Midwest Insurance Group has been in the business of providing excellent homeowner’s insurance for over 20 years. We are proud to protect the homes of the Oconomowoc community.
A good home insurance plan constitutes various elements, such as dwelling insurance and medical payments insurance. Midwest Insurance Group makes it easy to design and manage such a plan by helping you combine all of these elements into a single policy. This way, you can rest assured that all of your home insurance needs are being met in one plan. We also take pride in our excellent customer service. Our agents are experts in answering any questions you might have about your plan, and we are always available to help.
If you are looking for great home insurance at the most competitive rates, look no further. Whether you have made your home in Wren Crest, Whitman Park, Apple Grove Estates, Briarwood, Lake Grove, or any of Oconomowoc’s other lovely neighborhoods, you can count on Midwest Insurance Group to offer fantastic insurance that will match your needs.
At Midwest Insurance Group, we can provide any kind of home insurance you may need or require. You might be wondering what kinds of policies are normally included in a home insurance plan. Below are some of the coverage options that we can assist you in obtaining so that you and your loved ones can feel as secure as possible with your plan.
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Dwelling Coverage
The main component of a home insurance plan is dwelling coverage. Dwelling coverage pays for expenses incurred when your house or primary residence is damaged. So, if your house is damaged in a fire, a storm, a gas explosion, or any of a number of other covered events, your policy would pay for the expenses of repairing the damage.
Other Structures Coverage
Sheds, garages, and other small structures beyond your primary residence are not included in dwelling coverage. However, damage to these structures can be paid for, if they are insured by “other structures” coverage. This kind of coverage might kick in, for example, if a tornado destroys your fence, if your mailbox is accidentally damaged, or if a storm damages the roof of your garage. If you are wondering what types of structures are covered by this insurance, or if you have any other questions about other structure coverage, you can always call MIG. Our knowledgeable agents would be happy to help.
Personal Property Coverage
Homeowner’s insurance is not just for financial protection against structural damage. A good home insurance policy includes personal property coverage as well. This coverage can ensure that you are reimbursed if your furniture, appliances, or other belongings are stolen, destroyed, or damaged in an unfortunate event. Theft, fires, and many natural disasters and accidents are among the causes that would be covered by a personal property policy.
Loss of Use Coverage
Have you ever known anyone whose house required extensive repairs or rebuilding after a fire, a tornado, or another incident? They might have had to live with friends or family for weeks or months until their home repairs were complete. If they had a good loss of use policy included in their home insurance, they may have stayed in a hotel until they were able to return to their home. If you and your family are ever forced to find temporary lodging while your home is being repaired or rebuilt, loss of use coverage can reimburse such expenses as hotel room costs and restaurant bills until your home is ready to move back into.
Liability Coverage
In the event that a passerby slips on a patch of ice before you have had a chance to salt your sidewalk, a good home insurance plan could ensure that you are protected from any medical costs that you would be responsible for. Liability coverage can help pay for medical bills and the costs of property damage when you are legally responsible for the expenses. MIG is prepared to get you the best liability coverage at great rates to incorporate into your home insurance policy.
Medical Payments Coverage
Medical payments coverage can help pay for small medical expenses resulting from sickness or injury that occurs on your property. While liability coverage may take care of a more serious injury or more expensive hospital bills, medical payments coverage can help with lower-risk injuries, such as cuts and ambulance rides. Medical payments coverage can cover medical expenses regardless of who is at fault. Including medical payments coverage in your plan can add value to your policy, as well as peace of mind, for a generally low cost.
Coverage Enhancements
In addition to the coverage types listed above, Midwest Insurance Group can help you add enhanced coverage to your policy. Perhaps you wish to ensure that your grandmother’s extensive collection of fine china and jewelry is covered in the event of misfortune. We offer special floater insurance for jewelry and antiques that could meet your needs. If your home is prone to the nightmare of sewer and drain backup, we can offer special coverage that would specifically protect against that. We can also help you design a policy that includes guaranteed replacement costs. Guaranteed replacement costs can ensure that full expenses are paid if your home repairs exceed the limit covered by your dwelling coverage. MIG insurance agents are happy to speak with you if you are wondering about which coverage enhancements might fit your needs.
Umbrella Insurance
What is umbrella insurance? It is an inexpensive type of insurance that can be added to your plan as an extra layer of protection. If damage or injury expenses exceed the amount covered by your home insurance policy, umbrella insurance can pay for the leftover amount. Many people enjoy the extra security that umbrella insurance provides.
Midwest Insurance Group is here to serve the Oconomowoc community by providing the best homeowner’s insurance at excellent rates. Please feel free to give us a call at 262-646-5777. We are happy to answer any questions you might have about forming or managing your home insurance plan.
Midwest Insurance Group partners with Erie insurance, one of the nation’s leading auto and home insurers, with an A.M. Best rating of A+ (Superior).