Homeowners Insurance in Germantown, WI

Homeowners Insurance Experts in Germantown, WI and Surrounding Areas

Serving all of Germantown, WI and Surrounding Areas

Homeowners insurance is not one-size-fits-all so we offer a range of homeowners insurance plans to properly cover your home in case of an accident, disaster, damage and more. With so many types of insurance and coverage, it’s essential to have a knowledgeable insurance agent on your side.

Joseph Hoell Insurance has been serving homeowners in the Germantown area for years and we make it easy to customize your home insurance plan for your unique needs. We understand the intricacies of various homeowners policies and will help you navigate the process to make the best choice. While we are located in Germantown we serve Washington, Ozaukee, Waukesha, Germantown and all counties in the greater Milwaukee area.

What does homeowners insurance cover?

  • Dwelling: The physical structure that is your home.
  • Personal Property: The items you have accumulated over the years.
  • Liability: Protection for accidents incurred by others on your property or other things you could be held liable for outside of your home.
  • Loss of use: Accommodations like a place to stay, food for your family, clothes for work during a covered loss.
  • Separate structure: Other structures not attached to your home like a gazebo, shed, or detached garage.

What perils does homeowners insurance protect against?

While all policies are different here are some of the common claims we see at Joseph Hoell Insurance.
  • Theft and vandalism
  • Fire and smoke damage
  • Weather-related damages like those from wind, hail or lightning
  • Water damage

What does homeowners insurance cost?

At Joseph Hoell Insurance, we are experts at finding the best insurance rates in Wisconsin. We are local and know the area well. Some of the areas where we have excellent pricing include Germantown, Menomonee Falls, Grafton, Cedarburg, Jackson, West Bend, Hartford, Sussex, Richfield, Mequon, Thiensville and more. While price is important we will always make sure you are covered properly and that you are taking advantage of all the discounts you can!
Excellent homeowners insurance doesn’t have to cost a fortune. Low yearly premiums are one benefit of purchasing a home in Wisconsin. Joseph Hoell Insurance compares multiple insurance providers and quotes to find you the best price and the right coverage. Affordable homeowners in Wisconsin is just a call away.

What factors affect the cost of homeowners insurance in WI?

  • The amount of coverage
  • Location
  • Neighborhood crime
  • Materials, condition and how old the home is
  • Fire safeguards
  • High frequency of homeowners insurance claims
  • Deductible amount
  • Credit score

What is the right amount of home insurance coverage?

Joseph Hoell Insurance looks at the complete picture. We will help weigh your needs, budget and other concerns to find the ideal policy. Your Joseph Hoell insurance agent can help you determine the right type and coverage of homeowners insurance for your unique property. We’ll help you understand the differences between actual cash value and replacement cost, demystifying the home insurance process so you’ll feel confident in your decision. While the “right coverage” can vary from homeowner to homeowner, there are some general guidelines to consider.

You want your homeowners insurance to essentially:

  • Rebuild your home (dwelling coverage)
  • Replace your belongings (personal property)
  • Cover injuries and damages that occur on your property (liability)
  • Reimburse your living expenses if you can’t live in your home (additional living expenses)

Standard policies may not cover wind, floods and other natural disasters. When shopping for home insurance in WI, study your homeowners insurance policy to be sure it covers your home in case of natural disaster. Because a home is often the largest financial investment you’ll make, it’s essential to protect your property in case of any situation. Don’t take the risk of being underinsured during an emergency.

How do I calculate the replacement cost of my home?

When calculating the replacement cost for your home, dwelling coverage should equal the cost to rebuild your home not the home’s current market value. Joseph Hoell Insurance in Germantown has the tools to help calculate rebuilding costs in Wisconsin to ensure you get sufficient coverage. Your homeowners insurance agent will factor in any attached structures such as a garage, deck, barn or porch. You can also estimate the rebuilding cost yourself by researching how much building costs are per square foot in your area then multiply by the square footage of your home.

How do I calculate the personal property coverage I will need?

Similarly, our homeowners insurance agents will help you calculate the necessary personal property coverage. This coverage is for when belongings are stolen, vandalized or destroyed. This coverage applies to everything inside the home like appliances, furniture and more. If you have rare collectibles and art to insure our agents will also be able to guide you. Some types of collectibles require specialty coverage. Joseph Hoell Insurance is here to help you every step of the way and answer all your questions.


At the Joseph Hoell Insurance agency we know how important home protection is. You’ve invested time, money and love into your home and everything inside of it. Contact us at (262) 214-0999 for great rates and the best coverage.
Close Menu