Alec Esenther Insurance Services

03/09/2026

⭐ 5 Star Review #16 ⭐

When I reviewed Greg’s home insurance, I noticed something that unfortunately shows up pretty often.

His previous policy had a $5,000 wind and hail deductible and a roof depreciation schedule. With those two combined, he would have had very little coverage for his roof if a claim occurred.

Many insurance carriers increase the wind and hail deductible to lower the premium. While that can reduce the price, it also shifts more risk onto the homeowner. In Wisconsin, wind and hail are some of the most common causes of home insurance claims, so increasing that deductible can be a big gamble.

We lowered the wind and hail deductible to $1,000, added several optional coverages that weren’t included before, and improved the overall protection on the home.

Even after all of those improvements, we were still able to beat his previous rate by over $1,000 per year.

If you’d like to see what others are saying, you can read more reviews here:
https://lnkd.in/gf97gfnn

It never hurts to check your coverage and see how much you could save. The process is quick and convenient.

📧 [email protected]

📞 Call/Text: 262-510-4432

02/27/2026

Just hit our 15th 5-star review 🎉

I truly appreciate everyone who has trusted me with their home and auto insurance. My goal is always the same: better coverage, better value, and a smooth process.

Want to see what other clients have said about their experience?
Take a look here:
https://share.google/jLFyiGhPaZuZwaLdU

01/30/2026

According to Consumer Reports, Erie Insurance is the top-ranked auto insurance company. 🚗💨

See what all the fuss is about and let us give you a quote: https://www.erieinsurance.com/consumer-reports

📞 262-510-4432
✉️ [email protected]

Pine Hill Insurance Services is an Independent Insurance Agency insuring Watertown and all of WI

01/27/2026

💥 See the Difference: What They Paid vs What They Got 💥

Last week, I worked with a retired couple who had been with a big-name carrier for years and finally decided it was time to review their insurance. Here’s how the numbers shook out:

Before
🏠 Home: $1,594/year
🚗 Auto: $1,759/6 months
Total: $5,112/year

After Reviewing & Restructuring
🏠 Home: $755/year
🚗 Auto: $1,324/year
☂️ Umbrella: $1M liability included
Total: $2,196/year

That’s about 57% of what they were paying before, with far better protection.

We also significantly improved their coverage:
✅ Auto rate lock feature added so their auto premium stays the same year after year with clean driving
✅ Auto liability increased from $100k/$300k → $250k/$500k
✅ Home coverage increased from $504,800 + 20% ($605,760 total) to a true rebuild cost of $656,500, with extended replacement coverage up to $820,625
✅ Wind/hail deductible lowered from $2,000 → $1,000, matching the base deductible where claims are most likely
✅ Added a $1M umbrella policy on top of the home and auto liability limits

This is exactly why reviewing your insurance matters.
If it’s been a few years since you last looked at your policies, now is a great time.

📞 Call: 262-510-4432
✉️ Email: [email protected]

01/06/2026

Frozen pipes lead to burst pipes, and that can mean big headaches and big repair bills for business owners.

Before the next cold snap, here's how to help protect your space and avoid costly downtime: https://www.erieinsurance.com/blog/frozen-pipes-business

Call/Text: 262-510-4432
Email: [email protected]

01/06/2026

🏠 One thing I notice many homeowners do not realize is that their home insurance is not based on the market value of their home. Market value does not rebuild a home. Rebuild cost does.

Home insurance is based on what it would cost to reconstruct your home from the ground up, factoring in labor, materials, and local construction costs. Interestingly, market value can be higher or lower than rebuild cost depending on circumstances:

• Market value higher than rebuild cost: Desirable location or a hot real estate market can make a home sell for much more than it costs to rebuild.
• Market value lower than rebuild cost: Custom homes, high-end finishes, unique architectural details, or even nice homes in less desirable locations can make rebuilding more expensive than what the home would sell for.

If a home is insured based on market value, it can easily be:
• Overinsured – paying for more coverage than needed
• Underinsured – leaving a gap when rebuilding costs exceed the limit

Understanding the difference between market value and rebuild cost is one of the simplest ways to avoid surprises if you ever need to make a claim.
If you have questions about how your home would be insured after a loss, feel free to reach out.

📞 262-510-4432
[email protected]

01/02/2026

New Year, new goals 💥

If your New Year’s resolution is to save more in 2026, reviewing your home, auto, and life insurance is an easy win. Rates change, discounts change, and loyalty doesn’t always pay.

I help people compare carriers and coverages to make sure they’re not overpaying or under-insured. A quick review could end up saving you more than you think.

Shoot me a text or give me a call if you want to take a look 👍

📲 262-510-4432

04/09/2025

11/19/2024

Protect Your Business Today! 🏢
Your business is unique—your insurance should be too. I’m Alec Esenther, here to provide customized insurance solutions that work specifically for YOUR needs.

📞 Call me today at 262-510-4432, and let’s ensure your business is protected the right way!

Call now to connect with business.

11/05/2024

All businesses—even small ones—are vulnerable to cyberattacks. One data breach could cause catastrophic financial penalties, ruin your company’s reputation and disrupt operations.

Watch the video to see how Cyber Suite from Erie Insurance can help you protect your business. Learn more here: https://www.erieinsurance.com/blog/protect-business-data-now

11/04/2024

Keep all your policies under one roof and snag some major savings (15% or more! 💰) by bundling with ERIE! You'll have one local agent to turn to for all your insurance questions and needs, one place to make payments and one place to call in the event of an accident.
Click here to learn more about how bundling with ERIE can help you save! https://bit.ly/3T2fW4m