Homeowner & Renters Insurance

Protect your home and belongings with our comprehensive homeowner and renters insurance plans. As your local insurance agency, we understand the unique needs of living in Wisconsin and Minnesota and offer personalized coverage for everything from property damage to personal liability, whether you own a spacious house, rent a cozy apartment, or live in a condo.

Homeowners insurance helps protect you if your home or belongings get damaged and covers you if someone gets hurt on your property or if you accidentally damage someone else’s. Plus, if you’re buying a house, you’ll need it—most mortgage lenders require it to keep their investment safe, and it gives you peace of mind knowing you’re covered.

Home insurance policies range from basic to comprehensive coverage, but availability may vary by state.

Features of a homeowners’ insurance policy:

• Dwelling coverage: Pays to repair or rebuild your home – including electrical wiring, plumbing, and heating and air conditioning – if damaged by a covered cause of loss. It’s important to buy enough dwelling coverage to cover the cost to rebuild.
• Other structures coverage: Pays for damages to detached structures like garages, sheds, fences, and retaining walls on your property.
• Personal property coverage: Reimburses you for the personal items in your home that may be damaged or destroyed by a covered cause of loss, which could include your furniture, clothes, sporting goods, and electronics.
• Loss of use coverage: Pays your additional housing and living expenses if you must move out of your home temporarily while it’s being restored.
• Liability coverage: Helps protect your assets and cover your defense costs in the event of a lawsuit because you or your family members are responsible for causing injuries or damage to other people or their property.

What it may not cover:

While homeowners insurance generally covers damage from perils like fire, windstorms, hail, lightning, theft, and vandalism, it often excludes natural disasters such as floods and earthquakes. It’s important to speak with your agent about these policy exclusions and explore supplemental insurance options for additional protection.

Additional homeowners insurance coverage (optional):

• Backup of Water & Sewer coverage
• Buried Utility lines
• Equipment breakdown
• Extended replacement coverage on dwelling
• Riders for special property—Jewelry, antiques, firearms, collections, fine arts, musical instruments, cameras, etc. Current appraisals or receipts are critical for coverage on these items.

Even if you don’t own a home, you still have a lot at stake. Whether you rent a house, apartment, mobile home or live with someone you should consider a renters insurance policy. After all, your personal belongings, like clothes, furniture, and electronics, have significant value.

Features of a renters insurance policy:

• Personal property coverage: Covers damages to furniture, clothing, and other personal items.
• Personal belongings coverage: Protects your belongings wherever they are inside your rental and elsewhere.
• Liability coverage: Provides protection if someone is injured in your rental or if you accidentally damage another person’s property.

You can also select policy enhancements and add-ons such as valuable items or extra coverage for your belongings for full replacement costs regardless of depreciation.

As a condo owner, your property needs unique protection beyond what’s covered by your condo association’s insurance. A condo insurance policy safeguards your personal belongings and liability, giving you peace of mind. Sharing a copy of your association’s by-laws with your agent will help ensure you have the right coverage for your needs.

Features of a condo insurance policy:

• Personal property coverage: Covers damage to your furniture, clothing, appliances, and other personal items.
• Personal belongings coverage: Safeguards your personal belongings, whether they’re in your condo or on the go.
• Loss assessment coverage: Helps cover your share of common loss assessments made by the condo association.
• Liability protection: Offers financial protection if someone is injured or experiences property damage within your condo.

You can also select policy enhancements and add-ons such as valuable items or extra coverage for your belongings for full replacement costs regardless of depreciation.

Moving Your Insurance Needs Forward

Finding the right homeowners or renters insurance doesn’t have to be complicated. By understanding your coverage options, you can feel secure knowing your home and belongings are protected, whether you’re relaxing at home or away for a weekend. Trust the agents at Forward Insurance to deliver reliable coverage that puts your needs first.