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Best Homeowners Insurance Agencies in Milwaukee

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1201 Insurance Services logo
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License Verified:

License: 15085302

Wisconsin office of the Commissioner of Insurance

1201 Insurance Services

2430 South 28th Street, Milwaukee, WI 53215
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  • Condos

Business Description

1201 Insurance Services Inc. consists of English and Spanish-speaking specialists serving the Milwaukee community. The agency offers insurance products, including homes, businesses, and auto. It also handles Mexican auto insurance and SR-22 certification. Founder Maria L. Ramirez has been an independent insurance producer since 2011. With the understanding that insurance can be scary, she builds relationships with clients and understands their specifics needs to provide sound coverages. One customer appreciated Ramirez for being patient in answering questions and for helping find the right coverage.

License Verified:

License: 15085302

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 (31)
Google
5.0 / 5 (12)

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
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Detail
Alianza Insurance Services LLC logo
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Alianza Insurance Services LLC

2059 South Muskego Avenue, Milwaukee, WI 53204
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  • Renter's Insurance

Business Description

Alianza Insurance Services, LLC, serves the locals in the Milwaukee metro and the surrounding areas. The agency provides homeowners' insurance, as well as policies for condos, renters, and rental properties. It also provides protection for various types of vehicles such as motorcycles, whether they are new or used, and businesses. Its commercial insurance lines cover business owners, workers' compensation, and commercial general liability, property, and auto. Alianza Insurance Services is an independent agency staffed by bilingual agents who can accommodate Spanish-speaking 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.
5.0
Google
5.0 / 5 (5)
Facebook
5.0 / 5 (3)

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
Allstar Insurance logo
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Allstar Insurance

8340 W Appleton Ave, Ste 400, Milwaukee, WI 53218
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  • Renter's Insurance
  • Condos
  • Multiple Policy Types
  • Homeowners

Business Description

Allstar Insurance is an independent agency that caters to individuals, families, and businesses in Milwaukee and the surrounding areas. It offers homeowners' insurance policies, which protect properties against fire and storm damage and theft. Its team also customizes commercial insurance solutions, such as group health, general liability, workers' compensation, disability, and business auto insurance. Allstar provides motorcycle, snowmobile, all-terrain vehicle, recreational vehicle, and boat insurance options. Term life and whole life insurance plans are also available.

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 (10)

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
––
American Advantage-TU Agency logo
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License Verified:

License: 3001109546

Wisconsin office of the Commissioner of Insurance

American Advantage-TU Agency

4514 W Forest Home Ave, Milwaukee, WI 53219
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  • Multiple Carriers

Business Description

American Advantage-TU Agency is an insurance firm that serves clients in Milwaukee. Homeowners can get coverage for damage caused by fire and natural disasters. The company's home insurance also provides compensation for vandalism, stolen personal items, and injuries that occur inside the residence. In addition, clients can get policies for condos, vacation homes, and rental properties. Insurance for vehicles like cars, motorcycles, ATVs, and trucks is available. The firm's business insurance plans covers workers' compensation, vehicle fleets, and contractors.

License Verified:

License: 3001109546

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
Facebook
5.0 / 5 (18)
Google
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
American One Insurance Agency LLC logo
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American One Insurance Agency LLC

3920 S 27th St, Milwaukee, WI 53221
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Business Description

American One Insurance Agency LLC serves individuals and families throughout Milwaukee. It provides homeowner insurance to help customers protect themselves financially in case their properties and belongings get damaged due to fire, wind, or theft. Its team members also customize homeowners' policies for special collections, home business occupancies, special art, and jewelry. Other products include personal auto, business, and life insurance. The agency works with companies like Kemper, MetLife, and Liberty Mutual to find the right coverage for its 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.
5.0
Google
5.0 / 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
Bronson Insurance Services LLC logo
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License Verified:

License: 3001220330

Wisconsin office of the Commissioner of Insurance

Bronson Insurance Services LLC

2345 W Ryan Rd, Suite H, Oak Creek, WI 53154
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  • Multiple Policy Types

Business Description

Bronson Insurance Services LLC caters to homeowners in Milwaukee seeking to protect their properties from damaging fires, tornados, or theft. It assists clients by searching for suitable coverage for primary homes, condominiums, and lake cabins. Its agents advise individuals on the products available on the market and help them sign up for features like additional living expenses or actual cash value. Bronson Insurance Services was started in 2002. It represents various carriers, like Erie, Kemper, Progressive, and Hartford.

License Verified:

License: 3001220330

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.
4.1
Facebook
4.5 / 5 (57)

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
Diana Kostal logo
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License Verified:

License: 6499173

Wisconsin office of the Commissioner of Insurance

Diana Kostal

1410 E Capitol Drive, Milwaukee, WI 53211
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  • Homeowners

Business Description

Diana Kostal is a State Farm insurance agent that serves clients across the Milwaukee metro. She offers homeowners' insurance solutions and educates clients on further protection through personal property coverage. Kostal also deals with other insurance products, including auto, life, and health insurance. Business owners can opt for specific policies like builders' risk, commercial auto, and worker's compensation insurance. Kostal has over 30 years of experience in the insurance industry.

