Burstad Insurance

Guarding Your Future - Maintaining Your Trust

New Richmond Insurance Agency
Menomonie
Medford
New Richmond
River Falls
Chippewa Falls

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        • Staff
        • 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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        • For years people have relied on the opinion of others when shopping for a product or service. That is especially true today.

          Online reviews are fast becoming an important part of many businesses, including our own. Take a moment to read a few of the kind words our customers have had to say about our agency.

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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@burstadinsurance.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: 715-425-6341
          Email: info@burstadinsurance.com

  • Locations
    • Menomonie
    • Chippewa Falls
    • River Falls
    • Medford
    • New Richmond
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        • Get a Quote!
        • 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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        • Do you have a friend or relative that is looking for a change? We'd certainly appreciate the opportunity to earn their business. Just fill out the referral form by following the link below to introduce them to Burstad Insurance.

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        • Do you have a change that you need made to your policy? You are in the right place. Whether you just bought a new car, or need to change coverage on your home or business, visit our Customer Service page and we'll take care of you.

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Renters Insurance

Renters insurance is coverage that protects your belongings against theft and damage due to covered events. It can also protect you and the members of your household against claims of negligence. Many Central and Western Wisconsin landlords require renters insurance in terms of their lease agreements, but the coverage remains optional in many places. Without the right coverage, however, you could face tens or even hundreds of thousands of dollars in losses out of your own pocket, whether from current savings or future income. To find comprehensive renters protection at affordable, competitive prices, contact Burstad Insurance to speak with an independent agent.

Why Renters Need Insurance

As a renter, you do not own the property you live on and therefore may not be responsible for rebuilding or repairing it due to damages from natural disasters or other events for which you are not liable. Instead, these types of damages are likely covered by your landlord’s insurance policy. However, you still face financial risks, as the landlord’s policy likely excludes the things inside your apartment or rented home. If a fire claims your building, renters insurance helps you start over again by compensating you for the loss of your personal property. This can include your:

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  • Washer and dryer
  • Rugs
  • Furniture
  • Clothes, shoes, and accessories
  • Silverware
  • Coffeemaker
  • TV, game consoles, and surround sound audio system
  • Computers
  • Sports equipment
  • Picture frames, wall décor, candles, vases, and other decorative items
  • And much more

Could you afford to replace these items out-of-pocket? With renters insurance, you can minimize your costs and receive compensation for your physical losses after a covered event.

Types of Wisconsin Renters Insurance Coverage

The specificities of your coverage will be outlined in your policy and may vary depending on your insurer and the level of coverage you select. However, a typical renters insurance policy may include protection for:

Personal Property

This is the section of your policy that outlines protection for the things you own, whether you keep them in your home or take them elsewhere, such as in your car or luggage. You can choose to insure your items for their actual cash value, which reimburses you based on the depreciated value of your items, or you can opt for replacement value coverage, which compensates you based on the cost to purchase brand new replacement items.

Your coverage may cover all losses except those explicitly excluded, or it may extend only to specific loss events named in your policy. These may include:

  • Fire
  • Smoke
  • Explosion
  • Wind
  • Hail
  • Theft
  • Vandalism
  • And more

Losses caused by water discharge, earthquakes, and floods may be excluded, but it may be possible to purchase an endorsement or stand-alone coverage that protects your belongings against these types of events.

We recommend taking inventory of your home and consulting with your independent agent when choosing limits for your personal belongings coverage. We can help you choose your overall coverage limit and also help you determine if additional scheduled coverage may be necessary for expensive items like jewelry, which may be subject to additional standard limitations in your policy.

Request a Free, No-Obligation Quote!

Note that personal property claims are usually subject to a deductible, which is the amount you will pay toward the cost of a claim. Low deductibles are available and can minimize your financial burden after a loss. However, you may prefer a high deductible if you wish to reduce the cost of your renters insurance premiums without sacrificing the quality of your coverage.

Relocation Coverage

Fires, natural disasters, and other events can devastate the structure of an apartment building or rental property. If your home is suddenly made uninhabitable due to a covered event, your renters insurance can help cover the cost of taking temporary shelter until you can return home or relocate.

Liability Coverage

Liability is a potential risk for everyone, whether you rent or own the place you call home. Whether your dog bites someone at your housewarming party, a candle in your apartment starts a fire, or your flowerpot falls off your balcony and onto a passerby below, you could be sued for third-party injuries and loss. Renters liability insurance is designed to cover victim medical bills, property damages, your legal defense costs if you are sued, and any judgments or out-of-court settlements you are responsible for.

Note that any claims against your liability coverage are subject to the limits you choose for your policy. You may still be responsible for paying damages that exceed that amount, even if that means withdrawing from your savings or facing wage garnishment. Talk with your independent agent to determine how much could be at stake in a lawsuit and how to choose liability coverage and limits that better protect you against loss.

Affordable Renters Insurance in Central and Western Wisconsin

If you are an existing renter or planning to lease in Central or Western Wisconsin, we invite you to partner with an independent agent at Burstad Insurance for help finding coverage that fits your needs. As an independent agency, we can shop and compare rates on quality coverage from several of the state’s insurers. We can also search for money-saving discounts that could reduce your insurance costs. Though discounts vary by company, you may qualify for savings if you:

  • Purchase renters and auto insurance from the same carrier
  • Install a monitored security system in your home
  • Enroll in automatic renewal/payments
  • And more

We are available to answer your questions and help you get the most value from your coverage. Contact Burstad Insurance today for more information about Wisconsin renters insurance or to request your free quote. We look forward to serving you soon.

Get a Quote!
Refer a Friend!

Thanks for the Reviews!

Monte and his team could not be more professional. I would recommend them to absolutely anybody and everybody looking for an independent insurance agency!!!
Ruth F.
Ruth F.
19:19 23 Oct 20
I was losing my home insurance with American 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.
UV 7.
UV 7.
00:56 21 Oct 20
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
ride W.
ride W.
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.
Brooklyn S.
Brooklyn S.
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
Monte and his team are top notch. I am happy to work with them. They have been extremely helpful in helping my business get off the ground! I would highly recommend them!
Jeremy M.
Jeremy M.
20:05 16 Apr 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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Five Locations!

Menomonie
Chippewa Falls
Medford
River Falls
New Richmond

Our Hours

Monday - Thursday 8:00 - 5:00
Friday 8:00 - 4:30
Saturday & Sunday
By Appointment

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Our Latest Post!

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How to Find Affordable Auto Insurance

If you live in Wisconsin, finding affordable Auto Insurance is possible. Unfortunately, it isn’t always easy, especially when there are so many variables that affect how much you pay in premiums each month. Some things are within your control, while other things are outside of your control, and navigating the ins and outs of it …Read More

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