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06/30/2026

Great article! Please contact us to discuss further on deductibles.

Two Deductibles May Apply to Your Homeowners Policy

Most homeowners policies contain:

A standard deductible for everyday covered losses, and
A separate wind and/or hail deductible for certain weather-related claims.
A standard deductible is usually a flat dollar amount. For example:

If your deductible is $1,000 and you have a covered $10,000 loss, you would pay the first $1,000 and the insurance company would pay the remaining covered amount, subject to policy terms and conditions.
However, wind and hail deductibles are often different.

As severe weather season ramps up across much of the country, many homeowners are surprised to learn that not all insurance deductibles work the same way.

11/24/2025

As we head into another Wisconsin winter, it’s a great time to do a quick seasonal check around your home. These simple maintenance steps can help reduce winter-related issues and keep things running smoothly:

• Clear leaves and debris from gutters
• Turn off water supply to outdoor spigots
• Disconnect and store outdoor hoses
• Clean and inspect dryer vents
• Check and replace furnace filters as needed
• Ensure home insulation is adequate to help prevent ice damming
• Maintain a consistent indoor temperature if you’ll be traveling
• Unplug unused battery-powered items and review extension cord use
• Test smoke detectors and carbon monoxide detectors - and confirm you have them installed
• For more on winterizing your pipes, read our blog:

https://www.robertsonryan.com/personal-lines/2025/01/21/protect-your-home-from-winter-freeze-tips-to-avoid-burst-pipes-and-costly-damage/

If you have any questions about your insurance coverage, feel free to reach out. We’re always here to help.

Winter can wreak havoc on your home’s plumbing. This guide covers ways to protect your property and peace of mind during the cold months.

09/24/2025

What Does “Uninsured” and “Underinsured” Mean?
Uninsured Motorist (UM) Coverage: Protects you if you’re in an accident with a driver who has no liability insurance or in a hit-and-run situation.
Underinsured Motorist (UIM) Coverage: Steps in when the at-fault driver’s liability limits are too low to cover your injury or property damage costs.
While liability insurance is legally required in 49 states and the District of Columbia, many drivers still choose to go without. Or they only carry the minimum required coverage, which may not be enough in a serious accident.

Why Are Insurance Rates Rising?
Uninsured drivers create more financial risk for insurance companies. When more drivers don’t carry adequate insurance, insurers face higher costs covering accidents. This added risk leads to higher premiums for all policyholders, even those with clean records.

Here’s how uninsured and underinsured drivers impact everyone:

Increased risk for insurers: Accidents involving uninsured drivers often lead to higher claim payouts.
Higher premiums for insured drivers: Insurers raise rates to offset these costs.
Pressure on UM/UIM coverage: Frequent claims can cause premiums for this coverage to increase.
Penalties for uninsured drivers: Those caught driving without insurance face steep fines and future rates that can skyrocket due to their high-risk status.

How Can You Protect Yourself?
Even the best drivers can be involved in an accident with someone who doesn’t have enough insurance. Here’s how to reduce your risk:

Make sure you have UM/UIM coverage: These coverages are often optional but provide critical protection.
Consider an umbrella policy: This adds extra liability protection above your auto policy limits. Confirm if uninsured motorists are included.
Ask your agent about discounts: There may be opportunities to lower your overall premium without sacrificing protection.
Drive defensively: Staying alert and minimizing distractions reduces the chance of needing to file a claim in the first place.

Learn why uninsured/underinsured motorist coverage is so important and how to protect yourself from financial risk.

08/14/2025

Great article on Flood damage vs water back up and water damage to read!

Flood damage is a separate insurance policy**

If the water touched the ground outside before entering your home or business, it’s likely flood damage and needs flood insurance.

If it originated inside—like a pipe break, roof leak, or sump pump overflow—it’s water damage, but may still require special coverage.

Know the distinction between Flood Damage &. Water Damage. Having the right policies in place can make a difference.

07/09/2025

For many people, driving a vehicle that’s provided by their employer, or a business they own, is a major convenience. Whether you’re behind the wheel of a company-owned car, or your family members use vehicles titled to your business, it’s important to understand how this can affect your insurance coverage.

Great article.

Whether you're a business owner, an employee, or a family member driving a company car, it’s worth checking your policy.

07/01/2025

Safe travels this holiday week and Happy 4th!!!!!!! 🎇🎆🎉

Rental Car Insurance: What You Need to Know Before You Drive

Does My Personal Auto Insurance Cover Rentals?
If you have a personal auto policy, your coverage usually extends to rental cars…as long as the rental is for personal use and you’re within the U.S. or its territories. Your deductible and coverage limits will apply to any claims.

Here are common coverage types that may carry over:

Liability Insurance: Pays for damage or injury to others if you’re at fault.
Collision Coverage: Helps pay to repair or replace the rental if it’s damaged in an accident.
Comprehensive Coverage: Covers damage from theft, weather, or vandalism.
Medical Payments (MedPay) or Personal Injury Protection (PIP): Helps with medical expenses for you and your passengers.
Always check your policy’s declarations page or talk to your agent to understand what’s included, especially if you’ve dropped collision or comprehensive coverage.

What If I’m Using a Credit Card?
Some credit cards include rental car insurance when you use the card to pay for the rental and decline the rental company’s damage waiver. This coverage is often secondary, meaning it only kicks in after your personal auto policy pays. A few cards offer primary coverage, which can reduce your out-of-pocket expenses.

Each card has its own terms, so it’s a good idea to:

Confirm whether coverage is primary or secondary.
Ask about exclusions (e.g., types of cars, countries, or accident types).
Find out what documentation is required if you need to file a claim.

This guide breaks down what’s typically covered by your personal auto policy, credit card, or travel insurance and when it might make sense to buy extra protection.

07/01/2025

Hitting the road this holiday weekend? 🚗 Watch out for these surprising summer driving hazards: https://www.emcinsurance.com/losscontrol/insights-d/2018/08/driving

05/16/2025

Looking for interior or exterior painting? Contact Max for a free estimate!

We are a energetic professional, interior/exterior commercial & residential full service painter.

05/06/2025

No one is happy about it. It is what it is and we are trying our best to help accommodate and find the best coverages and companies for clients.

Reinsurance, the “insurance for insurance companies." Why it’s getting more expensive and how it affects your premium.

03/25/2025

https://www.robertsonryan.com/personal-lines/2025/03/25/roofing-insurance-how-your-roof-material-impacts-coverage-and-costs/

From durability to potential discounts, discover how your roofing material affects your premiums and peace of mind.