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Home Insurance in La Crosse, WI

La Crosse, WI House with American Flag

Why Do I Need Home Insurance?

Unexpected things happen, whether it’s accidental damage or disaster, it’s best to be prepared, that is what we do best. We protect homeowners, inform them as to what may be in their best interest, and help them to navigate the complexities of home insurance.

Insurance coverage options include everything from fire damage to injuries and theft. But not everything will be covered under a standard home insurance policy, which is why it is important to consult with a trusted and knowledgeable local home insurance provider.

Fill out the form above for a no-obligation free insurance quote and we will get the process started of protecting you and your home.

You reach out, and we’ll be in touch, it’s that easy. And we’re happy to help you navigate the complexities of home insurance.

The Benefits of a Local Home Insurance Provider

At Preferred Insurance Agency we know much work you’ve put in to turn your house into a home. When you work with a local insurance provider like La Crosse, WI based, Preferred Insurance Agency, you get treated like a real person, not just another person waiting in queue to be sold a product.

Our five-star reputation is built on impeccable customer service, meaning we will be right there with you to help you make the best decisions when it comes to protecting everything you’ve worked so hard for.

We are readily available to help you at any time, if you have questions or concerns, call us and talk to a real person right away or if you like we invite you into our office and we can provide you with assistance in person.

You can also visit the Home Insurance Frequently Asked Questions at the bottom of this page for some quick answers to some common questions our clients have.

Protecting Your Home and Everything In It

Our 5 Star Local Reputation was built on not only building trust and positive relationships with our clients, but also on providing Home insurance that is both flexible and affordable.

We work with you to advise you as to what the best options are when it comes to protecting your home and everything in it, and determine which coverage options are best suited for you.

Our team is dedicated to finding the best solution that will give you security and peace of mind when it comes to protecting you and your family.

Home Insurance Coverage Options

There are numerous coverage options associated with home insurance, including coverage for your property and liability insurance. Make sure to inform yourself about all possible coverage options to ensure you don’t leave yourself vulnerable to negative financial impact.

Here are a few examples of insurance coverage options:


Dwelling coverage will cover the cost of any claims associated with the dwelling itself, not including property within.

Other Structures

You will want coverage for any other structures on your property such as a garage or gazebo, etc.

Personal Property

Personal property coverage is the amount of coverage associated with the loss of personal property due to burglary or damage.

Loss Of Use

Loss of use is a part of every standard insurance policy and covers expenses incurred upon the condition that you lose the ability to use your home. These expenses may include transportation-related costs and hotel costs, and groceries during the time that your home is being repaired or rebuilt.

Comprehensive Personal Liability

Personal liability covers you against claims from accidents or injury to others on the property you own or rent.

Flood Insurance

Covers your home and property in case of water damage due to flooding.

About La Crosse

La Crosse, WI is a small city of 60,000 residents located on the Mississippi River, featuring beautiful homes lining Cass Street, and a bustling area of businesses and restaurants in downtown La Crosse. Parks include Pettibone Park located on Barron Island in the Mississippi, Riverside Park across from Pettibone Beach, also on the Mississippi, and Myrick Park on La Crosse Street.

Popular outdoor activities include hiking on Granddad’s Bluff hiking on the Hixon Forest Nature Trails.

There are many schools in the area as well as post-xxx education including the University of Wisconsin at La Crosse, Viterbo College, and Western College.

La Crosse is a great place for new homeowners as the city is affordable yet has all of the food options and activities of a growing small city.

About Preferred Insurance Agency

Preferred Insurance Agency is an independent insurance agency based in La Crosse, Wisconsin, offering auto insurance, home insurance, flood insurance, business insurance, and life insurance. We are licensed in Wisconsin, Minnesota, and Iowa.

Our agents are dedicated and pride themselves on providing our customers with excellent customer service. Our reviews speak for themselves regarding our customer service, with us having over 100 5 Star reviews on Google.

Free Home Insurance Quote La Crosse, WI

For a free home insurance quote simply call Preferred Insurance Agency at (608) 881-6566 to speak with one of our insurance agents, visit us in person at 401 King St, La Crosse, Wisconsin 54601, or fill out the form above.

Home Insurance FAQ

Why do I need Home Insurance?

If you have a mortgage loan on your home, home insurance coverage is required by your lender. Home insurance protects your home and assets from unexpected circumstances that may incur property damage or loss.

Who Should Have Home Insurance?

Everyone who owns a home should be protected by an adequate home insurance policy.

How Much Home Insurance do I need?

We recommend enough insurance coverage to cover the cost of replacing your house. Sometimes called “RCV,” the replacement cost for home insurance is the amount of money it would take to replace your damaged or destroyed home with the exact same or a similar home in today’s market. Some home insurance policies and endorsements also cover the replacement cost of personal property.

How Much Does Home Insurance Cost?

There are many factors that determine the cost of home insurance including the credit status, year the house was built, square footage of the home, and roof type to name a few.

In La Crosse, WI the average home insurance policy costs between $400 to $1600 per month.

How can I save money on home insurance?

You can save money and acquire affordable home insurance by working with an independent insurance agency that can shop your home insurance with multiple carriers. Always notify your insurance agent if you have any updates on the house such as new roof, furnace, remodeling, etc. and they may be able to save you money on your insurance policy.

Does Home Insurance automatically cover all of my belongings?

If you were to take your home, turn it upside down and shake everything out, that would be your personal property.

Personal property is covered by your home insurance based on either actual cash value or replacement cost based on your insurance policy. We recommend replacement costs to our clients.

Does Home Insurance Protect Against Weather and Natural Disasters?

Yes, home insurance does protect against natural disasters. Unforeseen damages caused by wind, hail, fire, and earthquake are all included as part of your home insurance policy.

Is Fire Insurance Automatically Included?

Yes, when you insure with Preferred Insurance Agency fire is included in your home insurance coverage.