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Best Homeowners Insurance Agencies in Madison

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Action Insurance Agency logo
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Action Insurance Agency

6405 Century Avenue, Middleton, WI 53562
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  • Multiple Policy Types

Business Description

Action Insurance Agency is an independent agency near Madison that writes homeowners' insurance policies. The policy serves as a protection for individuals and families in the event that their residence and household possessions are destroyed by fire or other insured disasters. It provides compensation for the replacement of lost or damaged personal properties. Additionally, it covers liability protection against lawsuits from guests who suffered an injury while at the policyholder's home. The company's agents assist clients in determining whether to get a named-perils policy or an all-risk policy.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (391)
Facebook
4.2 / 5 (5)
Yelp
2.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Affordable Family Insurance logo
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License Verified:

License: 3001123005

Wisconsin office of the Commissioner of Insurance

Affordable Family Insurance

6417 Odana Road, Suite 13, Madison, WI 53719
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  • Homeowners

Business Description

Affordable Family Insurance has been handling the insurance needs of residents in Madison and the neighboring communities for more than four decades. It works with several insurance carriers to help find the right insurance policy, such as home, auto, property, and business, based on clients' needs. It also offers life, health, and disability plans. Dedicated to providing exceptional customer service, owner Dennis Bertz has been commended for listening well to clients' concerns and answering their every question regarding insurance.

License Verified:

License: 3001123005

Wisconsin office of the Commissioner of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Alongi Santas Moss Insurance Agency logo
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Alongi Santas Moss Insurance Agency

2211 Cranston Road, Beloit, WI 53511
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  • Renter's Insurance
  • Flood
  • Earthquake
  • Condos

Business Description

Alongi Santas Moss Insurance Agency is a full-service homeowners insurance broker based in Madison. In business for over six decades, the company partners with a wide variety of insurance carriers to ensure cost-effective plans that provide optimal coverage. Alongi Santas Moss offers homeowners insurance policies that generally include protection for damage caused by water back-ups, fires, and vandalism, as well as personal liability for visitors who are injured on the premises. Additionally, the business offers separate policies for earthquakes and interior flooding.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Anton Insurance logo
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Anton Insurance

137 W Mill St, Columbus, WI 53925
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  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Anton Insurance is an insurance agency based in Columbus, Wisconsin, serving clients throughout the greater Madison area and from all over the state. Founded in 1994, the firm has extensive experience in the delivery of customized auto insurance solutions to a range of clients, including motorists with multiple cars and businesses with commercial automobiles. As an independent insurance agency, the company offers clients a wide variety of choice for comprehensive coverage policies, making it easy to shop and compare different plans. Anton Insurance also offers home, renters, farm, and recreational vehicle insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
4.7 / 5 (38)
Google
4.6 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Associated Insurance Agency, Inc. logo
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License Verified:

License: 100194239

Wisconsin office of the Commissioner of Insurance

Associated Insurance Agency, Inc.

4851 Larson Beach Road, McFarland, WI 53558
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  • Homeowners

Business Description

Associated Insurance Agency, Inc., is a full-service insurance provider that has been serving the Madison metro for over 30 years. It serves individuals, families, and commercial entities. It provides homeowners' insurance to clients to cover their homes, other property structures, and other expenses due to a loss. The company also offers other lines of insurance, such as condo, renters', life, auto, and business insurance. As an independent agency, Associated Insurance Agency is partnered with local and national insurance carriers.

License Verified:

License: 100194239

Wisconsin office of the Commissioner of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
4.7 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Cliff Insurance Agency logo
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License Verified:

License: 100193619

Wisconsin office of the Commissioner of Insurance

Cliff Insurance Agency

6405 Century Avenue, Middleton, WI 53562
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  • Homeowners
  • Multiple Carriers
  • Flood

Business Description

Cliff Insurance Agency is an independent company that provides risk management solutions for residents in Madison. Covered in its services is home insurance which reimburses losses in cases of theft or natural disasters. The agency also furnishes policies that package home insurance with auto insurance. It has access to plans from various providers, including Liberty Mutual and Progressive. Prior to acquiring Wilson-Boylan Insurance Agency that is now Cliff Insurance Agency in 2013, company owner Dennis Cliff worked at MetLife for nearly 10 years.

