Apex Insurance Group Of WI LLC
4330 Golf Ter, Ste 206, Eau Claire, WI 54701
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Eau Claire households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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4330 Golf Ter, Ste 206, Eau Claire, WI 54701
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4330 Golf Ter, Suite 102, Eau Claire, WI 54701
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4004 Oakwood Hills Pkwy, Suite 100, Eau Claire, WI 54701
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Learn about insurance coverage options specific to Eau Claire residents.
Eau Claire home insurance costs $4,052/year for a $600K home. Learn about flood risks, winter damage coverage, and how to protect your Wisconsin property.
Car InsuranceEau Claire drivers pay $345-$1,255/year for car insurance. Learn Wisconsin's 25/50/10 requirements, I-94 risks, student coverage, and how to save money.
General Insurance EducationEssential insurance guide for Eau Claire, WI covering auto, home, renters, flood, and business coverage. Learn what you need for winter weather and river risks.
No, standard homeowners insurance specifically excludes flood damage, including basement flooding from the Chippewa River or spring snowmelt. You need separate flood insurance through the National Flood Insurance Program or a private flood insurer. Given Eau Claire's flood history and the 2023 flood that ranked ninth highest ever recorded, flood coverage is worth serious consideration even if you're not in a designated high-risk zone.
Home insurance in Eau Claire runs about 29% higher than Wisconsin's state average. For a $600,000 home, expect to pay around $4,052 annually versus the state average of $3,133. The higher cost reflects Eau Claire's harsh winters, tornado risk (five tornadoes hit Eau Claire County in April 2025), and the area's history of severe weather claims. Shopping multiple carriers can save you hundreds annually.
Yes, most homeowners policies cover damage caused by ice dams, including water damage to your interior walls, ceilings, and insulation. However, you'll pay your deductible, and multiple claims can increase your premiums. The bigger issue is if your insurer determines you failed to properly maintain your roof or attic ventilation—they may reduce or deny the claim based on neglect.
Your homeowners insurance typically covers sudden water damage from burst pipes, including repairs to the plumbing, water damage to your home, and damaged belongings. The catch: if the insurer finds you failed to maintain adequate heat (most require 55°F minimum) or didn't properly winterize your home, they can deny the claim. Before winter travel, document your thermostat setting and consider asking someone to check your home periodically.
Always choose replacement cost coverage for both your dwelling and personal property. Actual cash value deducts depreciation, meaning your 10-year-old roof or damaged furniture gets valued at a fraction of replacement cost. Replacement cost coverage costs about 10% more in premiums but pays the full cost to replace items without depreciation—a difference that can amount to tens of thousands of dollars after a major claim.
Eau Claire earned a Class 9 rating in FEMA's Community Rating System due to the city's flood mitigation efforts, including property acquisitions in flood-prone areas. This rating qualifies all Eau Claire residents with NFIP flood insurance for approximately a 5% discount on their premiums. The discount applies automatically when you purchase flood insurance within city limits, and it continues as long as the city maintains its CRS rating.
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