Burstad Insurance

Guarding Your Future - Maintaining Your Trust

New Richmond Insurance Agency
Menomonie
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        • When comparing insurance agencies,  The most important thing to consider is the staff that is going to take care of you.

          Our staff of local professionals that take pride in what they do. Whether it be providing advice, taking care of a claim, or servicing your account to accommodate your changing lifestyle.

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        • Burstad Insurance is an independent insurance agency. We represent dozens of top-rated companies, not just one such as Farmers, State Farm, or American Family.

          By representing multiple insurance companies, we can assure our customers the right fit, which includes the right coverage, excellent service, and a great value when it comes to price.

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  • Locations
        • Menomonie
        • 420 Main Street E
          Menomonie, WI 54751
          Phone: 715-235-6479
          Fax: 715-235-8860
          Email: info@burstadinsurance.com

           

        • Medford
        • 1154 W Broadway Ave
          Medford WI 54451
          Phone: 715-748-6262
          Fax: 715-748-4730
          Email: info@burstadinsurance.com

        • New Richmond
        • 1225 N Knowles Ave
          New Richmond, WI 54017
          Phone:  715-246-6988
          Fax: 715-246-6965
          Email: info@nr-ins.com

        • Chippewa Falls
        • 2396 Hallie Road Ste 5
          Chippewa Falls, WI 54729
          Phone: 715-723-0600
          Fax: 715-723-0900
          Email: info@burstadinsurance.com

        • River Falls
        • 215 North 2nd Street
          River Falls, WI 54022
          Phone: 715-425-1382
          Fax: 715-425-0363
          Email: info@burstadinsurance.com

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        • Are you looking for a quote on your personal or business insurance? You are in the right place, just fill out the request form, or call our agency, and we'll be in touch to ask a few questions about your needs, and answer any questions you have.

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Flood Insurance

If it rains where you live, it can flood, too. Due to the high cost of flood damage, homeowners insurance generally excludes water damages caused by rising groundwater. Unless you have an active flood insurance policy in place prior to the flood, you could face tens of thousands of dollars or more in out-of-pocket losses. Here in central and western Wisconsin, the threat of flooding looms nearly year-round, whether due to rain or melting snow. Even a drought can lead to flooding, as the dry ground is unable to absorb the water.

You may not be able to control the elements of weather, but when you partner with an independent agent at Burstad Insurance, you can prepare for the worst with a flood insurance policy designed to protect you when you need it most.

The National Flood Insurance Program (NFIP)

In 1968, the federal government initiated the National Flood Insurance Program to provide financial protection for people who lived in areas deemed a moderate to high risk of flooding. Today, the NFIP is the primary source of flood insurance in the United States, as the potential for costly mass flood damage is too much risk for private insurers to take on. The program is overseen by the Federal Emergency Management Agency (FEMA), which assesses geographical risks and determines the cost of flood insurance premiums per household based on that data.

Types of NFIP Coverage

There are two primary types of coverage available from the National Flood Insurance Program. These include structural damages and personal property damages. The maximum available coverage for structural damages is $250,000. This is the most the NFIP will insure a home for, including the cost to rebuild or repair it. The maximum available coverage for property damages is $100,000. This is the most the NFIP will reimburse to policy-holders for the loss of personal belongings.

If these limits are too low to adequately protect your home and property against flooding, there may be supplemental coverage solutions available on the private market. Talk to an agent here at Burstad Insurance for help determining how much coverage you may need in the event of a flood-related loss.

Disaster Assistance is Not Enough

There are misconceptions about floods and the types of aid available after these types of events. While it is true that FEMA can provide disaster assistance to affected households, the type and amount of assistance available is typically very limited and designed to help with emergency living expenses and cleanup – not the cost of rebuilding a home and replacing its contents. Even then, FEMA assistance is generally only available when there has been a government disaster declaration in the county of an affected home. Without flood insurance, homeowners must absorb the losses out-of-pocket. They can often find federal loans to help with the cost of rebuilding, but they must still be repaid, and usually with interest.

Are You at Risk?

FEMA has a flood map search tool that helps homeowners and renters determine their potential risk of flood damage. The flood zones on the map change from time to time, especially as land development alters the natural flow and accumulation of water.

