\"ivx9-metric-val\">Home \u00b7 Condo \u00b7 Renters<\/div>\n    <\/div>\n    <div class=\"ivx9-metric\">\n      <div class=\"ivx9-metric-bar\"><\/div>\n      <div class=\"ivx9-metric-lbl\">Carrier Ratings<\/div>\n      <div class=\"ivx9-metric-val\">Top-Rated<\/div>\n    <\/div>\n    <div class=\"ivx9-metric\">\n      <div class=\"ivx9-metric-bar\"><\/div>\n      <div class=\"ivx9-metric-lbl\">Claims Service<\/div>\n      <div class=\"ivx9-metric-val\">Responsive<\/div>\n    <\/div>\n  <\/div>\n\n  <!-- Call to action -->\n  <div class=\"ivx9-cta\" data-a=\"3\">\n    <div class=\"ivx9-cta-content\">\n      <div class=\"ivx9-cta-heading\">Your home deserves coverage as unique as it is.<\/div>\n      <p class=\"ivx9-cta-sub\">Our agents take the time to understand your situation before recommending a plan.<\/p>\n    <\/div>\n    <div class=\"ivx9-cta-action\">\n      <br style=\"height:1em\" \/>\r\n<p><a class=\"longquoteserviceformbuttons\" href=\"https:\/\/www.baerinsurance.com\/wisconsin-illinois\/online-quotes\/\"><i class=\"fa fa-shopping-cart fa-1x\" style=\"margin: 0 14px 0 0;\"><\/i>QUOTE ME NOW<\/a><\/p>\r\n<br style=\"height:1em\" \/>\n    <\/div>\n  <\/div>\n\n  <div class=\"ivx9-block\" data-a=\"4\">\n    <div class=\"ivx9-block-rail\">\n      <div class=\"ivx9-tag\">Coverage Guide<\/div>\n      <h3>Understanding Your Home Insurance Coverage<\/h3>\n    <\/div>\n    <div class=\"ivx9-qa\">\n      <p class=\"ivx9-lead\">A homeowners policy bundles several protections for your home, your belongings, and your finances. Here are the main parts of a standard policy and how they work for homeowners.<\/p>\n      <div class=\"ivx9-item\">\n        <h4>Dwelling Coverage<\/h4>\n        <p>Dwelling coverage pays to repair or rebuild the physical structure of your home \u2014 walls, roof, and attached structures \u2014 after a covered loss such as fire, wind, or hail. It should be set to the cost to rebuild your home, not its market value.<\/p>\n      <\/div>\n      <div class=\"ivx9-item\">\n        <h4>Other Structures<\/h4>\n        <p>This covers structures on your property that are not attached to the house, such as a detached garage, fence, shed, or workshop.<\/p>\n      <\/div>\n      <div class=\"ivx9-item\">\n        <h4>Personal Property<\/h4>\n        <p>Personal property coverage protects your belongings \u2014 furniture, electronics, clothing, and appliances \u2014 if they are stolen or damaged by a covered event. High-value items like jewelry may need a separate scheduled endorsement.<\/p>\n      <\/div>\n      <div class=\"ivx9-item\">\n        <h4>Loss of Use<\/h4>\n        <p>If a covered loss makes your home temporarily unlivable, loss of use (additional living expenses) helps pay for lodging, meals, and other costs while repairs are made.<\/p>\n      <\/div>\n      <div class=\"ivx9-item\">\n        <h4>Personal Liability<\/h4>\n        <p>Liability coverage protects you if someone is injured on your property or you accidentally damage someone else&#8217;s property, including legal defense costs up to your policy limits.<\/p>\n      <\/div>\n      <div class=\"ivx9-item\">\n        <h4>Medical Payments<\/h4>\n        <p>Medical payments coverage helps pay for minor injuries to guests on your property, regardless of who was at fault.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"ivx9-block\" data-a=\"5\">\n    <div class=\"ivx9-block-rail\">\n      <div class=\"ivx9-tag\">Questions<\/div>\n      <h3>Home Insurance FAQ<\/h3>\n    <\/div>\n    <div class=\"ivx9-qa\">\n      <div class=\"ivx9-item\">\n        <h4>Is homeowners insurance required?<\/h4>\n        <p>Homeowners insurance is generally not required by law, but nearly every mortgage lender requires it as a condition of your loan. Even if you own your home outright, a policy protects what is likely your largest asset.<\/p>\n      <\/div>\n      <div class=\"ivx9-item\">\n        <h4>What does a standard homeowners policy cover?<\/h4>\n        <p>A standard policy typically includes dwelling, other structures, personal property, loss of use, personal liability, and medical payments coverage. Exact terms vary by policy, so review your coverage with your agent.