FOR THE PLACE YOU CALL HOME
Home coverage with the details in view.
Your home is more than an address. Hess Agency helps Wisconsin homeowners review coverage for the house itself, what's inside it, and the liability questions that come with everyday life.
Three starting points for a home policy
A useful review looks beyond the monthly price to the coverages, limits, deductibles, and exclusions in the policy.
Dwelling
Coverage for the home's structure may help with damage from covered events, subject to policy terms. Ask how the amount of insurance relates to the cost to rebuild.
Personal property
Belongings can add up quickly. Discuss how furniture, electronics, and other possessions are valued, along with any special limits that may apply.
Personal liability
Ask how a policy may respond if someone is injured or their property is damaged and you are found responsible for a covered incident.
Questions worth asking before you choose
Weather and water: Wind and other covered events are not the same as every kind of water damage. Ask about deductibles and options such as water backup; flood coverage is generally a separate conversation.
Life changes: Renovations, a new home office, or valuable belongings can change what you need from a policy. A review can help you see whether current limits still make sense.
Other property types: If you have a condo, rental, manufactured home, or another property type, tell us so we can discuss appropriate options.
How to get started
Tell us where the home is located, what kind of property it is, and whether you are shopping for new coverage or reviewing an existing policy. Riley can follow up to talk through available choices and any information needed for a quote.
Common questions
Does a home policy automatically cover flooding?
Do not assume that it does. Flood coverage is generally separate from a standard homeowners policy. Ask about the specific policy and options available to you.
Should I consider my auto policy at the same time?
It can be useful to review both together so you understand coverage and any eligible multi-policy options. Savings, if available, vary.
Coverage descriptions are general. Availability, terms, limits, exclusions, and eligibility vary by policy; an agent can review the details with you.