RFA Insurance Services
109 W Martin St, Edgerton, KS 66021
View this agency's profile to learn more about their services.
Loading...
City directory
Edgerton households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
109 W Martin St, Edgerton, KS 66021
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Edgerton residents.
Edgerton, Wisconsin auto insurance guide: state requirements, average costs, why rates are below national average, and tips for I-90 commuters.
Edgerton homeowners typically pay around $1,093 annually for home insurance with $300,000 in dwelling coverage, which is below Wisconsin's state average of $1,230. Your actual rate depends on your home's age, condition, claims history, and coverage limits. Homes with no claims in the past five years pay less, while even one claim can increase your premium by $200-300 per year.
Standard homeowners insurance covers burst pipes from freezing, but only if you've maintained your home properly. This means keeping your heat at a reasonable temperature (typically 55°F minimum) when you're away, insulating exposed pipes, and addressing known issues before winter. If your insurer determines you were negligent—like leaving your home unheated in winter—they can deny your claim.
Edgerton isn't in a high-risk flood zone, but flood insurance isn't just for coastal areas. Spring snowmelt, heavy rains, and poor drainage can all cause flooding that standard homeowners policies don't cover. Check FEMA's flood maps for your specific property, and consider that even properties outside high-risk zones can flood. Policies typically have a 30-day waiting period, so don't wait until spring thaw to think about it.
Replacement cost pays to rebuild or replace damaged property at today's prices, while actual cash value factors in depreciation. If your 15-year-old roof gets damaged, replacement cost covers a new roof, while actual cash value only covers what that old roof was worth. Replacement cost costs more but provides significantly better protection, especially for major components like roofs, HVAC systems, and appliances.
If you live in one of Edgerton's converted tobacco warehouses, you need renters insurance, not homeowners insurance. The building owner's policy covers the structure, but not your personal belongings or liability. Renters insurance typically costs $15-30 per month and covers your possessions, liability if someone is injured in your unit, and additional living expenses if you need to relocate temporarily due to covered damage.
Edgerton's position in Rock and Dane Counties means insurers evaluate winter weather risks from multiple reporting zones, but you benefit from lower rates than Madison or Milwaukee because replacement costs are lower here. Your proximity to Madison can actually help you get better rates from insurers who serve the broader metro area and offer volume discounts. The city's smaller size and lower crime rates compared to urban areas also work in your favor.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network