<\/p>\n      <\/div>\n      <div class=\"ivx9-item\">\n        <h4>Does homeowners insurance cover flood damage?<\/h4>\n        <p>No. Flood damage is excluded from standard homeowners policies. To protect against flooding you need a separate flood insurance policy, which we can also arrange.<\/p>\n      <\/div>\n      <div class=\"ivx9-item\">\n        <h4>Does my policy cover hurricane or wind damage?<\/h4>\n        <p>Wind and hail are generally covered, but policies in coastal and high-wind regions often carry a separate named-storm or hurricane deductible. It is important to confirm your deductibles before storm season.<\/p>\n      <\/div>\n      <div class=\"ivx9-item\">\n        <h4>How much dwelling coverage do I need?<\/h4>\n        <p>Your dwelling coverage should reflect the cost to rebuild your home at current construction prices, which can differ from its market or purchase price. We can help you estimate an appropriate amount.<\/p>\n      <\/div>\n      <div class=\"ivx9-item\">\n        <h4>What is the difference between replacement cost and actual cash value?<\/h4>\n        <p>Replacement cost pays to repair or replace property without deducting for depreciation, while actual cash value subtracts depreciation. Replacement cost coverage generally provides stronger protection.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"ivx9-block\" data-a=\"6\">\n    <div class=\"ivx9-block-rail\">\n      <div class=\"ivx9-tag\">Coverages Available<\/div>\n      <h3>What a policy can include<\/h3>\n    <\/div>\n    <div class=\"ivx9-qa\">\n      <p class=\"ivx9-cov-title\">Homeowners, Condo &#038; Renters Insurance \u2014 We Can Offer:<\/p>\n      <ul class=\"ivx9-cov\">\n\n        <li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Many coverages for you &amp; your property<\/li>\n\n        <li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Responsive &amp; caring claims service<\/li>\n\n        <li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Affordable property insurance<\/li>\n\n        <li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Condo &amp; co-op coverage<\/li>\n\n        <li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Renters insurance<\/li>\n\n        <li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Replacement cost protection<\/li>\n\n        <li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Liability protection<\/li>\n\n        <li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Additional living expenses<\/li>\n\n      <\/ul>\n    <\/div>\n  <\/div>\n\n  <div class=\"ivx9-note ivx9-note-amber\" data-a=\"7\">\n    <p>We&#8217;re always pleased to provide prompt and friendly consultations on Homeowners, Condominium, and Renters insurance \u2014 helping you understand protection you can truly be comfortable with.<\/p>\n  <\/div>\n\n<\/section>\n\n<br style=\"height:12em\" \/>\n<div class=\"knowledgecenter-block-css\"><h4>Want to Learn More About Insurance for Your Home?<\/h4>\nVisit our site&#8217;s knowledge center, where you&#8217;ll find tips and information about insurance and how it benefits you.  Everything is categorized and easy to find.\n<br \/><br \/>\n<a class=\"longquoteserviceformbuttons\" href=\"..\/..\/..\/insurance\/knowledge-center\/\"><i class=\"fa fa-arrow-circle-right fa-1x\" style=\"margin: 0 14px 0 0;\"><\/i>View Knowledge Center<\/a><\/div>\n\n<br style=\"height:8em\" \/>\n\n<script type=\"module\" src=\"https:\/\/static.cloudflareinsights.com\/beacon.min.js\/v4513226cdae34746b4dedf0b4dfa099e1781791509496\" integrity=\"sha512-ZE9pZaUXND66v380QUtch\/5sE9tPFh2zg45pR2PB0CVkCtOREv2AJKkSidISWkysEuQ0EH8faUU5du78bx87UQ==\" data-cf-beacon='{\"version\":\"2024.11.0\",\"token\":\"fe4e3484786740c0821a1914343f2941\",\"r\":1}' crossorigin=\"anonymous\"><\/script>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Baer Insurance Services Homeowners Insurance Owning a home is one of life&#8217;s biggest investments. 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