Marshfield Insurance
208 W 5th St, Marshfield, WI 54449
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208 W 5th St, Marshfield, WI 54449
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2510 N Central Ave, Marshfield, WI 54449
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207 W Upham St, Marshfield, WI 54449
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Learn about insurance coverage options specific to Marshfield residents.
Marshfield home insurance costs $1,515-$1,648/year. Learn about winter storm coverage, ice dam protection, and frozen pipe requirements for central Wisconsin.
Car InsuranceMarshfield drivers need more than Wisconsin's 25/50/10 minimum. Learn about winter coverage, average rates ($430-$1,943/year), and smart protection.
Yes, standard homeowners insurance policies in Wisconsin typically cover ice dam damage. Ice dams form when heat escapes through your roof, melting snow that then refreezes at the roof's edge, potentially causing water to back up under shingles and leak into your home. This type of damage is generally covered under standard policies, though you should confirm this with your specific insurer.
Maybe—it depends on whether you maintained your home properly. Most insurers require you to keep your home's temperature above 60 degrees, even when you're away. If your pipes freeze and burst because you turned the heat down too low or shut it off completely, your insurance company may deny the claim. Always maintain adequate heat and consider draining pipes if you'll be gone for extended periods during cold weather.
Marshfield homeowners pay an average of $1,515 to $1,648 annually for home insurance, which is below the national average of $2,423. Your actual cost depends on your home's value, coverage limits, deductible, and credit score. Homeowners with excellent credit in Wisconsin pay around $928 per year, while those with poor credit face premiums averaging $2,777.
You should seriously consider it. Standard homeowners insurance doesn't cover flooding, and Marshfield faces flood risks from heavy snowmelt in spring. You can purchase flood insurance through the National Flood Insurance Program (NFIP) or from private insurers. Given the significant snowfall central Wisconsin receives each winter, flooding from snowmelt is a real concern when temperatures rise.
Water backup coverage protects you when water backs up through sewers or drains into your home—a common problem in Wisconsin when heavy snowmelt overwhelms municipal sewer systems. Standard homeowners policies typically exclude this, but you can add it as an endorsement. Given Marshfield's heavy snowfall and spring snowmelt, this coverage is worth considering for most homeowners.
Marshfield experiences heavy snowfall, ice storms, freezing temperatures, and strong winter winds. In March 2025, parts of the Marshfield area recorded over 2 inches of ice accumulation during a single storm, setting precipitation records and causing widespread damage to trees and power lines. These severe ice storms, combined with significant snow accumulation throughout winter, make comprehensive winter damage coverage essential for Marshfield homeowners.
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