Burstad Insurance

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New Richmond Insurance Agency
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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.

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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.

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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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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.

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Refer a Friend!
Excellent
Burstad Insurance
Based on 61 reviews
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Jeremy B.
If I could give 0, I would
Eric C.
Do not do business here. We were mislead about the coverage provided to our business by Missy Kraemer. When this came to light, we went to change providers and find adequate coverage. Missy acted extremely unprofessional and refused to send us the documents we needed! She said it wasn't her job to help us. A terrible experience with a rude, unprofessional person. Do yourself a favor and find literally any other insurance provider.
Sam C.
After waiting a week for someone to get back to me about my request for quotes, they sent me an email saying “We can’t find you coverage because you have a pitbull mix dog. Sorry.” Which doesn’t make sense because somehow I currently have insurance and I’ve gotten 3 quotes on my own now that will all cover my dog. Complete waste of time.
Jr S.
Such nice people I love the insurance rates so amazing.
carrie M.
Thanks for your always friendly and fast service! I appreciate what you do!
Kathleen T.
Bursted has had my business for years. When I lived in town, I appreciated stopping in to get quotes so I could talk to the owner about business and community. The staff is helpful and friendly, and I appreciate how patient they are when answering my questions about insurance. Insurance is not my favorite adult chore to tackle, but everyone at Burstad makes me feel like I’m connected to a human that knows how to explain what will serve my needs. They’re also a brokerage and have the ability to check multiple providers at once for you! Yay!!!
Nick E.
Great customer service and caring staff.
Tammy T
We too had a horrible experience with Doug! Unfortunately we had to find out the hard way when we had a small fire/smoke damage in our office space. Not only were we under insured, we were overcharged on our commercial policy for years!!!!! He and the owner of this agency were absolutely zero help when it came to dealing with this claim, the tenants insurance company and the insurance adjuster that would never return our calls, it was a complete NIGHTMARE! We were all on our own and we feel that once this happened, they knew that our agent screwed up when it came to this policy that he put together or lack there of and thought if they would just ignore us we would walk away. Not only did we walk away, we ran!! Had 3 other agents review it and could not believe how much we were under insured and several gaps in the policy that were missing, like loss of income, loss assessment coverage, just to name a few, things that are no brainers when it comes to commercial insurance. The only good that came out of this entire experience is that we learned alot about insurance and now have a very competent agent that physically went to all our properties, took pictures and sat down with us, at our home and a 3 page checklist to see what we needed or didn't need for our insurance needs. He even pointed out that our agent had our rate almost 3 times higher than it should have been, meaning we were getting ripped off, big time!!! We would have filed a complaint with the insurance commissioner of WI but reviews said not to waste your time, they wont do anything. Now we have double the coverage for our properties for HALF of what we were spending with this agency. Oh and our home and auto policy was lacking as well but was also reviewed and now has the proper coverage for our needs. Our advice, go somewhere else for your insurance so this doesn't happen to you!! This agency doesn't even deserve 1 star!
Jeanne R.
I really appreciate their friendly, prompt and knowledgeable assistance. We have been with them for years, and are consistently happy with their service.
Sephonia T. C.
This insurance company allows its employees to be racist. Doug treated me as if someone had a gun to his head every time he dealt with me. During a conversation I overheard him call me the “N” word and say how he wish he didn’t have to deal with my kind. The new management didn’t care how I was being treated so I switched insurance agents all together. Furthermore, I have asked numerous times for them to STOP harassing me by sending me emails and mailings but they have refused. I unsubscribed 4 times from their emails but the emails keep coming 2 years later. I’ve made numerous phone calls asking them to remove me from their lists but that hasn’t happened yet either!!!. My next step is to file an official report of Harrassment with the state of Wisconsin. I wouldn’t use this company to insure bubblegum lil less a boat, car or your home. I’d give them a zero rating if I could. There’s no place for racism in this world.
