Our Insurance Blog

Introduction For many their home is not only their sanctuary, it’s also the most significant investment they will ever make. It’s not only practical to secure home insurance to protect your home and belongings, it’s also most likely a requirement to secure a mortgage. Many homeowners aren’t exactly sure what homeowners insurance is exactly and why it’s so important. In this article we’ll dive in and educate you on the basics of homeowners insurance. What is Homeowners Insurance? Homeowners insurance is insurance coverage that will protect you from damages and losses to your property and the assets in the home.

Many of you are searching locally for a Progressive Insurance agent in Germantown, WI and surrounding areas, and as a distinguished independent insurance agency, Hoell Insurance Agency takes pride in providing top-quality affordable policies from Progressive Insurance. In this article, we’ll explore the many advantages of partnering with a local independent insurance agent for your insurance requirements, as well as the numerous benefits that come with selecting Progressive Insurance as your go-to provider.   The Perks of Partnering with a Local Agent Opting for a local agent for your insurance needs comes with numerous benefits, chief among them being the

Here are the top 10 reasons why to do business with my agency… 1. We offer insurance solutions to meet all of your needs – auto, home, renters, condo, life, motorcycle, atv, snowmobile, boat, and camper insurance. 2. You have a personal relationship with our agency and are not just a “number.” 3. You will receive timely responses to all sales, claim and service needs – you are our top priority today, tomorrow, ALWAYS. 4. Every client has a dedicated account manager to assist with all needs. You can meet with your representative face-to-face anytime. 5. We will perform periodic

How many of you have heard this line before?!? I know I have. I talk to hundreds of people each year and you would be SHOCKED how many times you hear that… Thankfully, I do not hear it often about me, my agency, or my agency partners. The sad reality is the insurance company doesn’t screw you. The person who set up your policies did. They did not go over what was important you. They did not do a comprehensive review of your coverages. They did not make sure you were covered and covered right. They may have saved you

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

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

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

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

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

Why Choose an Independent Insurance Agent? 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.