Understanding Roof Coverage in Your Home Insurance: Replacement Cost vs. Actual Cash Value vs. Payment Schedule
Posted: May 16, 2025
At Preferred Insurance Agency here in La Crosse, WI, we often get questions about how home insurance covers roof damage. Not all policies are created equal, and understanding the type of roof coverage you have can make a big difference when it comes time to file a claim. Let’s break down the three main types of roof coverage: Replacement Cost, Actual Cash Value, and Payment...
Slate Siding and Home Insurance: What La Crosse Homeowners Should Know
Posted: May 2, 2025
Slate siding is renowned for its durability, fire resistance, and timeless aesthetic appeal. For homeowners in La Crosse, Wisconsin, considering slate siding or already owning a home with this feature, understanding how it influences homeowners insurance is crucial. At Preferred Insurance Agency, we're here to guide you through the specifics. 🏠 Benefits of Slate Siding Slate siding offers several advantages: Longevity: Slate can last for...
Understanding Scheduled Personal Property on Your Homeowners Policy
Posted: February 10, 2025
Owning a home is one of the most significant investments you will make in your lifetime. Protecting that investment with a homeowners insurance policy is essential, but did you know that standard homeowners insurance might not fully cover some of your most valuable possessions? This is where scheduled personal property coverage comes in. At Preferred Insurance Agency in La Crosse, WI, we want to ensure...
Tips to Avoid Fires in the Winter for Homeowners
Posted: January 24, 2025
Winter in Wisconsin is a beautiful time of year, but it also brings added risks to homeowners. With heating systems running full blast, fireplaces roaring, and more time spent indoors, the risk of house fires increases significantly during the colder months. At Preferred Insurance Agency in La Crosse, WI, we want to help you protect your home and family. Here are some practical tips to...
Understanding Service Line Coverage: Protecting Your Home from Unexpected Sewer Issues in La Crosse, WI
Posted: January 20, 2025
As a homeowner in La Crosse, WI, you may take pride in your property and the community’s rich history. However, with historic homes and an aging infrastructure, there’s a hidden risk many homeowners overlook: the condition of underground service lines, particularly sewer pipes. The Challenge of Aging Pipes in La Crosse La Crosse’s sewer system, like those in many older cities, faces challenges due to...