Does auto insurance protect me in cases of vandalism or theft?

If you only have the minimum auto insurance in Wisconsin, your protection is very limited. The state only requires you to carry liability insurance. Liability insurance protects the other parties if you are found to be at fault in an accident.

Minimum insurance for New Richmond, WI drivers may also not be enough to cover damages, especially if there were injuries. At Choice 1 Insurance Agency, we can help you understand what coverage you have so you can make an informed decision about what other kinds or protection you need.

Coverage for Vandalism and Theft

Liability insurance does not protect you if your vehicle is deliberately damaged or stolen. If the criminal is caught, you may be able to get restitution or reimbursement in a civil suit. Otherwise, you are responsible for paying out of your own pocket.

If you want protection in case of vandalism or theft, you should look into comprehensive coverage. Comprehensive coverage actually protects your vehicle from several different kinds of perils, including:

  • Vandalism
  • Theft
  • Fire
  • Animal damage

Other Kinds Of Protection You May Need

Collision coverage is another popular kind of protection you can opt for. Liability insurance only pays for the other driver’s vehicle; collision coverage protects yours too.

Medical benefits coverage will help to cover medical expenses and funeral expenses, as needed, no matter who was at fault in an accident.

If you don’t have roadside assistance through another source, you can add it to your auto insurance.

If you are waiting for your vehicle to be repaired, rental car coverage can keep you mobile.

Call Today So We Can Help You Get Started

Driving in New Richmond, WI has risks, but you can protect yourself with the right coverage. Call Choice 1 Insurance Agency if you have any questions.

Is Commercial Insurance Necessary for Food Trucks?

Whether you’re serving up hot dogs, tacos, sticky buns, or other delicious treats, it’s important that you protect your investment in your food truck by purchasing the right insurance policy for your needs. At Choice 1 Insurance Agency, serving New Richmond, WI, we’re proud to work with our customers to find the right policy to protect their assets. Let’s take a look at what you need to know when considering insurance for your food truck business. 

Insurance and Your Food Truck

Insuring a food truck can be a tricky business. In most states, including Wisconsin, you’ll need to have a business owner’s insurance policy that provides both liability and property insurance. It’s often a good idea to evaluate your business and decide if you need additional policies to keep your food truck protected. 

What is Commercial Insurance?

Commercial insurance goes above and beyond your standard business insurance policy and can help you rest assured that you’re protected in the event of an employee injury, customer lawsuit, or other unexpected events that can wreak havoc on your profits.

Is Commercial Insurance Necessary for Food Trucks?

Generally, yes–it’s a good idea to purchase commercial insurance for your food truck. You’ll need a business owner’s insurance policy to meet the bare minimum coverage requirements in Wisconsin, but it’s a smart idea to take out a commercial policy to protect you against unexpected problems.

Schedule A Consultation Today

At Choice 1 Insurance Agency, serving New Richmond, WI, we’re proud to be your answer for all of your business insurance needs. Reach out to us today to get a quote on the right insurance policy for your needs. 

Why All Homeowners Need Home Insurance

Every homeowner knows that they have to protect their home in a number of ways. One of the most important ways to protect your home is to make sure you have a home insurance policy and that you keep it as long as you own the home. Without home insurance, you would be at risk for financial devastation from the many things that can happen to your home and the things inside it.

When you need home insurance, call us at Choice 1 Insurance Agency in New Richmond, WI to learn more. 

Home Protection

When a covered event happens that damages your home, your home insurance can pay for the repairs you’ll need so that the money won’t come from your own pocket. The policy can even pay for the home to be rebuilt if it’s destroyed. The cost of major repairs to your home after an event like an accident or disaster can be so high that you wouldn’t be able to afford it without insurance. For most people, their home is their biggest investment. It’s essential to protect it with a home insurance policy. 

Protection for Possessions

When a covered event happens that causes damage, it may not just be your home that gets that damaged. Your possessions may also be damaged during the event. Because this happens, home insurance also covers your possessions. You have a lot invested in the things you own, and those items need protection, too. This insurance also gives you liability insurance in case someone ever gets injured on your property. All of these forms of protection are possible, and everyone who owns a home needs to have this in place from the first day they own their home.

Get a Home Insurance Policy

To get your policy, contact us at Choice 1 Insurance Agency in New Richmond, WI.