Some areas have such a high risk of flooding that NFIP flood insurance is required – not optional. In other less risky areas, the coverage may not be required, but you could be gambling with your real estate investment and assets by going without it. Often, people who face major losses in a flood are the ones who claim to have never seen groundwater or flooding in their area before. Occasionally, there are ‘100-year floods’ that cause flooding of epic proportions in both low and high-risk areas, ultimately leaving exorbitant amounts of damages in their wake. In fact, an estimated one in four flood damage claims is made by low and moderate-risk households.

The costs can add up quickly. Even just a couple inches of standing water can cause tens of thousands of dollars in damages. Could you afford to replace your drywall, flooring, baseboards, cabinetry, electronics, furniture, rugs, and other damaged items? What about the cost to clean up and remove mold after the flood? Even if you have never experienced a flood in your area, you may still need flood insurance to protect your home and your belongings against damage or loss.

Request a Free Wisconsin Flood Insurance Quote

So long as you live in a community that participates in the NFIP, you can purchase flood insurance, regardless of your risks. Although you cannot purchase flood insurance directly from FEMA, you can access it through an independent agent at one of our many locations throughout central and western Wisconsin.

We offer flood insurance as stand-alone coverage that is separate from your homeowners or renters policy. We can assess your potential flood risks, as well as help you cover your home and property against other types of water damages, such as from a water and sewer backup or burst pipes.

Whether you need coverage for your home and contents or for your belongings only, we can help you get a quote for the flood protection you need. Keep in mind that most flood insurance policies issued by the NFIP require a 30-day waiting period before coverage becomes active. There may be exceptions if you recently purchased your home or if you were recently notified of a change in your flood risk.

Call us today to find out more about Wisconsin flood insurance and how you can better protect yourself and your household against risk. We look forward to serving you soon.

