The John Wickhem Agency has been providing quality Homeowners insurance solutions since 1985 to our clients throughout Southern Wisconsin and Northern Illinois. Our Homeowners insurance policies provide our clients with the peace of mind from knowing their homes \u2013 often the largest investment anyone makes – are protected. <\/p>\r\n
As a Trusted Choice Independent Insurance Agent, we are free to work with our own carefully selected group of financially sound, reputable Homeowner\u2019s insurance companies to find the right products at the best price point for your needs. <\/p>\r\n\r\n[\/et_pb_text][et_pb_button admin_label=”contact us” button_url=”https:\/\/www.wickheminsurance.com\/contact\/” button_text=”CONTACT US” button_alignment=”center” _builder_version=”3.15″ custom_button=”on” button_text_size=”24″ button_text_color=”#ffffff” button_bg_color=”#005cb9″ button_border_width=”0″ button_border_radius=”0″ button_font=”Questrial||||||||” custom_margin=”60px|||” custom_padding=”5px|40px|5px|40px” \/][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section bb_built=”1″ _builder_version=”3.15″ background_color=”#dbdbdb” custom_padding=”27px|0px|3px|0px|false|false” prev_background_color=”#ffffff” next_background_color=”#ffffff”][et_pb_row _builder_version=”3.0.48″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″][et_pb_text admin_label=” UNDERSTANDING HOMEOWNERS INSURANCE” module_class=”established” _builder_version=”3.15″ text_font=”Questrial||||||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”30px” header_2_font=”Questrial||||||||” header_2_text_align=”left” header_2_text_color=”#000000″ header_2_font_size=”30px”]\r\n\r\n
A Homeowners insurance policy combines coverage for multiple things: <\/p>\r\n
A Homeowners policy is usually adequate to meet the needs of most people. However, as with any type of insurance, it pays to work with a professional at The John Wickhem Agency who will take the time to evaluate your situation in detail initially, then periodically review your coverage to address anything that may have changed. For example, you may need to purchase additional or specialized insurance to cover items of high value that you acquire, such as: <\/p>\r\n
FLOOD INSURANCE <\/p>\r\n
Another circumstance that you may need to consider is the risk of flooding. Homeowners insurance policies do not cover damage or loss from a flood. If you live near a stream, river, lake, or other natural flood zone, you may be required to have a flood insurance policy. <\/p>\r\n
UMBRELLA LIABILITY COVERAGE <\/p>\r\n
You\u2019ve bought or built your dream home. Let The John Wickhem Agency make sure it doesn\u2019t turn into a nightmare. Your risk of personal financial loss can increase if you have certain things, such as: <\/p>\r\n
These can increase your risk of a lawsuit if someone is injured at your home or on your boat. All insurance policies have coverage limits. If you\u2019re sued by someone, your liability could exceed those limits. If that happens, you\u2019re personally responsible for anything over your policy limits. This is where a personal umbrella policy can reduce or eliminate such a risk. <\/p>\r\n\r\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section bb_built=”1″ _builder_version=”3.15″ custom_padding=”0|0px|0|0px|false|false” prev_background_color=”#000000″ next_background_color=”#000000″][et_pb_row make_fullwidth=”on” use_custom_gutter=”on” gutter_width=”1″ custom_padding=”2px|0px|0|0px|false|false” make_equal=”on” background_color_1=”#58585a” background_color_2=”#58585a” module_class_1=”ds-vertical-align ” _builder_version=”3.15″ module_alignment=”center”][et_pb_column type=”1_2″][et_pb_text admin_label=” HOMEOWNERS INSURANCE” module_class=”established heading_insurance” _builder_version=”3.15″ text_font=”Questrial||||||||” text_text_color=”#ffffff” text_font_size=”24px” text_line_height=”34px” header_2_font=”Questrial||||||||” header_2_text_align=”left” header_2_text_color=”#ffffff” header_2_font_size=”36px” header_2_line_height=”50px” custom_padding=”|||33%” custom_padding_last_edited=”on|tablet” custom_padding_tablet=”|||8%”]\r\n\r\n
If you live in a condominium, you may also need to insure any structural additions you make to your living space that isn\u2019t covered by your Association\u2019s insurance policy. Be sure to check with your Association. Condominium owners and renters both would be well-advised to get a policy that will replace their personal property in case of natural disaster, fire, theft, etc.<\/p>\r\n\r\n[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″][et_pb_image src=”https:\/\/www.wickheminsurance.com\/wp-content\/uploads\/2018\/11\/home.jpg” align=”right” _builder_version=”3.15″ \/][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section bb_built=”1″ _builder_version=”3.0.47″ prev_background_color=”#000000″ next_background_color=”#000000″][et_pb_row _builder_version=”3.0.48″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″][et_pb_text admin_label=”WHAT SETS US APART” module_class=”established” _builder_version=”3.15″ text_font=”Questrial||||||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”30px” header_2_font=”Questrial||||||||” header_2_text_align=”left” header_2_text_color=”#000000″ header_2_font_size=”30px”]\r\n\r\n
When you work with one of the professionals at John Wickhem Agency, you can expect to be treated with respect. We \r\nprovide full and fair disclosure of all rates, fees, and contract terms, and we make sure you understand your options.<\/p>\r\n\r\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section bb_built=”1″ _builder_version=”3.15″ background_image=”https:\/\/www.wickheminsurance.com\/wp-content\/uploads\/2018\/11\/footer_bg.png” custom_padding=”66px|0px|63px|0px|false|false” prev_background_color=”#ffffff” disabled=”on” disabled_on=”on|on|on” global_module=”177″][et_pb_row global_parent=”177″ use_custom_width=”on” custom_width_px=”1200px” use_custom_gutter=”on” gutter_width=”1″ _builder_version=”3.15″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″][et_pb_text admin_label=”OFFERING A FULL” global_parent=”177″ module_id=”free” module_class=”young ” _builder_version=”3.15″ text_font=”Questrial||||||||” text_text_color=”#000000″ text_font_size=”24px” text_line_height=”30px” header_letter_spacing=”2px” header_2_font=”Questrial|700|||||||” header_2_text_align=”center” header_2_text_color=”#000000″ header_2_font_size=”30px” text_orientation=”center” custom_margin=”0px||0px|” custom_padding=”0px|||” link_font=”Questrial||||||||” link_text_color=”#000000″ link_font_size=”24px”]\r\n\r\n
Call us today for a free consultation at (608) 752-6030.<\/a> Trust the professionals at the John Wickhem Agency to create a customized insurance plan that addresses all areas of your life and business. We look forward to helping you with all of your insurance needs in southern Wisconsin. <\/p>\r\n