Better than ever home policy

...provides even more protection for Wisconsin educators.

 

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Insuring your home is about protecting your investment and personal property. It’s also about protecting your family from loss that could be financially devastating. What’s in your policy, how much protection you have, and whether your insurance will come through when you need it most are key factors for avoiding costly surprises.

Since our inception, WEA Member Benefits has focused on providing superior coverage and claims experience for Wisconsin public school employees. Our unique mission makes it easy to do what’s in the best interest of our participants.

WEA Member Benefits is now providing enhanced and expanded coverages for our participants and their families. These changes are the result of a year-long process of rewriting our home policy. For this process, we had two goals in mind:

1. Make the policy easier to read and more member-friendly, and provide clarity about what the policy covers. Industry wide, policies tend to be written like technical or legal documents that are not consumer-friendly. Our new policy is designed with an emphasis on financial education and includes features such as a table of contents, definitions of key words, and steps to take in case of an accident or loss. We want to make it easier to understand your policy coverages so you can be confident in what you are receiving for your premium dollar.

2. Enhance and expand coverages that add value and provide greater protection. More than a dozen changes were made to the policy to increase your coverage. For example, we enhanced and extended the Guaranteed Replacement Cost (GRC). Our GRC means we will pay the full cost to repair or replace your home even if that cost exceeds your policy. We guarantee it! In the past, to be eligible for GRC your home had to be less than 50 years old. Under the new policy, GRC eligibility includes homes built during or after 1950. And, for those homes that were built prior to 1950, we added Extended Replacement Cost, which provides up to 125% of the dwelling limit on your policy.

In addition, because we serve the education community, we understand the unique risks for financial loss that go with the profession. So we increased coverage for personal property losses on school premises—regardless of the cause of loss—to $2,000. We also added coverage up to $500 ($100 per hour) for loss of preparation materials for classroom-related activities that were either stolen or damaged by a covered loss. Plus, deductibles don’t apply.

Our exceptional Guaranteed Replacement Cost coverage just got better.

ENHANCED! If your home was built in 1950 or later, we will pay the full cost to repair or replace your home with materials of like kind and quality without the limits imposed by most other insurers.

NEW! Extended Replacement Cost for homes built before 1950 allows for up to 125% of the dwelling limit on your policy. (Certain restrictions may apply.)

 Increased coverages

  • Loss on School Premises. Coverage increased to $2,000 All peril! No deductible!
  • Loss of Business Property while on insured premises. Coverage increased to $3,000.
  • Loss of Business Property while away from insured premises. Coverage increased to $1,500.
  • Dismounted Campers /Trailers. Coverage increased to $1,500.
  • Credit Card Loss/Theft. Coverage increased to $1,500.
  • Damage to Property of Others. Coverage increased to $1,500. #increasecoverage
  • Medical Payments. Coverage increased to $5,000.

New coverages

  • Loss of Prep Materials up to $500. No deductible!
  • Replacement Garage Door Opener Coverage. Up to $500 to replace stolen garage door openers. No deductible!
  • Digital Media Recovery Coverage. Up to $1,500.

Waived Deductible on Identity Theft claims.


Property and casualty insurance programs are underwritten by WEA Property & Casualty Insurance Company. The terms and conditions of your coverage are exclusively controlled by your written policy. Please refer to your policy for details. Certain policy exclusions and limitations may apply.

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