Get a Quote!
Refer a Friend!
I really appreciate their friendly, prompt and knowledgeable assistance. We have been with them for years, and are consistently happy with their service.
Jeanne R.
Jeanne R.
17:46 14 Dec 22
Valorie provided excellent service and quickly found us the best insurance policy and rates available. Thank you, Burstad Insurance!
Roxanne S.
Roxanne S.
00:39 28 Aug 22
Family and Burstad worked their magic and found insurance even cheaper than what I was paying. They are very responsive when adding or changing things to a policy and they stick up for their customers when a bank may try to manipulate the home insurance for no apparent reason. Well done Burstad. I highly recommend.
Mindy A.
Mindy A.
09:30 24 May 22
Good service they work at finding you the best insurance
Jason W.
Jason W.
19:14 01 May 22
Easy to work with
Dale B.
Dale B.
00:39 08 Apr 22
Good insurance company
Carla O.
Carla O.
18:49 31 Mar 22
Easy to work with and great rates. Sent a lot of friends here. All are happy with it!
Happy Home I.
Happy Home I.
16:05 29 Mar 22
Melissa and her staff have always treated me right! Often finding better rates for me! Thanks
Dave T.
Dave T.
22:06 11 Jan 22
They are very responsive in addressing all of my insurance needs, and I always feel they are doing what's in my best interests.
Kevin J.
Kevin J.
02:40 11 Jan 22
Great place
Peter T.
Peter T.
20:32 10 Oct 21
Monte and his team are great to work with. They were extremely helpful in getting our business up off the ground and getting the needed items to be successful. I would highly recommend them for your business!
Jeremy M.
Jeremy M.
13:57 29 Apr 21
Great to work with!
Denise V.
Denise V.
18:57 12 Mar 21
Everyone here has been very helpful, knowledgeable and friendly! Whenever I contact them, they get back to me quickly and are sure to get me the best rates possible. Thank you! The Baldwins
Dawn B
Dawn B
23:02 30 Jan 21
Have had my insurance for different vehicles and homes for many years, always friendly and am very satisfied.
Randy Chico J.
Randy Chico J.
16:48 25 Aug 20
Great response time, #1 in the area
Joshua E.
Joshua E.
15:50 22 Jul 20
good business and friendly service. highly recommend giving them a call to see what they can do for you.
Dustin W.
Dustin W.
14:51 21 Jul 20
Very responsive all around good business and friendly service. Highly recommend.
Wedam Enterprises L.
Wedam Enterprises L.
14:49 21 Jul 20
Excellent customer serviceKent Elkin goes above and beyondAlso the rest of the staff is very accommodating
Lee B.
Lee B.
23:08 20 Jul 20
Prompt and courteous service. The good people at New Richmond have always replied to my queries and helped solve my problems. Thanks for seven years of good service.
Gordon D.
Gordon D.
18:25 20 Jul 20
They are professional and responsive
Barbara B.
Barbara B.
00:14 11 Jul 20
EXCELLENT customer service!! Missy Kraemer at the Medford office takes care of absolutely everything for me! No worries and best rates to be found. Highly recommend.
Mary Ellen W.
Mary Ellen W.
15:37 12 May 20
EXCELLENT insurance company! I have my personal and business insurance with Monte and have for over 20 years. When we had the tornado in Colfax in 2014, Monte called me and was at my restaurant door within an hour after it hit. Amazing service.... Thank you Monte, Penny and the whole staff at Burstad Insurance.
Rich J.
Rich J.
11:55 16 Apr 20
New Richmond Insurance consistently saves me money on my policies year after year. Excellent customer service with most of my questions answered the same day.
Valerie C.
Valerie C.
01:57 16 Apr 20
great place and nice service
Li K.
Li K.
20:20 15 Apr 20
Great place. Emily is very helpful as well as all the rest of the people I have encountered there.
Stacy C.
Stacy C.
03:06 04 Jan 20
Best prices. Best customer service!
Bill I.
Bill I.
12:49 16 Nov 19
Top notch service. Will recommend to all.
Steven G.
Steven G.
13:19 01 Nov 19
Yes! I want to tell you something. If you need a car insurance - this is the place where you will find the best offer.Have done car insurance for two trucks. The price was so good, even less than I expected.My agent was Angie. I want to say thank you for caring! She is the nicest and kindest person ever!Definitely will return for the nest year insurance
Ana B.
Ana B.
00:39 29 Aug 19
Excellent rates and service. Friendly staff and helped in a timely manner
Jason L.
Jason L.
03:56 13 Jun 19
Neil is awesome!
Alicia B.
Alicia B.
15:05 23 May 19
Very helpful agents and staff. They got me a great deal on homeowners and auto insurance.
John A.
John A.
12:01 12 May 19
I have had policies thru the Agents, at the Menomonie office.Their prompt response, patience, amazing customer service and thoroughness, is the greatest I have ever had with an agency!
Jody L.
Jody L.
01:29 10 Apr 19
This is my insurance agency. I have been treated very well and my premiums are responsible.
Mitzi M.
Mitzi M.
11:25 25 Jan 19
They are the best I have ever used. Any time you need something, they have your back. Never had an issue with the company , and I would recommend Kent Elkin to any one and everyone. Thank you for all your services New Richmond insurance agency. Been with them for 3 years now.
Natasha R.
Natasha R.
04:28 30 Nov 18
Great staff!
Valorie M.
Valorie M.
20:54 13 May 18
I have been a customer for many years and love the personal customer service experience that they provide. I know that when I call, I will get a real live person! I also know that the person I am working with will have an understanding of my history and my policy. Highly recommend! Thanks and keep up the good work!
Brian H.
Brian H.
18:21 21 Sep 17
I have been a customer for a long time and love the personal customer service experience they provide. I can reach out anytime and know that I will get to talk to a real person that has the background on my policy and will be able to help me. Thanks and keep up the good work!
Brian H.
Brian H.
18:13 21 Sep 17
Corey Burstsad Insurance is great!! Neil always goes out of way for his clients, very trustworthy and efficient.
marcy M.
marcy M.
20:19 13 Jan 17
Very friendly and helpful. Got is a great deal and we were refered there by a good friend after not being able to find what we wanted elsewhere. They made the process very easy and didn't mind us popping by last minute to get the details figured out.
Soleil
Soleil
20:52 05 Jun 16
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Chippewa Falls
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Monday - Thursday 8:00 - 5:00
Friday 8:00 - 4:00
Saturday & Sunday
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Why You Should Refer Your Friends and Family to an Independent Insurance Agent

Having the right insurance coverage is important, not just for yourself but also for your friends and loved ones. If you want to protect your family’s future, consider referring them to a trusted insurance agent who can help them find the right coverage. Car insurance is a necessary investment for all drivers. Auto accidents can …Read More

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