Osceola, Webster & Barron County, WI Insurance services

Posted on: February 27th, 2017

Insurance for peace of mind

One of the most important things we look for when it comes to insurance is peace of mind. Peace of mind knowing you will get paid out if x or y happens. Unfortunately, you may have insurance but that does not mean you will get paid out if x or y happens. It all depends on your policy and what x and y really means. If you want the kind of insurance that gives you peace of mind, then you need to get insurance from a local independent agent or broker.

Community Insurance is a local get serving the communities and businesses of Barron County, Danbury WI, Luck WI, St Croix Flass and Webster WI. They take the time to understand your circumstances, your risks and your requirements and they then match best value insurance to cover your risks. The last thing you want or need is to file an insurance claim only to find out that the specific event that led to your claim is not covered. They can help you with all your insurance needs, be it personal insurance or commercial insurance.


To have peace of mind you need to know that you will get paid out when misfortune knocks on your door. Now no insurance company will cover you for every conceivable event. It is unlikely you will be covered for anything if there in an alien invasion. It probably won’t matter then anyway. The take away is that you want to be covered for your real risks. There is no point in having flood insurance if there has never been a flood in your area and it is unlikely that there ever will be.  However, if you live in a high or moderate risk area you definitely want flood insurance.


That brings us back to x and y. If you have a homeowner’s policy, you will be covered for fire. Lets call that event x. However, if event y is a flood, you will not be covered. That is because standard home insurance does not include flood insurance – in fact it specifically excludes flood insurance.


Knowing what you are covered for your real risks is what gives you peace of mind.



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