License Verified:

License: 6499173

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.
3.8
Google
4.2 / 5 (34)
Yelp
2.0 / 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
Gramoll & Associates - American Family Insurance logo
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Gramoll & Associates - American Family Insurance

4484 N Oakland Ave, Shorewood, WI 53211
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  • Renter's Insurance
  • Condos
  • Earthquake
  • Fire
  • Flood
  • Homeowners

Business Description

Founded in 1994, Gramoll & Associates is a locally owned and operated independent insurance agency located in Shorewood, Wisconsin, and also serving customers in Arizona, Illinois, Iowa, Minnesota, and Utah. The team has eight licensed associates with a combined 60 years of experience in the insurance industry. Gramoll & Associates provides customized home coverage, and the policies cover dwellings, detached structures, personal belongings, temporary living expenses, and personal liability. Added coverage is available for equipment breakdown, water backup, and siding protection. The agency also offers life, auto, and business insurance services.

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 (302)
Facebook
5.0 / 5 (108)

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
Insurance Innovations logo
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Insurance Innovations

1245 Cheyenne Ave Ste 102, Grafton, WI 53024
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  • Multiple Policy Types

Business Description

Insurance Innovations is a team of independent agents serving the Milwaukee area. They offer a number of products, including home insurance. The risk management specialists furnish plans that reimburse expenses to repair and replace damaged attached and unattached structures in cases of fire, wind, or fallen trees. They also provide policies that cover additional living expenses. Progressive, Kemper, and Travelers are some of Insurance Innovations' partner carriers. It was established in 2012 by Tim Chopp, who has more than 35 years of experience.

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
4.9 / 5 (56)
Facebook
4.6 / 5 (32)

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
Jeff Van Dam - American Family Insurance logo
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Jeff Van Dam - American Family Insurance

13620 W Capitol Dr Ste F, Brookfield, WI 53005
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  • Earthquake
  • Fire
  • Flood
  • Personal Property Insurance
  • Homeowners

Business Description

With more than 20 years working in the insurance industry, Jeff Van Dam founded American Family Insurance in 2013. The independent agency serves individuals and businesses in Milwaukee, Wisconsin, and the surrounding area. One area of specialization is homeowners insurance. American Family Insurance works with multiple carriers to provide homeowners with a customized package designed to fit the individual's needs. Coverage protects the dwelling and everything in it from events such as theft, vandalism, fire, floods, tornadoes, ice, snow, and falling items. It also includes other's personal injury or property damage while on or as a result of the insured's property.

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 (27)
Google
4.9 / 5 (17)

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
KK Premier Insurance Agency, LLC logo
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KK Premier Insurance Agency, LLC

4136 N Main St, Racine, WI 53402
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  • Homeowners Insurance
  • Rental Dwelling
  • Renter's Insurance

Business Description

KK Premier Insurance Agency, LLC, offers risk management solutions to homeowners in Milwaukee. These policies guard against theft, damage, and loss due to severe weather conditions. These also include coverage for injuries suffered by visitors and umbrella plans that extend to contingencies involving vehicles and legal expenses. The company's other products are individual life, homeowners insurance, and rental dwelling. KK Premier Insurance is an independent firm that has clients ranging from business owners to employees.

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 (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
Lakeshore Insurance Agency Inc logo
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License Verified:

License: 372960

Wisconsin office of the Commissioner of Insurance

Lakeshore Insurance Agency Inc

2820 W Ryan Rd., Franklin, WI 53132
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Business Description

Lakeshore Insurance Agency Inc. is an independently owned and operated firm that caters to individuals, families, and businesses in the Milwaukee metro and the surrounding areas. It offers homeowners' insurance policies, helping clients protect their properties and personal belongings from damage and accidents. It also provides auto, health, life, professional liability, recreational vehicle, and workers' compensation insurance plans. Lakeshore Insurance Agency has been in operation since 1996. It is a member of the Professional Insurance Agents.

License Verified:

License: 372960

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 (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
Long & Company, Inc. logo
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License Verified:

License: 7558170

Wisconsin office of the Commissioner of Insurance

Long & Company, Inc.

137 S Cross St, Suite 1A, Oconomowoc, WI 53066
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  • Fire

Business Description

Long & Company, Inc., addresses the insurance needs of individuals and families in Milwaukee and nearby areas. It offers a wide selection of personal protection products, helping clients obtain homeowners' insurance. The independent company furnishes liability, personal belongings, and additional living expense coverage plans. Its agents also process renters', auto, motorcycle, flood, and condominium insurance. They work with various carriers, including West Bend, Travelers, Progressive, and Liberty Mutual. Long & Company has been in operation for eight years.

