Wisconsin High Risk Homeowners Insurance

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High Risk Homeowners Insurance In Wisconsin

Wisconsin is a U.S. state located in the north-central, Midwest and Great Lakes regions of the country. It is known for its dairy industry—particularly cheese—its lakes and forests, and diverse geography ranging from the Lake Superior shoreline in the north to rolling plains and farmland in the south. Wisconsin's history is rich with indigenous cultures, European colonization, and significant involvement in the dairy and timber industries, which have shaped its economy and culture over the years.

The types of risks that would most likely cause home insurance losses in Wisconsin are largely tied to its geographic and climatic conditions. These include:

Severe Weather Events: Wisconsin experiences a variety of severe weather, including blizzards, tornadoes, severe thunderstorms, and hail. These events can cause significant damage to homes, leading to roof damage, broken windows, and structural issues.

Flooding: Certain areas in Wisconsin are prone to flooding, especially during the spring when snow melts and after heavy rainfalls. Flooding can cause extensive damage to basements, foundations, and home interiors.

Fire: Both urban and rural areas in Wisconsin face fire risks, from household fires to wildfires in more remote, wooded areas.

Cold Weather and Snow: The harsh winter conditions can lead to frozen pipes, ice dams on roofs, and damage from the weight of heavy snow.

Specific examples of some of the largest events in Wisconsin that have led to a large volume of home insurance claims include:

The 2008 Wisconsin Floods: Heavy rains in June 2008 caused severe flooding across southern Wisconsin, leading to significant home damage and a large number of insurance claims.

The 2011 Groundhog Day Blizzard: This massive winter storm brought heavy snow, ice, and strong winds, causing widespread property damage and power outages.

The 2010 Wisconsin Tornado Outbreak: In 2010, a series of tornadoes swept through the state, causing extensive damage to homes and leading to numerous insurance claims.

These events highlight the importance of adequate home insurance coverage in Wisconsin to protect against a range of natural disasters and weather-related risks.
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Unable to Obtain Coverage?

Many consumers opt to allow their mortgage companies to add “force placed” or “lender placed” coverage to their homes. The unfortunate issue is that many times the mortgage companies do not make it clear that typically these policies  do not cover your personal property, loss of use or even your liability. They are typically insurance policies that the consumer pays for, that mostly benefits a bank and not them. It is without a doubt that mortgage forced policies are the lease safe option in the market.

Since FAIR Plans are considered the market of last resort, consumers will be best served when they find an agent with the experience in high risk insurance as well right resources and carriers. Ultimately the end goal is to obtain the right coverage at a competitive price and with the right agent that can be accomplished in almost any situation.
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**The contents of this website are provided for informational purposes only and do not constitute legal or coverage advice or an offer or solicitation for the sale or purchase of insurance. If you submit a request for a quote you will be contacted by a licensed agent who can discuss coverage options with you. Consumers are urged to try to find coverage in the private market and we can help you find an agent that can help you find alternatives to the FAIR Plan and other high risk plans. This website is no way affiliated with or sponsored or endorsed by any federal, state or local governmental agency or state fair plan. Insurance coverage not available in all states. **
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