Mchugh Family Insurance
1400 N Rankin Street, Appleton, WI 54911
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Appleton households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1400 N Rankin Street, Appleton, WI 54911
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1500 N Casaloma Dr, Suite 411, Appleton, WI 54913
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5733 W Packard St, Appleton, WI 54913
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2235 W Wisconsin Ave, Appleton, WI 54914
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Learn about insurance coverage options specific to Appleton residents.
Get the complete guide to auto and home insurance in Appleton, Wisconsin. Learn about state requirements, flood risks, local rates, and Fox Cities agents.
Home InsuranceAppleton home insurance averages $3,258/year. Learn about winter weather coverage, flood risks near Fox River, and ways to lower your premium in 2025.
Car InsuranceAppleton drivers pay $1,223/year for full coverage—$800 less than WI average. Learn about 25/50/10 minimums, at-fault rules, and I-41 corridor risks.
Wisconsin requires minimum liability coverage of 25/50/10, which means $25,000 per person for bodily injury, $50,000 total per accident for all injuries, and $10,000 for property damage per accident. You also need uninsured motorist coverage at the same 25/50 limits. However, these minimums are low—most experts recommend higher limits like 100/300/100 to adequately protect your assets if you cause a serious accident.
Home insurance in Wisconsin averages around $1,515 per year, which is about 28% below the national average. Your actual rate in Appleton depends on your home's age, construction type, location, and coverage limits. Companies like West Bend Insurance offer competitive rates in Wisconsin, with some policies averaging around $1,063 annually. Getting quotes from multiple insurers is essential for finding the best rate.
If you live near the Fox River or in a low-lying area of Appleton, flood insurance is strongly recommended. Standard homeowners policies don't cover flood damage from rising water, and Appleton faces flood risks during heavy rainfall and spring snowmelt. Flood insurance is available through the National Flood Insurance Program or private insurers and typically costs a few hundred dollars per year—far less than the cost of uninsured flood damage.
Most standard homeowners insurance policies in Wisconsin do cover ice dam damage, which is common in Appleton during harsh winters. Ice dams form when melting snow refreezes at your roof's edge and forces water under your shingles. Review your policy to confirm coverage and consider preventive measures like proper attic insulation and ventilation to reduce ice dam risk.
Local insurance agents in Appleton understand regional risks like Fox River flooding, winter weather damage, and Wisconsin-specific coverage requirements. Independent agents can compare quotes from multiple carriers and help you bundle policies for discounts. While online quotes are convenient, a local agent provides personalized service and expertise that's especially valuable for complex situations like waterfront properties or unusual coverage needs.
Top-rated insurers in Wisconsin include West Bend Insurance Company, Secura Insurance, State Farm, and Acuity Insurance. West Bend is known for competitive rates and strong local service. Chubb and Amica also rank highly for customer satisfaction and coverage quality. The best choice depends on your specific needs, so compare quotes from multiple carriers and consider factors like claims service, financial strength, and local reputation.
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