Roxanne S.
Valorie provided excellent service and quickly found us the best insurance policy and rates available. Thank you, Burstad Insurance!
Mindy A.
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.
Jason W.
Good service they work at finding you the best insurance
Dale B.
Easy to work with
Carla O.
Good insurance company
Happy Home I.
Easy to work with and great rates. Sent a lot of friends here. All are happy with it!
Dave T.
Melissa and her staff have always treated me right! Often finding better rates for me! Thanks
Peter T.
Great place
Jeremy M.
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!
Denise V.
Great to work with!
Dawn B
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
Kelly S.
I'm giving them 3 stars only because I was insured by them for 11 years..I changed insurance providers when my daughter got her license. they automatically put her on my insurance policy as a first time driver weather she was now driving or not but just because she was a licensed driver in my household. $287.00 jump from the $64.00 what I was paying for myself was crazy. Yes I called them and tried to dispute this but they refused to remove my daughter and started taking payments out of my account... so I was done with them ,cancelled my insurance policy, and got a better insurance that same day for half the cost plus I now have better coverage.
Isaac F.
I visited this office for a quote. During a pandemic, no one was wearing a mask or distancing. For a company preaching safety and preparedness it seemed strange. I turned around and left when I overheard an employee, who I assumed was an office lead, espousing her religious beliefs were going to save her rather than science. Who works in insurance with an attitude like that?
Response from the owner:Isaac, I am so sorry about your experience in our office, although we do not require masks by our staff being that they are all at least 6ft. feet socially distanced, we will always respect the views of our walk in customers. I am sorry that you had a negative experience at our office, but we would love the opportunity to set up a meeting with one of our highly experienced agents. We would make sure that everyone would be masked so that you feel comfortable. Thank you for your feedback.
Drillbit S.
They just want your money, Our agent was quite condescending when he would talk with us we were a new business. Prices were OK, But our agent definitely thought he had a chip on his shoulder.
Joshua E.
Great response time, #1 in the area
Wedam Enterprises L.
Very responsive all around good business and friendly service. Highly recommend.
Lee B.
Excellent customer service
Kent Elkin goes above and beyond
Also the rest of the staff is very accommodating
Barbara B.
They are professional and responsive
Li K.
great place and nice service
S M.
Great place. Emily is very helpful as well as all the rest of the people I have encountered there.
Tamara K.
Didnt respond to my request for a quote.
Bill I.
Best prices. Best customer service!
Steven G.
Top notch service. Will recommend to all.
Ana B.
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
Jason L.
Excellent rates and service. Friendly staff and helped in a timely manner
Alicia B.
Neil is awesome!
John A.
Very helpful agents and staff. They got me a great deal on homeowners and auto insurance.
Jody L.
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!
Valorie M.
Great staff!
Brian H.
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!
Joshua E.
I recently purchased a new vehicle and had Teresa add it to my policy. She told me she added it and i was all set to go. 3 weeks later i find out she did nothing and i had been driving my brand new vehicle around without any insurance coverage. She said on several different occasions that she would email me new quotes, but i never heard back.
marcy M.
Corey Burstsad Insurance is great!! Neil always goes out of way for his clients, very trustworthy and efficient.
Soleil R.
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.
Response from the owner:Hello Soleil, thank you for your review! We strive to provide great service to our community.

Five Locations!

Menomonie
Chippewa Falls
Medford
River Falls
New Richmond

Our Hours

Monday - Thursday 8:00 - 5:00
Friday 8:00 - 4:00
Saturday & Sunday
By Appointment

Proud Member of

IIAW

Our Latest Post!

a wind storm

Reviewing Your Homeowners Coverage Before the Stormy Season

Spring and summer storms can bring more than just wind and rain—they can also bring unexpected damage to your home and property. Whether you live in the Midwest, the Great Plains, or the Southwest, it’s a good idea to check your Homeowners Insurance before storm season begins. Many people don’t think about their policy until …Read More

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