Our Insurance Blog

Why Should I Choose an Independent Insurance Agency?

Consumers sometimes ask, “Why should I go with an independent insurance agency for my insurance needs?” It’s easier than ever to hop into insurance company websites and find a free quote, which leaves many consumers wondering about the benefits of choosing an independent insurance agency. While online quotes can be convenient, there’s nothing like a personal, tailor-made insurance policy. Besides providing the right coverage, independent insurance agents can shop around to find the right insurance price. We’re going to explore in depth the benefits of choosing an independent insurance agency, what it is, and why you should consider choosing an

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Does Your Credit Score Affect Your Homeowners Insurance?

Does Your Credit Score Affect Your Homeowners Insurance? “Will my credit score change my insurance rates?” This is a common question we hear at Joseph Hoell Insurance Company in Germantown, WI. Many people don’t know the answer to this question and are surprised to learn credit is one of the factors impacting the price of their homeowners insurance. Credit history is frequently used by insurance companies to set rates. Past financial information such as missed bill payments is analyzed to generate a credit-based insurance (CBI) score. A CBI score is a number to describe your overall credit stability to the

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How To Get Affordable Auto Insurance

How to Get Affordable Auto Insurance Finding the right auto insurance coverage at the right price doesn’t have to be complicated. At Joseph Hoell Insurance in Germantown, WI, we’re experts on how to find affordable auto insurance. We help guide clients through the process and enjoy giving helpful tips on how to get the best coverage without breaking the bank. Here are some of our top tips to get affordable auto coverage: 1.    Get auto insurance discounts. Car insurance companies offer a range of discounts to different groups of people. Some groups like veterans, military personnel and drivers with a

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How much does homeowners insurance cost?

At Joseph Hoell Insurance Agency, we get questions about how much homeowners insurance will cost often. While it’s a simple question, the answer can be a bit more complex. There are a variety of factors which affect the cost of homeowners insurance. Let’s explore some of these factors in more detail. One of the most influential factors is where you live. If you live in an area prone to flooding or hurricanes, for instance, you’ll need additional coverage which will impact your homeowners insurance rate. Finding a local insurance agent is ideal because they’re familiar with the insurance costs in

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Are you renting? An inside look at Renters Insurance.

If you rent your home, apartment, or condo you NEED renters insurance.  A lot of people think renters insurance just covers your “stuff”.  While that is true it does so much more than just that.  And the best part of renters insurance?  It averages $120 per year or just $10 per month. We have all seen that friend or family member or maybe a coworker who has a Gofundme set up for them because of that fire that destroyed all their personal belongings.  I always find that interesting because the average Gofundme raises less than $1,000.  $1,000 is NOT going

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Our Top 3 Frequently Asked Questions

1. If I rent a car am I covered? Yes, in most cases you are. Your coverage from your auto policy will transfer to that rental car. Now remember if you do not have full coverage, also known as collision & other than collision (comp) on your personal auto policy you would not have that on the rental. Something to consider though. IF you are in an accident there are things NOT covered by your personal auto policy. The biggest of those “things” not covered is when the car is disabled. If the rental facility was collecting $50 per day

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Independent Insurance Agents Wisconsin

Whether you are shopping for socks, a vacuum, a TV, a bike, or a car it makes sense to go to several different stores, websites, or places of business because that assures you get the best deal and that you get the most/best product for your hard earned money! Stopping in at 10 dealerships when you are looking for a car can take hours even days. Going from website to website looking for a vacuum can take time and you might not even be getting what you really need or want in the long run. When you are looking for

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