Homeowners Insurance Coverage

Secure Your Home with M.H. Smith Insurance

As homeowners, you know the importance of protecting your most valuable asset. M.H. Smith Insurance, a reputable insurance agency serving Wisconsin and Minnesota, is here to provide you with comprehensive homeowners insurance policies. Our services are designed to cater to your unique needs, ensuring you receive the coverage you deserve. Don't hesitate to reach out to us for your insurance needs.

Why Homeowners Insurance is Essential

Homeowners insurance is more than just a safety net; it's a necessity. Here's why:

• Protection against property damage
• Coverage for personal belongings
• Liability coverage
• Peace of mind

At M.H. Smith Insurance, we understand these needs and are ready to assist you with securing a suitable policy. Contact us today for more information.

Choose M.H. Smith Insurance for Your Homeowners Insurance Needs

There are several compelling reasons to trust M.H. Smith Insurance with your homeowners insurance needs:

• Access to an above-average number of insurance carriers
• Service throughout Wisconsin and Minnesota
• Personalized service at your home or business
• Expertise from licensed professionals
• Over 60 years of experience
• A locally owned business

We invite you to contact M.H. Smith Insurance to discuss your homeowners insurance needs.

Contact Us Today

At M.H. Smith Insurance, we're committed to providing you with the best homeowners insurance policies. Don't wait until it's too late. Get in touch with us today to secure your home and peace of mind.

Did You Know?

• Your jewelry and guns have limited coverage for theft under a standard home insurance policy without adding an endorsement. If you have jewelry or guns valued at over $1500, it is important to discuss a scheduled rider.
• Your lawn equipment and recreational vehicles do not have liability coverage off of your property. If your teenager goes down the block to mow your neighbor’s lawn and a rock kicks up and injures someone, it is likely you would not have any liability coverage without adding an endorsement.
• Without an endorsement, a laptop computer is generally covered for theft only at your home or your student’s dorm. Therefore, if you were using it at the coffee house or at a library and walked away for a second and it disappears, it is not covered.
• Your detached structures may require additional coverage based on the replacement value. Typically, a standard homeowners policy provides 10% of your dwelling amount.
• Example: Dwelling coverage is $100,000 x 10% = $10,000 for any detached structure. If your garage would actually cost $15,000 to rebuild, additional coverage for related structures would need to be added. 
• Business exposures, such as business property, are limited or possibly excluded under a standard homeowners policy. Liability claims related to a business risk at your home would likely be excluded unless it has been underwritten, accepted, and written into your policy by endorsement.

Every household is unique, and your insurance needs to be customized for your specific coverage needs.

Get the Right Insurance Coverage for Your Home

Your home is probably one of the biggest investments you'll make. Turn to the professionals at M.H. Smith Insurance for a home insurance plan that suits your budget and your needs.

Protect Your Home

Count on M.H. Smith Insurance to get protection against damage, theft, and vandalism. Our staff members will sit with you and discuss the various options you have so that you can make an informed decision.

Six Decades of Experience

For over 60 years, we have also protected our clients from the hefty repairs and high medical expenses associated with accidents at your home. We work with various insurance carriers for your convenience. Contact us today for a quote.