License Verified:

License: 100193619

Wisconsin office of the Commissioner of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (427)
Facebook
5.0 / 5 (82)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Compliance Insurance logo
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Compliance Insurance

6602 University Ave, Middleton, WI 53562
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  • Renter's Insurance
  • Homeowners

Business Description

Compliance Insurance is an independent, family-owned agency that has served the Madison, Wisconsin, community since 2007. Founders Heather and Mike Wilson are a father and daughter team with over 50 years of experience. Policies include a wide range of providers and comprehensive home insurance options covering natural disasters, repair expenses, personal liability, and damage to personal property. Other products include auto insurance, and the company provides dependable protection against loss. Its agents handle high-risk auto policies with immediate issuance of SR 22 forms. Compliance Insurance also offers snowmobile and watercraft coverage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.6 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Hausmann Johnson Insurance logo
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Hausmann Johnson Insurance

740 Regent Street, Madison, WI 53715
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  • Homeowners
  • Condos
  • Renter's Insurance

Business Description

Hausmann Johnson Insurance is an insurance brokerage in Madison that specializes in commercial and personal insurance products. The company, which has been around since 1946, was founded by then independent insurance agent Phil J. Hausmann. It offers homeowners' insurance solutions that protect policyholders, their dwellings, and personal properties from various damages, natural disasters, and losses. The company also writes policies that protect condos, secondary homes, seasonal homes, rental properties, and high-value homes.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Facebook
4.4 / 5 (7)
Google
4.2 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Michael Wegner logo
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License Verified:

License: 8511929

Wisconsin office of the Commissioner of Insurance

Michael Wegner

425 Grand Canyon Drive, Madison, WI 53719
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  • Multiple Policy Types

Business Description

Michael Wegner is a State Farm insurance agent who handles clients in Madison, Middleton, Verona, and Dane County. Michael has been with State Farm since 2001, beginning as a field specialist for the agency, an agency intern four years later, and finally as an owner of an agency in 2006. He offers various insurance products such as home, life, health, auto, property, business, and pet insurance. Clients can also consult him for annuities, investments, and banking needs.

License Verified:

License: 8511929

Wisconsin office of the Commissioner of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (15)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Nick Oldenburg - State Farm Insurance Agent logo
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Nick Oldenburg - State Farm Insurance Agent

Madison, WI
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  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Business Description

Based in Madison, Nick Oldenburg- State Farm Insurance Agent assists first-time homebuyers and long-term homeowners with obtaining and updating policies. The company's homeowners plans typically provide coverage for damages due to fire, property loss due to theft, liability in the event of injury on a policy holder's property, and damage caused by severe weather. Additionally, the agency's website features a secure portal for clients to file claims and make payments.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (53)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Prairie Land Insurance Agency logo
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Prairie Land Insurance Agency

2045 Atwood Ave # Ave # 113A, Madison, WI 53704
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  • Renter's Insurance
  • Flood
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Prairie Land Insurance Agency operates throughout the Madison, Wisconsin, metro area, consulting clients on home insurance policies and facilitating their negotiation with several providers. Its agents typically structure policies consisting of protections for structural damage, personal injury and liability, and personal belongings. This agency covers a range of property types including single family homes and condominiums as well as motor homes and rental properties. Renters insurance is available to clients who have belongings inside their leased property and need coverage for cases of natural disaster, fire, or burglary. Prairie Land Insurance Agency also sells coverage for automobiles and watercraft.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (89)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Stainbrook Insurance Agency logo
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License Verified:

License: 16907389

Wisconsin office of the Commissioner of Insurance

Stainbrook Insurance Agency

2810 Crossroads Drive, Madison, WI 53718
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  • Multiple Carriers

Business Description

Stainbrook Insurance Agency is a risk management company with offices in Madison and Wausau. Included in its line of products is home insurance which covers apartments and condominiums. Furthermore, its team of agents, who accesses policies from Meemic Insurance and AAA, furnishes protection plans for owners of cars, motorcycles, campers, and snowmobiles. They also provide life insurance. Stainbrook Insurance Agency, headed by Adam and Jenna Stainbrook, has protected residents in Wisconsin, Illinois, and Michigan for more than seven years.

License Verified:

License: 16907389

Wisconsin office of the Commissioner of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (5)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The MVP Insurance Agency logo
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License Verified:

License: 100192062

Wisconsin office of the Commissioner of Insurance

The MVP Insurance Agency

PO Box 46338, Madison, WI 53744
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  • Renter's Insurance

Business Description

The MVP Insurance Agency is an independent agency that caters to homeowners in Madison. Established in 2009, it offers home protection plans from multiple regional and national carriers, such as Foremost and Safeco. For first-time applicants and policyholders, the agency teaches them about different coverage options for repairs, replacement, or reimbursement. This includes medical liabilities, temporary living expenses, and extreme weather repairs. MVP Insurance Agency also specializes in motorcycle insurance for classic models, off-road variants, and ATVs.