License Verified:

License: 7558170

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
4.5 / 5 (57)

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
MKE Insurance logo
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MKE Insurance

PO Box 428, Muskego, WI 53150
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  • Personal Property Insurance

Business Description

MKE Insurance is an online Erie Insurance agency that can be reached via online client center, phone, or email. It offers various personal and business products that include homeowners', auto, and life insurance. The agency provides customizable homeowners' insurance that financially protects policyholders from property damage caused by fire or flood and cover collectible cars, wine collections, jewelry, and fine arts collections. MKE Insurance serves clients in and around Milwaukee and those in Illinois.

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.
4.2
Google
5.0 / 5 (5)
P & C Insurance Services Inc logo
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License Verified:

License: 100198510

Wisconsin office of the Commissioner of Insurance

P & C Insurance Services Inc

405 N Calhoun Rd, Suite 203, Brookfield, WI 53005
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  • Multiple Carriers
  • Personal Property Insurance

Business Description

P & C Insurance Services Inc is an independent agency that assists the residents of Milwaukee in finding protection packages that suit their circumstances. Its agents compare available homemowners' insurance plans from providers like The Hartford, Erie, Foremost, and Badger Mutual. They help look for suitable coverages for single-family homes, multi-family units, and condominiums. In addition, they guide shoppers who are looking for renters' insurance. Auto, life, health, and senior insurance products are also available.

License Verified:

License: 100198510

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.
4.0
Facebook
4.5 / 5 (57)

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
Potter Agency Insurance Services logo
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License Verified:

License: 100192149

Wisconsin office of the Commissioner of Insurance

Potter Agency Insurance Services

2115 E Clairemont Ave Ste 1, Milwaukee, WI 54701
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  • Multiple Carriers

Business Description

Potter Agency Insurance Services is an independent agency serving individuals, families, and businesses in the Milwaukee area. One of its services is helping customers find the right homeowners' insurance for their needs. Its agents tailor a specific package for clients, providing coverage in case of malicious mischief, accidents, weather impact, or loss of use. Additionally, they offer homeowners protection from financial liability if a person gets injured on their property. Other policies include personal umbrella, automobile, flood, earthquake, and jewelry insurance.

License Verified:

License: 100192149

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 (34)

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
R&R Insurance Services logo
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R&R Insurance Services

N14 W23900 Stone Ridge Drive, Waukesha, WI 53188
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  • Renter's Insurance
  • Condos
  • Earthquake
  • Flood
  • Personal Property Insurance
  • Homeowners

Business Description

Founded in 1975, R & R Insurance Services is an independent insurance agency located in the Milwaukee, Wisconsin, metro area with offices in Waukesha, Appleton, Beaver Dam, Green Bay, and West Bend. Home coverage specialists work with several top-rated national and regional carriers to provide quality protection policies at competitive rates. Common plans cover the dwelling, personal items, temporary living costs, and liability against accidents on the homeowner's property. Additional coverage is available for flood, earthquake, and pet damage. The company also offers insurance for condos, renters, automobiles, and recreational vehicles, such as motorcycles, boats, ATVs, and RVs.

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 (136)
Yelp
5.0 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Shorewest logo
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Shorewest

17450 W. North Ave, Brookfield, WI 53045
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  • Multiple Policy Types

Business Description

Shorewest provides financial security solutions to clients throughout Milwaukee. It has been offering homeowners' insurance, automated home valuation, and home financing services since 1946. The company's coverage selection, from risk and replacement cost of homes and contents to personal liability, allows its independent agents to provide plans that fit its clients. Guided by the values his grandfather instilled, John A. Horning founded the company in his home office under the name Wauwatosa Realty. It has since grown into a multi-office operation with 1,000 sales associates.

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 (100)
Yelp
3.5 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
The House of Insurance logo
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The House of Insurance

7431 West Coldspring Road, Greenfield, WI 53220
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  • Multiple Policy Types

Business Description

The House of Insurance has been serving individuals and families in Milwaukee for over two decades. It provides a personalized homeowers' insurance program that helps clients avoid financial burdens due to unexpected accidents. It also guides clients make informed decisions in selecting proper coverage for their assets. The business provides an added layer of protection to clients living in antique or historic homes. In addition, it helps customers acquire special coverage for their prized possessions such as jewelry collections and fine art collectibles.

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
Google
4.5 / 5 (11)
Facebook
3.5 / 5 (3)
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.
4.0
Responsiveness
Friendliness
Helpfulness
––
Detail
The Insurance Office logo
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The Insurance Office

8831 West Greenfield Avenue, Milwaukee, WI 53214
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  • Multiple Policy Types

Business Description

The Insurance Office is a family-owned and operated business in Milwaukee. It offers a range of insurance products that includes home insurance. Its agents develop insurance plans for homeowners that cover hazards such as theft, vandalism, and fire. Homeowner's liability, dwelling replacement coverage, and property protection are some of the coverages that the insurance professionals can also provide. The team reviews policies from over 40 insurance carriers. Additionally, The Insurance Office also deals with insurance plans for mobile homes and condominiums.

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
Google
4.6 / 5 (58)
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
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.

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