3 Most Common Insurance Questions for Southeastern Wisconsin
If you live in Southeastern Wisconsin — whether that’s Milwaukee, Kenosha, Racine, Lake Country, or Waukesha — you probably have questions about insurance. You’re not alone. I am here to answer these for you.
Here are the three most common insurance questions people in our area are asking — and what you need to know.
- Is Car Insurance Required in Wisconsin?
Yes. If you drive in Wisconsin, you must have car insurance. The state requires drivers to carry minimum liability coverage. That means your insurance must pay at least:
- $25,000 for injuries to one person
- $50,000 for injuries to more than one person
- $10,000 for property damage
You must also carry uninsured motorist coverage. This helps protect you if someone without insurance hits you. If you drive without insurance, you can face fines and possible license suspension.
Even though these are the minimum limits, many drivers choose higher coverage amounts for better protection.
2. Do I Have to Buy Homeowners Insurance?
Wisconsin law does not require homeowners insurance. However, if you have a mortgage, your lender will almost always require it. Homeowners insurance helps protect:
- The structure of your home
- Your personal belongings
- Your finances if someone is injured on your property
- Living expenses if you cannot stay in your home after a covered loss
For example, if a fire damages your home, your policy can help pay to repair it and cover hotel costs while repairs are being made.Costs vary depending on where you live, the age of your home, and how much coverage you choose.
NOTE: The amount that the lender requires you to have in homeowners insurance will change as their financial interest in the property changes. Typically, the less you owe, the less protection you need.
3. How Do I Find Affordable Health Insurance in Wisconsin?
You can enroll in a health plan during the annual Open Enrollment period, which usually runs from November through mid-January. If you miss that window, you may still qualify for a Special Enrollment Period if you have a life change such as:
- Getting married
- Having a baby
- Losing other health coverage
Some people may qualify for Medicaid or financial help to lower monthly costs. Comparing plans carefully is important so you can find coverage that fits both your health needs and your budget.
Final Thoughts
Insurance can feel confusing, but the most common questions are actually pretty simple:
- Is it required?
- What does it cover?
- How much does it cost?
If you live in Southeastern Wisconsin and are unsure about your coverage, it’s always smart to review your options. The right policy can protect your home, your car, your health — and your financial future.
Give us a call or an email to discuss what your options are!