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Wisconsin Home Insurance
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Whether you own a house, condominium or
townhouse, for most people their home is their most important investment. Radtke-Rhone Insurance Agency offers northeastern Wisconsin home insurance policies that have flexibility to meet your individual needs and above all, provide you with the security that comes only from the knowledge that your home is safe. |
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Insurance for your home is one of the most popular
and important forms of personal insurance and the typical Wisconsin home insurance policy has two main sections: |
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Section I - insurance coverage for your property
Section II - personal liability coverage (to cover you
in case of lawsuits arising from things that happen on your property) |
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Wisconsin home insurance is often required by
lenders to obtain a mortgage and nearly everyone, whether you own or lease property, should have the protection of home insurance. |
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Wisconsin Home Insurance Policy FAQ
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Click on the link below to fill out a secure quote request
form for a Wisconsin Home Insurance policy that will provide excellent insurance coverage at an affordable cost. Or you can speak with our Wisconsin Home Insurance agent specialist at (920) 982-3048 to discuss the policy features in more detail. |
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Covered losses under a Wisconsin home insurance policy can be paid on either
a replacement cost basis or on an actual cash value basis. When "actual cash value" is used, the policy owner is entitled to the depreciated value of the damaged property. Therefore, the older the item is, the less money you may receive for it. If you choose the "replacement cost" coverage, the Wisconsin home insurance policy will reinburse the amount it costs to replace the property with something of a similar type and quality at current prices. |
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Wisconsin Home Insurance Policy FAQ
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An "All Risks" policy provides the broadest Wisconsin home insurance
protection because it will cover losses that are due to any peril except those specifically excluded in the policy. A "Named Perils" policy covers losses that are due to only those perils listed in the standard Wisconsin Home Insurance policy and typically include fire, hail, windstorm, and other physical losses. |
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Wisconsin Home Insurance Policy FAQ
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If your policy limit is less than 80% of the replacement cost of your home, you
will face a "coinsurance penalty," which means you'll have out-of-pocket expenses to cover costs beyond the policy deductible you chose. For example purposes we will assume your home's estimated replacement value (RCV) is $100,000. The co-insurance clause requires you carry at least $80,000 (80% of your RCV). If you chose to purchase only a $40,000 Wisconsin Home Insurance policy you would be underinsured by half. Therefore, in the example the insurance company would pay one-half of a loss less the policy deductible, so if you suffered a $10,000 covered loss to your house, condominium or townhouse and had a $500 deductible, your policy would only pay $4,500. |
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Wisconsin Home Insurance Policy FAQ
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Personal liability in a Wisconsin home insurance policy is also an important
part of having security from accidents that may occur on your property. We suggest you choose coverage limits that are not less than those on other liability insurance you own, such as car insurance. |
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Wisconsin Home Insurance Policy FAQ
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Click on the link below to fill out a secure quote request form for a Wisconsin
Home Insurance policy that will provide excellent insurance coverage at an affordable cost. Or you can speak with our Wisconsin Home Insurance agent specialist at (920) 982-3048 to discuss the policy features. |
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We are a local Waupaca and Outagamie County insurance agency, offering
affordable Wisconsin home insurance policy premiums to residents of the following cities and counties: New London, Appleton, Waupaca, Northport, Weyauwega, Shiocton, Manawa, Bear Creek, Hortonville, Fremont, Medina, Mackville, Greenville, Larsen, Winchester, Zittau, Neenah, Menasha, Kimberly, Holland, Kaukauna, Wrightstown, Little Chute, Freedom, Black Creek, Oneida, Howard, Allouez, Ashwaubenon, De Pere, Bellevue, Anston, Flintville, Pulaski, Suamico, Sobieski, Angelica, Zachow, Sampson, Shawano, Bonduel, Krakow, Seymour, Nichols, Navarino, Belle Plaine, Embarrass, Pella, Caroline, Leopolis, Marion, Clintonville, Split Rock, Thornton, Tigerton, Big Falls, Symco, Royalton, Ogdensburg, King, Scandinavia, Iola, Amherst, Tustin, West Bloomfield, Pine River, Berlin, Plover, Stevens Point, Winnebago, Oshkosh, Winneconne, Borth, Omro, Sheboygan, Manitowoc, Fond du Lac, Wausau, Shawano County, Winnebago County, Calumet County, and Waushara County, WI. |
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Replacement Cost or Actual Cash Value
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All Risks or Named Perils
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Coinsurance Penalty
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Personal Liability
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**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your insurance needs should be discussed with a licensed insurance agent. |
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Radtke-Rhone Insurance Agency, Inc.
Copyright 2006-2010 All rights reserved
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Personal Insurance
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Answer a few questions and
we will provide you with a quote by email or phone. Choose the Wisconsin insurance coverage you're interested in from the menu above. |
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Radtke-Rhone
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Insurance Agency, Inc.
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Home Insurance
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Radtke-Rhone
Insurance Agency, Inc.
P.O. Box 210
315 River Place
New London, WI 54961
Waupaca County, Wisconsin
(920) 982-3048
Toll Free: (800) 371-3048
Fax: (920) 982-2584
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Toll Free
(800) 371-3048
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Life & Health Insurance
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Wisconsin Home Insurance
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