Homeowners Insurance
Wisconsin

Your home is your family’s haven, your greatest investment, and where life’s most meaningful moments unfold.

At Colonial Insurance Agency, we understand how important it is to protect everything that makes your house a home. That’s why we offer tailored homeowners insurance coverage built around your needs, property, and peace of mind.

With over four decades of experience, we partner with top-rated insurance carriers to provide dependable protection backed by local knowledge and friendly expertise.

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Develop A Business Insurance Plan You Can Rely On

Property

Commercial property insurance protects your assets in the event that they are stolen, damaged or destroyed in a fire or natural disaster.

Liability

No matter the size and nature of your business, there are always uncertainties. We will work with you to determine your business risks and put together an insurance package that ensures protection.

Auto

Whether you have one vehicle or a whole fleet, we can help you implement custom coverage that will protect your business and personal assets from the additional exposure that commercial vehicles bring.

Worker's Comp

Workers’ compensation insurance covers employees injured on the job or in auto accidents while on business. It also covers work-related illnesses.

Crime

Every company is a potential target for crime. We’ll work with you to design insurance coverage that helps minimize your risk and protect your business.

Umbrella

Commercial umbrella insurance is designed to supplement your existing insurance policies, giving you an additional layer of protection for your business.

Errors & Omissions

Errors and omissions liability insurance protects any business that gives advice, makes educated recommendations, designs solutions or represents the needs of others. We’ll offer coverage that ensures that one simple mistake does not cause financial ruin.

Employment Practices

As an employer, you face a rising tide of employment practice litigation with various allegation issues. We will work with you to help you assess and manage your risk proactively.

Directors & Officers

Directors and officers liability insurance covers directors and officers for claims made against them while serving on a board of directors and/or as an officer. We work with you to protect your organization’s important asset: your senior leadership.

Comprehensive Range Of Coverage Options

No two homes are alike, so Colonial Insurance Agency offers flexible policy options designed to meet the unique needs of homeowners throughout Wisconsin.

Dwelling Coverage

Your home’s structure is protected against covered events like fire, wind, hail, or vandalism. Whether you live in a historic house in Madison or a newer build in Menomonee Falls, dwelling coverage ensures your home can be repaired or rebuilt after damage, so you’re not left footing the bill alone.

Personal Property Coverage

From furniture and electronics to clothing and kitchenware, your belongings deserve protection too. If theft, fire, or another covered loss damages or destroys your possessions, personal property coverage helps you recover what’s lost. We’ll even help you identify high-value items—like jewelry or collectibles—that may need additional endorsements.

Liability Protection

Accidents happen, even at home. Liability coverage steps in if a guest is injured on your property or you’re found responsible for property damage elsewhere. It helps cover legal fees, medical costs, and potential settlements, offering you financial protection and peace of mind.

Loss Of Use (Additional Living Expenses)

If your home becomes uninhabitable due to a covered event, this coverage pays for temporary housing, meals, and other living expenses while repairs are underway. You won’t have to worry about extra costs adding stress during a challenging time.

Optional Coverages

You can also enhance your policy with optional protections like: Water Backup Coverage Equipment Breakdown Protection Scheduled Personal Property Endorsements Flood or Earthquake Coverage (available separately) We’ll walk you through each option to ensure you only pay for what you truly need—and nothing you don’t.

Why Homeowners Insurance Matters In Wisconsin

Wisconsin’s weather can be unpredictable—harsh winters, heavy rains, and windstorms are part of life here. Whether it’s snow damage in Waukesha or a fallen tree in Green Bay, we help ensure you’re covered. Beyond weather, risks like burglary, fire, and liability claims can occur when you least expect them.

At Colonial Insurance Agency, we believe protecting your home should never feel overwhelming. We work with multiple insurance companies to find a policy tailored to your lifestyle, home type, and budget.

What Our Clients Are Saying

Colonial Insurance Agency is committed to providing our clients with the exceptional service that they deserve.

Dan provides exceptional service and expertise! He tailors the perfect coverage to fit needs and budget, explaining everything clearly and promptly addressing any questions. I highly recommend him for anyone seeking reliable insurance guidance.

We have been with Colonial Insurance for many, many years and have received nothing but five-star service. Don and Dan MacLeod and their staff have been amazing to work with. Our two children are also with Colonial and are very happy as well.

Jack Larsen has done a great job quoting everything from auto, home, and business insurance for me and my family. He is professional, knowledgeable, and prompt with his communication and work. I would recommend Jack and Colonial for any and all insurance needs.

Protecting Your
Home. Work. Future.

Frequently Asked Questions

How much homeowners insurance do I need in Wisconsin?

It depends on the replacement cost of your home, the value of your personal belongings, and your overall liability exposure. We help you calculate the appropriate coverage levels so you’re never underinsured or overpaying.

Does homeowners' insurance cover flooding or sewer backups?

Standard homeowners’ policies typically do not cover flooding or water backups. However, we offer optional coverage through endorsements or separate policies. We’ll help you decide if it’s right for your situation.

Can I lower my homeowners insurance premium?

Yes. Increasing your deductible, bundling with auto insurance, improving home security, or upgrading your roof or systems can reduce your premium. We’ll review your options and apply all available discounts.

What’s the difference between market value and replacement cost?

Market value reflects what your home would sell for today, while replacement cost is what it would take to rebuild your home using similar materials. Homeowners’ insurance is based on replacement cost to ensure full protection in case of a loss.

How do I file a homeowners insurance claim with Colonial Insurance Agency?

If the unexpected happens, contact us right away. We’ll walk you through the claims process, help you gather necessary documentation, and advocate for you with the insurance carrier. Our goal is to make the process as smooth and stress-free as possible.

Get A Free Homeowners Insurance Quote Today

Whether buying your first home or looking to update your current coverage, we’re here to help you every step of the way. At Colonial Insurance Agency, we make shopping for homeowners insurance in Wisconsin simple, clear, and affordable.

Call us at (262) 255-3770 to speak with our experienced team, or visit our website to get a free quote online. Let us help you protect your home, family, and future—with coverage you can count on, from a team you trust.

Colonial Insurance Agency specializes in all aspects of business and personal insurance. Contact us anytime for the best service and advice for all your insurance needs.

Homeowners Insurance
Wisconsin