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Protect Your Home with Goosehead Insurance

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Essential

Why Home Insurance is Essential in Milwaukee

Understanding Milwaukee’s specific risks helps you build a strong insurance policy that protects your home. Common risks include:

  • Urban Flooding and Lake Michigan: Proximity to Lake Michigan, periods of heavy rainfall increase the likelihood of flooding and other water types of water damage in low-lying areas and homes near Milwaukee River.
  • Severe Storms and High Winds: Milwaukee experiences strong winds and occasional thunderstorms, which can cause roof damage, broken windows, or fallen trees.
  • Winter Weather: Harsh Midwest winters often lead to ice dams, frozen pipes, and snow-related structural damage. Streets like those in East Town and Story Hill may be at a higher risk of snow accumulation.

Coverage

What Does Home Insurance Cover in Milwaukee?

A standard home insurance policy in Milwaukee includes: 

  • Dwelling Coverage: Protects the structure of your home, including walls, roof, and built-in appliances, from weather-related damage.
  • Personal Property Coverage: Covers valuable items inside your home, such as furniture, certain electronics, or clothing, in the event of theft, fire, or other covered damage.
  • Liability Protection: Provides financial protection if someone is injured on your property, or if you accidentally damage someone else’s property.
  • Additional Living Expenses (ALE): Helps pays for temporary housing and associated costs if your home becomes uninhabitable due to a covered event.

Options

Useful Policy Add-Ons for Milwaukee Homeowners

While a standard policy is a good start, Milwaukee homeowners may benefit from additional coverage options tailored to local risks, such as:

  • Flood Insurance: Heavy rainfall and urban flooding in areas like Riverwest and the Menomonee Valley make this an important policy addition. However, flood damage is not covered in standard policies, so getting a policy from a private insurer or the National Flood Insurance Program is available.
  • Extended Replacement Cost Coverage: Additional protection to rebuild your home if labor and material prices exceed standard limits unexpectedly after a citywide disaster.
  • Sewer Backup Coverage: Protects against damage caused by backed-up sewers or sump pump failures during Milwaukee's rainy seasons.
  • Ice Dam Protection: Covers damage from melting snow or ice dams, a frequent problem during Milwaukee winters.
  • Windstorm and Tornado Coverage While not as common as inland Wisconsin, occasional high winds can cause localized damage in Milwaukee. Specific coverage ensures your preparedness.

Cost

How Much Does Home Insurance Cost in Milwaukee?

The cost of home insurance in Milwaukee can vary based on several factors:

  • Location: Homes in areas like Bay View might have slightly higher premiums due to flooding risks, while neighborhoods like Harambee may see lower premiums.
  • Home Age: Older Milwaukee homes in neighborhoods like Brewer's Hill may have higher premiums because of aged plumbing or roofing.
  • Home Features: Rebuilding costs are based on certain features like square footage, materials used to build, number of rooms, and any potential luxury upgrades. Higher value homes tended to have higher rebuilding costs because of this, so they see higher premiums.
  • Coverage Additions: Adding custom endorsements, such as flood or sewer backup insurance, increases your overall coverage cost while providing peace of mind.

On average, Milwaukee homeowners spend about $1,300 to $1,600 a year on home insurance. Ultimately, what you pay depends on the factors above and your circumstances.

Goosehead insurance is able to customize policies that fit your budget.

Protect Your Milwaukee Home Today

Looking for Milwaukee home insurance? Goosehead Insurance offers customized policies to protect your home in Milwaukee. Get a free quote today!

By combining local knowledge, competitive rates, and exceptional service, Goosehead Insurance makes protecting your Milwaukee home simpler than ever. Get in touch today to find the right plan for you.

New Customers Call 833-779-4090

Save

Ways Milwaukee Homeowners Can Save on Insurance

Protecting your Milwaukee property doesn’t have to come at a steep cost. Here are some tips to save:

  • Bundle Policies: Combine your home and auto insurance for significant savings.
  • Upgrade Your Home: Installing a sump pump or upgrading to a weatherproof roof may qualify you for discounts.
  • Improve Security: Adding a monitored security system or smart home devices can reduce insurance costs while protecting your property.
  • Shop Around: Goosehead’s network of independent agents ensures you’ll find the best deal that fits your budget.

Trust Goosehead

Why Choose Goosehead Insurance for Your Milwaukee Home?

At Goosehead Insurance is committed to tailoring your policy to meet Milwaukee-specific needs. Here’s why Milwaukee homeowners choose us:

  • Customized Coverage: From Lake Michigan’s waterfront neighborhoods to bustling urban areas, we offer policies tailored to your home.
  • Extensive Options: We can compare policies from top-rated carriers to find the best plan for you.
  • Professional Service: Our team of expert agents provides Milwaukee homeowners with personalized assistance every step of the way.
  • Simplified Solutions: We handle the details, so you can focus on enjoying life in Milwaukee.



Notice of Rights to Opt Out of Sale/Sharing

Some states have enacted comprehensive privacy laws that grant their residents with the right to opt out of “targeted advertising,” “selling,” or “sharing” of personal information.
 

We or our marketing and advertising service providers may use information about your activities on our Website or other websites to help tailor our advertisements or offers to what may interest you. To opt out of these activities while using our Website move the above toggle to the left and confirm your choices below. These activities are based on online cookies and the opt-out choice is specific to this device. Should you ever clear your cookies on this browser or use another browser or device you may need to opt-out again.

Exercising your State Specific Comprehensive Privacy Rights 
To submit a data privacy request and request access to or deletion of your personal information, or to exercise any other data rights under California, Colorado, Connecticut, Delaware, Iowa, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Tennessee, Texas, Utah, and Virginia* law, please contact us using one of the following methods:
  • Website: you may visit https://www.gooseheadinsurance.com/consumer-privacy-requests/ to exercise your privacy rights via our website. Please fill in the appropriate web form so that we may verify and process your request in an efficient manner.
  • Email: you may contact us at [email protected] to exercise your privacy rights. Please include your full name, email address, and the phone number associated with your insurance policy, along with why you are writing.
  • Phone: you may call and leave a voicemail 1-888-928-0031 to exercise your privacy rights. Please include your full name and the phone number associated with your insurance policy, along with why you are calling.
  • Mail: you may mail a letter to exercise your privacy rights (see Contact Us below). Please include your full name, phone number, and the details of your request
*While Connecticut, Delaware, Iowa, Minnesota, Montana, Nebraska, New Hampshire, New Jersey Oregon, Tennessee, Texas, Utah, and Virginia have enacted privacy laws, Goosehead is exempt based on its status as an insurance producer and/or its compliance with the Gramm-Leach Bliley Act.
 
Methods to Opt-Out of Sharing of Personal Information for Targeted Advertising: To limit interest-based advertising generally click here and/or select the “limit ad tracking” or equivalent setting in your mobile device settings. Additionally, if you enable a browser-based opt-out preference signal, such as Global Privacy Control, in certain jurisdictions, upon receipt or detection, we will make reasonable efforts to treat the signal as a valid request to opt out of the sharing of Personal Information for targeted advertising pursuant to applicable law.

To access our full Privacy Policy, please click here.

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