Covered Bridge Insurance
W67 N222 Evergreen Blvd, Ste S106, Cedarburg, WI 53012
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Cedarburg households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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W67 N222 Evergreen Blvd, Ste S106, Cedarburg, WI 53012
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W67 N222 Evergreen Blvd Suite South 106, Cedarburg, WI 53012
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W61N306 Washington Ave, Cedarburg, WI 53012
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W61 N306 Washington Ave, Ste 105, Cedarburg, WI 53012
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Learn about insurance coverage options specific to Cedarburg residents.
Complete guide to insurance in Cedarburg, Wisconsin. Learn about auto requirements, homeowners costs, flood risks along Cedar Creek, and local agents.
Home InsuranceCedarburg homeowners pay $1,000-1,400/year for insurance. Learn about historic home coverage, winter weather protection, and Cedar Creek flood risks.
Car InsuranceCedarburg drivers need more than Wisconsin's 25/50/10 minimums. Learn about fault-based coverage, I-43 commuter risks, and how to save on premiums.
Wisconsin requires 25/50/10 liability coverage ($25,000 per person for bodily injury, $50,000 per accident, and $10,000 for property damage) plus uninsured motorist coverage at 25/50 limits. However, experts recommend higher limits like 100/300/100 since medical costs and vehicle values often exceed these minimums. Operating without insurance can result in fines up to $500.
Homeowners insurance in Cedarburg typically costs more than Wisconsin's state average of $1,285 to $1,662 annually because of higher property values. With median home values around $501,429, you can expect to pay above the state average. Your actual cost depends on your home's age, construction type, coverage amount, and deductible.
Yes, flood insurance is highly recommended in Cedarburg. Cedar Creek and the Milwaukee River both have flood inundation maps for the area, and Ozaukee County experienced severe flooding in August 2024 with 5-10 inches of rainfall. Standard homeowners policies don't cover flood damage, and 40% of flood claims come from outside designated flood zones.
Wisconsin is one of the most affordable states for car insurance, ranking 7th for minimum coverage and 9th for full coverage. Full coverage averages $169-$184 monthly statewide, while minimum coverage costs about $36-$42 per month. Drivers in smaller cities like Cedarburg typically pay less than Milwaukee residents, where rates can reach $126 monthly.
Local agents understand Ozaukee County's specific risks, including flood zones along Cedar Creek and the Milwaukee River, local property values, and historic home construction. They can provide personalized service for specialty coverage needs like historic homes, personal property scheduling, and home-based business endorsements that online quotes may miss.
Umbrella insurance is worth considering if you have significant assets to protect. It provides liability coverage above your auto and homeowners limits, typically starting at $1 million, and is relatively inexpensive. It protects you if you're sued for damages that exceed your standard policy limits, which is particularly important given Cedarburg's higher property values.
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