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        • 420 Main Street E
          Menomonie, WI 54751
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          New Richmond, WI 54017
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Home Insurance Comparison Shopping

March 9, 2021 By Monte Burstad

Mature couple shopping for home insurance online

Are you looking for home insurance? Don’t settle on a policy until you’ve done some home insurance comparison shopping.

It can be hard to know whether you’re getting the best deal. If you only look at one option, no matter how good it is, you can’t be sure that it’s the best. That’s why it pays to shop around.

Comparison shopping is especially important when it comes to homeowners insurance. Policies can vary in big ways. You might not think the technical differences matter much – until you have to file a claim. Then you’ll realize how much it matters.

Your homeowners insurance policy protects the most important asset you have: your home. Make sure you have the best homeowners insurance policy possible by engaging in some home insurance comparison shopping.

Wisconsin Homeowners Insurance Policy Differences

If you don’t know much about homeowners insurance – and let’s face it, most people don’t – you might assume that one policy is just as good as another. As long as you have coverage, you’re good. Right?

Wrong.

The differences in home insurance policies are significant, and the small print can have a big impact. Many people make the mistake of just looking at the costs – specifically, the premium and maybe the deductible. While these costs are important, they’re not all that matters. If you ever need to file a claim, you may end up learning this the hard way.

Here are four areas to focus on when comparing home insurance quotes:

  1. Coverage: A standard Wisconsin homeowners insurance policy will typically provide coverage for the home structure, as well as personal belongings, personal liability and additional living expenses. Despite these similarities, there are differences.

First of all, not all perils, or loss causes, are covered. Some policies use a named peril system, meaning that only the perils listed in the policy are covered, while others use an all-peril system, meaning that all perils not listed as excluded are covered. There can also be variations in terms of coverage for other structures on your property, like sheds. Most policies will cover sheds and other structures, but don’t just assume you have coverage.

  1. Limits: If your home is ever destroyed, you’ll need your insurance payout to rebuild, so securing an adequate limit is essential. But there’s more to insurance limits than this. In addition to the main limit that covers your house, you also need to think about the limits for other types of coverage under your policy.

For example, you’ll want to consider what your limits are for things like outdoor structures and personal belongings. There are also separate limits for personal liability, and these limits may be important if you’re ever sued.

For additional living expenses coverage, it’s also important to consider time limits. If your home is damaged or you are forced to evacuate, extended hotel stays can become a major expense, so this coverage is important.

  1. Territory: Homeowners insurance protection can extend beyond your property lines. For example, personal liability coverage may apply to certain events that occur outside of your home. However, there can be limits regarding where you’re covered, so it’s important to know the territory definitions of your home insurance policy. Also, in some cases, belongings might be covered when outside of the home. For example, if your son’s laptop is stolen while he’s living in the dorm, are you covered? Find out before you have to file a claim.
  2. Endorsements: Will your policy cover you if a sewer backup floods your home? What about if your appliances are damaged by a power surge? Will your coverage apply to losses in your home office? Homeowners insurance endorsements can provide the additional coverage you need. There are many different endorsements to choose from and selecting the right ones can make the difference between ho-hum coverage and coverage that really has your back when you need it.

You don’t want to have to worry about these things when you’re dealing with the aftermath of a fire, storm or theft. Make sure you have the right coverage BEFORE you have to file a claim.

To do this, you need to compare options from the best home insurance companies.

Unfortunately, home insurance comparison shopping isn’t always easy …

The Challenges of Finding the Best Homeowners Insurance

You want the best homeowners insurance from the best homeowners insurance companies. Unfortunately, finding the best home insurance isn’t always straightforward. That’s because the best home insurance company for you might not be the best home insurance company for someone else.

Maybe you need endorsements to cover your Wisconsin home business, or maybe you have expensive art or jewelry and need higher limits on personal belongings. Maybe you have valuable structures other than your house on your property, or maybe you’re worried about having enough personal liability coverage.

Everyone has different insurance needs. This means no one can point to a specific insurance policy and say it’s the best home insurance for everyone.

Another problem arises when insurance companies handle things differently. One insurance carrier may offer home insurance endorsements a la cart, for example, while another may bundle them. These differences can make comparing homeowners insurance options difficult.

How to Get and Compare Home Insurance Quotes

Insurance is a complicated issue, and when it comes to home insurance, the stakes are high. This is not something you want to mess up. That’s why you need expert help.

A lot goes into finding the right home insurance coverage for your needs. You need to consider your options carefully, but getting and comparing homeowners insurance quotes can require time and expertise you don’t have.

An independent agent can get quotes from multiple homeowners insurance companies. This means you don’t have to do the legwork of completing multiple applications with multiple carriers. By working with a single insurance professional, you can get quotes from the best home insurance companies all at once.

An independent agent can also provide invaluable insight and advice, which is important. When it comes to home insurance, there’s a lot that the average person doesn’t know. Something as simple as not realizing you need a specific endorsement could end up costing you thousands out of pocket in the long run.

As independent insurance agents, we understand the ins and outs of home insurance and can help you find the best coverage for your unique situation. Ready to start comparison shopping? We’re ready to help! Contact us today.

Filed Under: Home

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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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Don’t Forget Renters Insurance

To illustrate why one might want to consider renters insurance, we would like to share a short story about a young couple and a recent experience with their apartment. Like most modern couples, this young couple, let’s call them Mike and Mary, got up that morning, had a quick breakfast, and left for work. Shortly …Read More

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