When you get condo insurance, it provides you with several different kinds of coverage. There are three main types of coverage included along with a few other types. When you own a condo and don’t have a condo policy in place yet, give us a call at Choice 1 Insurance Agency in New Richmond, WI. We can help you get the policy you need for your specific condo.
Protection for the Condo
You’ve invested in your condo, so you need to protect it. Condo insurance includes coverage that protects the part of the building that you own against many types of damage. When you have this coverage, it can pay for the repairs you need after certain events such as disasters. You should never be without this coverage.
Coverage for Your Items
The items inside your condo also need protection. It’s likely that everything you own is inside, and those items should be covered. Condo insurance doesn’t just cover the condo, it also covers what’s in it. You need this protection in case a damaging event causes extensive damage to some or all of your possessions. Without this coverage, you’d have to pay to replace everything on your own.
Another type of coverage in a condo policy is liability coverage. This is a type that pays for someone else’s injuries if they should have an accident while inside your condo. Guests can fall and have other accidents. If they do, you’re responsible for paying for their medical bills and other costs. With condo insurance, the policy pays for those bills to protect you.
Get Condo Insurance
It’s essential to have this insurance if you own a condo. To find out more about these policies, give us a call now at Choice 1 Insurance Agency in New Richmond, WI.
Any time we go through financial hardships, the loss of employment, or reduced hours, there is a need to look over the budget and see what can be trimmed off. Before you decide to cut out your life insurance policy from Choice 1 Insurance Agency in New Richmond, WI, there are a few reasons why you should make that monthly installment.
Accidents Can Happen
Just like the loss of work is unexpected, your passing could also be accidental and completely unexpected. Without the life insurance policy, your loved ones will truly have financial strains on top of your final costs and the lack of income that you have been experiencing. While a life insurance policy cannot replace your presence, it can alleviate some of the burden that comes with grieving and new responsibilities.
You Have Outstanding Debt
In the event of your passing, your debt isn’t automatically erased, and your loved ones will be forced to cover those expenses. As long as you have outstanding debt and needs, you should keep a life insurance policy intact for your loved ones. They can use the life insurance policy to cover these debts, allowing them to keep the property they were purchasing and intended to use just for them.
Subject to Rates and Testing
When you first got your life insurance policy, you may not have had to secure any medical exams and had lower rates for the policy. Depending on your age, there may be new regulations when you try to resume the policy and find yourself with a higher rate. This usually happens when the policy has lapsed more than a month.
Call Today To Discuss Your Options
If you live in the New Richmond, WI area and have questions about life insurance or want a personal quote, contact our agents at Choice 1 Insurance Agency today.
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:
- 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.
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.
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.
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.