Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Racine

Our Recommended Top 4

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Racine Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

48Reviewed

30Curated

4Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4747 Wisconsin 31, Racine, WI 53405

Expertise.com Rating

Review Sources

Facebook
4.0 (16)
Google
5.0 (2)

Why choose this provider?

Sagen & Associates Insurance is a full-service insurance company that has been serving the Racine metro area and nearby communities for more than a decade. Established in 2009, the firm assists individuals and families to obtain financial security for their homes and assets in times of peril through a homeowners insurance policy. Licensed and independent agents at the firm handle all types of coverage options, including the dwelling, personal property, liability exposure, and additional living expenses. The company also provides personal and commercial insurance programs in Brodhead.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

6021 Durand Ave Suite 600, Racine, WI 53406

Expertise.com Rating

Review Sources

Google
4.6 (31)
Facebook
5.0 (8)
Yelp
5.0 (2)

Why choose this provider?

Established in 2008, Compass Insurance Group helps its clients meet their insurance needs through its office in Racine. The independent insurance agency can provide homeowners' insurance options to protect its clients financially against unexpected disasters that can damage or destroy their homes. The homeowners' insurance can also cover personal property or contents, personal injury, personal liability, and loss of use. Additionally, the insurance can also include miscellaneous coverage that covers other risks in the property, such as a trampoline.

  • Renter's Insurance
  • Personal Property Insurance
  • Condos

Racine, WI

Expertise.com Rating

Review Sources

Google
5.0 (31)
Facebook
5.0 (3)
Yelp
5.0 (2)

Why choose this provider?

Sincerity Insurance Solutions is an insurance agency that serves clients in Racine and throughout its nearby areas. This agency deals with a variety of the nation's top carriers, including Nationwide, Liberty Mutual, and Progressive. Its personal lines include homeowners and renters insurance, as well as auto insurance. Agents work with clients to help them figure out how much coverage to buy, as well as any add-ons they may need on their policies.

  • Multiple Carriers
  • Multiple Policy Types

6905 Washington Avenue, Mount Pleasant, WI 53406

Expertise.com Rating

Why choose this provider?

Jeremy Brown - State Farm Insurance Agent is a firm assisting individuals throughout the greater Racine area with obtaining homeowners insurance policies. Offering complimentary quotes, this agency discusses clients' needs with them and ensures that their policy provides the coverage they desire. For client convenience, its insurance agents are available 24/7. Jeremy Brown - State Farm Insurance Agent has been in the insurance business for over 15 years and is a member of the Hispanic Business Alliance.

  • Multiple Policy Types

FAQs

  • 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.
  • Should Racine residents include their solar panels in their homeowners' insurance policies?

    Yes, Racine residents should include their solar panels in their house insurance coverage. Solar installations are fantastic investments since they can pay for themselves in seven or eight years, resulting in significant savings. Incorporating these into insurance provides additional protection for these vital asset. For exact coverage specifics, homeowners should contact their insurance carriers.

  • What should Racine residents do if they struggle to find homeowners' insurance coverage?

    Racine residents unable to secure coverage from typical insurers can turn to the Wisconsin Insurance Plan (WIP). WIP, backed by all property insurance providers in the state, assists property owners facing coverage challenges. However, WIP's premiums are notably higher than regular insurers. It's advised to view WIP as a last-resort solution and to seek coverage from other companies first.

  • After a burglary incident in Racine, what can residents provide to their insurance company as proof of ownership if they lack sales receipts for stolen items?

    To pursue a claim after a burglary incident in Racine, residents who lack sales receipts for their stolen items can provide the following to their insurance company as proof of ownership:

    • Service agreements
    • Canceled checks
    • Owner's manuals
    • Photographs
    • Credit card statements
    • Videotapes of possessions
    • Warranties
    • Bills Creating an inventory, either with pictures or video recordings of possessions, is a proactive measure that can be beneficial in these instances.
  • How should Racine residents start the homeowners' insurance claim process?

    When beginning the homeowners' insurance claim process in Racine, it's vital for residents to diligently complete the insurer-provided forms. They should capture every crucial detail, especially concerning the damage's scope and nature. Supporting evidence, be it photographs or purchase records, enhances the robustness of the claim. For a hassle-free and timely response, residents should avoid delays and promptly file their claims.

  • How should Racine residents calculate the appropriate coverage amount for their homes?

    Racine homeowner should center their coverage calculations on the home's structure, not its appraisal value. They can start by acquiring a current square foot replacement cost from the local homebuilder's association. The next step is multiplying the home's square footage by this cost. The appraised value often includes land costs, which could constitute up to 50%. In regions susceptible to natural calamities, investing more in a guaranteed replacement policy is advised to counter any labor or material costs surge.

  • 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.

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