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BWO Insurance

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Independent Insurance Agency BWO, the good people to know. With over 40 insurance carriers to shop from, we're your one-stop shop.

Our goal today is the same as it was back in 1985, to provide you with a competitive rate and quality coverage to protect your most valued possessions. Call us today to find out how we can help with all your insurance needs

10/15/2026

Life insurance shouldn’t feel like another language.

There are a lot of terms, options and details — but the basics can be simple.

Here’s a good place to start:

🔹 TERM LIFE
Coverage for a set period of time, such as 10, 20, or 30 years.

It’s often used to help protect things like:
• A mortgage
• Income replacement
• Raising children

🔹 PERMANENT LIFE
Designed to stay in place for your lifetime, as long as you meet policy requirements.

Certain types may also build cash value over time.

Neither option is automatically “better.”

The right fit depends on:
• Your family
• Your finances
• What you’re trying to protect

At BWO Insurance, we believe the conversation should come before the policy.

Ask questions. Understand your options. And make sure your coverage still fits the life you’re living today.

Life insurance can be complicated. Explaining it shouldn’t be.

10/12/2026

🦌 Pop quiz!

A deer runs into your car.

Which coverage usually applies?

A. Collision
B. Comprehensive

✅ Answer: Comprehensive

In most cases, damage from hitting a deer or another animal is handled under comprehensive coverage.

Why this matters in Wisconsin:

🍂 Deer crashes increase in the fall
📅 October and November are especially active months
🚗 It’s a good time to know what your auto policy actually covers

Not sure what’s included in your policy? A quick coverage review can help clear things up before fall driving gets busy.

Did you know the answer? 👇

10/07/2026

🏠 Insurance term you may not know: ORDINANCE OR LAW COVERAGE

Here’s the simple version:

If part of an older home is badly damaged, the repairs may have to meet today’s building codes — even if the home was built decades ago.

That could mean required updates to things like:

⚡ Electrical
🚿 Plumbing
🏠 Roofing
🛠️ Structural or safety features

Those upgrades can add extra cost to a repair.

Ordinance or Law Coverage can help with certain additional expenses required to bring damaged property up to current codes after a covered loss.

It’s one of those coverages you may not think about often…
until you need it.

Not sure whether your policy includes it? That’s a great question to ask your insurance advisor.

10/01/2026

🍂 Pick your fall vibe!

Plenty is happening around southeastern Wisconsin the first weekend of October. Whether you’re ready for an Oktoberfest celebration or an afternoon of local art, there’s something worth getting out for.

🍺 Milwaukee Oktoberfest October 2–4
Henry Maier Festival Park

🍺 Cedarburg Oktoberfest October 3–4
Downtown Cedarburg

🎨 Waukesha Art Crawl Saturday, October 3 | 2–8 PM
Downtown Waukesha

So, Wisconsin… which fall vibe are you choosing this weekend? 🍁

09/28/2026

🔥 Candle or phone charger—which one makes you more nervous?

A candle may seem like the obvious answer because it involves an open flame, but everyday electronics deserve attention too.

Damaged charging cords, overheating adapters, low-quality chargers and devices charging on soft surfaces like beds or couches can all create unnecessary risk.

A few simple habits can make a difference:
• Never leave a burning candle unattended
• Replace frayed or damaged charging cords
• Use chargers designed for your device
• Keep charging devices on a hard, well-ventilated surface
• If a charger becomes unusually hot, unplug it and check it out

So… which one would you keep a closer eye on in your house? 👀
CANDLE 🕯️ or PHONE CHARGER 🔌?
Tell us your pick below!

09/24/2026

⏱️ You have 10 minutes to leave your home — what are you taking?

In an emergency, there usually isn’t time to think through every detail. Knowing what matters most ahead of time can help you move quickly and stay organized.

A few things to have ready:
• Medications
• Important documents
• Phone and charger
• Keys and wallet
• Pet supplies
• Emergency contacts
• Insurance information and your agent’s contact details

It’s also a good idea to keep a current home inventory, photos of valuable belongings, and copies of important insurance documents somewhere you can access them even if you can’t get back into your home.

Insurance can help you recover after a loss, but a little preparation beforehand can make the process much easier.

National Preparedness Month is a great reminder to make sure both your emergency plan and your insurance information are ready before you need them.

✅ If you had to leave in 10 minutes, what’s the first thing you’d grab?
Tell us in the comments.

09/22/2026

🐾 Thinking about switching pet insurance? Here’s something many pet owners don’t know.

Your pet’s medical history doesn’t necessarily get a fresh start with a new insurance company.

If your dog or cat develops a medical condition while insured and you later switch providers, that condition may be considered pre-existing under the new policy—even if you never filed a claim for it.

That could matter for things like recurring allergies, joint problems or other ongoing medical issues.

Before changing pet insurance, don’t compare price alone. Take a close look at:

• Pre-existing condition rules
• Waiting periods
• Deductibles and reimbursement levels
• Annual coverage limits
• What treatments and conditions are excluded

Sometimes the least expensive policy today may not be the best fit for your pet long term.

🐶🐱 Pet insurance is one of those coverages where understanding the fine print before you need it can make a big difference.

09/21/2026

🎉 Congratulations to Alyssa Hobgood — 2026 Young Insurance Professional of the Year!

We are incredibly proud to celebrate one of our own. Alyssa, an agent at BWO Insurance, has been named 2026 Young Insurance Professional of the Year by the National PIA.

Alyssa brings exceptional dedication to her clients and a genuine passion for the future of our industry — mentoring other young professionals, sharing her expertise, and showing what's possible in an insurance career.

Congratulations, Alyssa! We're so proud to have you as part of the BWO family, and we can't wait to see what you accomplish next.

09/15/2026

⛳ Every swing makes a difference!

BWO Insurance will be closed on Thursday, September 17, as we take part in the 32nd Annual Golf Open.

Proceeds from the outing will benefit the MACC Fund, and we’re proud to continue supporting such an important cause and the work they do for children and families.

We’ll resume regular business hours on Friday, September 18.

Thank you for your understanding and continued support! 💙

09/10/2026

💙 September is Life Insurance Awareness Month — when was the last time you checked your beneficiary?

Buying life insurance isn’t necessarily a “set it and forget it” decision.

Life changes. Families change. And the person you named as your beneficiary years ago may not be who you would choose today.

A few good reasons to review your life insurance include:

• Marriage or divorce
• Welcoming a child
• Buying a home
• Changing jobs
• Children becoming financially independent
• Changes in your family or financial responsibilities

It’s also worth checking that you have both primary and contingent beneficiaries listed and that their information is current.

Life Insurance Awareness Month is a good reminder to spend a few minutes reviewing something that could have a significant impact on the people you care about.

Not sure if your life insurance still fits your current life? BWO Insurance can help you review your coverage and beneficiaries.

Address

7472 S. 6th Street
Oak Creek, WI
53154

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+14147688100

Website

http://bwoinsurance.com/

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