License Verified:

License: 100192062

Wisconsin office of the Commissioner of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (59)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The WIN Group Insurance Agency logo
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The WIN Group Insurance Agency

1082 Park Ave, Columbus, WI 53925
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  • Renter's Insurance
  • Homeowners

Business Description

The WIN Group Insurance Agency is an independent insurance agency in Columbus, Wisconsin, that provides personal property protection including home insurance to Wisconsin residents. The agency provides home insurance to protect you against damage by fire, wind, hail, liability coverage, theft or vandalism, and mortgage security. It offers discounts on its insurance products for full payment, & bundling policies,. The WIN Group Insurance Agency is a member of the BWO Insurance Group , IIAW and provides products from over 60 Top-Rated insurance carriers, which include Integrity, Acuity, Hanover, Auto-Owners, Kemper, Nationwide, MetLife, and Travelers.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (21)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Thomas Bradley Insurance logo
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License Verified:

License: 100195967

Wisconsin office of the Commissioner of Insurance

Thomas Bradley Insurance

1001 Fourier Drive Suite 100, Madison, WI 53717
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  • Multiple Policy Types
  • Homeowners

Business Description

Thomas Bradley Insurance is an agency that serves clients in the Madison metro. Its homeowners' insurance plans include liability protection and medical coverage for people injured in the insured property, its physical structure after damage due to fire or natural disasters, and loss and repair coverage for theft and vandalism. It also offers automobile, health, and business insurance policies. Thomas Bradley Insurance has been providing its services for 10 years. As an independent agency, it works with various carriers, including Acuity, Integrity, and Wisconsin Mutual.

License Verified:

License: 100195967

Wisconsin office of the Commissioner of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Facebook
5.0 / 5 (11)
Google
4.4 / 5 (8)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
TruStage logo
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License Verified:

License: 100192046

Wisconsin office of the Commissioner of Insurance

TruStage

5910 Mineral Point Road, Madison, WI 53705
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  • Multiple Policy Types

Business Description

TruStage offers homeowners' insurance to Madison residents. Liberty Mutual underwrites its insurance policies. Its homeowners' insurance covers damages caused by disasters or unwanted events, such as severe weather, fire, and theft. The agency also offers condominium and renters' insurance. Its other products include term and whole life, accidental death and dismemberment, auto, and health insurance. TruStage agents have decades of experience in the industry. They have served the insurance needs of 20 million customers.

License Verified:

License: 100192046

Wisconsin office of the Commissioner of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (1488)
Yelp
1.5 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Tyler Peterson logo
Visit WebsiteWebsite

License Verified:

License: 16696453

Wisconsin office of the Commissioner of Insurance

Tyler Peterson

801 Atlas Avenue Suite 105, Madison, WI 53714
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  • Homeowners

Business Description

Tyler Peterson is a State Farm insurance agent serving clients in Madison and the surrounding areas. He offers homeowners' insurance that provides protection for clients' homes and their personal belongings from unexpected events. Peterson also provides insurance products for automobiles, properties, and businesses. As a result of his nine years of experience as a State Farm agent, he has acquired an understanding of the risks of everyday life and the importance of having the right coverage to avoid financial losses.

License Verified:

License: 16696453

Wisconsin office of the Commissioner of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Vicki Wagener Agency - American Family Insurance logo
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Vicki Wagener Agency - American Family Insurance

1633 Thierer Rd, Madison, WI 53704
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  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Vicki Wagener Agency is an American Family Insurance agency in Madison, Wisconsin, that offers home insurance. Established in 2012, Vicki Wagener Agency offers home insurance products that include coverage for damage caused by leaky roofs, fire and smoke, lightning, theft, snow and ice, wind, hail, tornadoes, and power surges. The agency provides all American Family insurance and other financial products, including life, auto, and commercial insurance. Vicki Wagener was American Family agent of the year in 2016 and 2018 and believes in providing dependable protection, flexibility, and service to all her clients.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
4.8 / 5 (26)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
WIA Insurance logo
Visit WebsiteWebsite

License Verified:

License: 18667221

Wisconsin office of the Commissioner of Insurance

WIA Insurance

209 South Klein Drive, Waunakee, WI 53597
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  • Homeowners

Business Description

WIA Insurance offers homeowners' insurance coverage to clients in Madison. Its insurance policy covers the tangible assets of homeowners and renters, including personal possessions and liability coverage. The company also offers auto, business, farm, and life insurance. CEO David Dargenio has been in the insurance and business industry for over 23 years. He aims to determine the client's short- and long-term objectives and assist them in their planning needs. WIA Insurance represents various carriers, including Acuity, Progressive, Erie, and Secura.

License Verified:

License: 18667221

Wisconsin office of the Commissioner of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (28)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Wisconsin Financial Services, Inc logo
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License Verified:

License: 8269955

Wisconsin office of the Commissioner of Insurance

Wisconsin Financial Services, Inc

4001 Nakoosa Trl, Ste 103, Madison, WI 53714
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  • Multiple Policy Types
  • Homeowners

Business Description

Wisconsin Financial Services, Inc., is a Madison-based business that assists clients in several areas, including insurance. It provides protection plans for both homeowners and renters, which cover personal property and liability. The company also offers risk management solutions for car and business owners. In addition to insurance, Wisconsin Financial Services helps clients in the areas of income tax preparation, IRS tax resolutions, and credit repair and education. The family-operated business has been in service since 2008.

License Verified:

License: 8269955

Wisconsin office of the Commissioner of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Facebook
4.8 / 5 (22)
Google
4.0 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Back to Providers

Frequently Asked Questions

Introduction

Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.

What determines the price of homeowners insurance premium?

The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

Read all FAQs