Gauge And Guide, Health Insurance
444 Reid St., Suite 101, De Pere, WI 54115
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De Pere households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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444 Reid St., Suite 101, De Pere, WI 54115
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2986 County Road PP, De Pere, WI 54115
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400 Destiny Dr, De Pere, WI 54115
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Learn about insurance coverage options specific to De Pere residents.
De Pere home insurance averages $1,230/year. Learn about Fox River flood zones, winter damage coverage, and how St. Norbert College affects rates.
General Insurance EducationComplete insurance guide for De Pere, Wisconsin residents. Learn about affordable home insurance ($1,285/year avg), auto requirements, Fox River flood risks, and winter storm coverage.
Car InsuranceDe Pere auto insurance guide: Wisconsin's 25/50/10 minimums, how at-fault coverage works, winter driving risks, and how to save on your premium in 2026.
If your property falls within a FEMA Special Flood Hazard Area (zones starting with A, AE, V, or VE) and you have a federally-backed mortgage, flood insurance is mandatory. Even if it's not required, consider that FEMA's updated 2023 flood maps show significant Fox River flood risks, and just one inch of water can cause $25,000 in damage that your standard home policy won't cover.
Standard homeowners policies do cover ice dam damage, including resulting water damage to ceilings, walls, and insulation. However, insurers may deny claims if poor maintenance—like inadequate attic insulation or ventilation—contributed to the ice dam formation. Keep documentation of your home maintenance to avoid claim complications.
De Pere homeowners pay around $1,230 annually on average for home insurance with $300,000 in dwelling coverage, which is about $103 monthly. Your actual rate depends on your home's age, location relative to the Fox River, claims history, and chosen deductible. Properties in flood zones require separate flood insurance adding $400-$2,000 yearly.
No, standard homeowners insurance doesn't adequately cover rental properties. You need a landlord or dwelling fire policy that covers tenant-caused damage, liability for tenant injuries, and loss of rental income when your property becomes uninhabitable. With De Pere rental rates averaging $1,653 monthly near campus, proper coverage is essential.
Yes, homeowners insurance covers sudden pipe bursts from freezing, including the resulting water damage. However, claims may be denied if you failed to maintain adequate heat while away or didn't take reasonable precautions during extended cold periods. Winter pipe damage claims in Wisconsin often exceed $10,000, making prevention and proper coverage critical.
Claims history significantly impacts premiums in Wisconsin. Homeowners with no claims in the past five years pay around $1,172 annually, while one claim increases this to $1,402, and two claims push it to $1,551. This is why many homeowners pay out-of-pocket for repairs under $2,000 rather than filing claims that could raise rates for years.
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