Home Insurance

Your home and belongings are an important part of your financial well-being. We can help you understand your coverage options and select protection that fits your needs.

Member Benefits' home policy highlights

Personal Guidance

Our Consultants can help you understand your options and available coverage so you can make informed decisions about protecting your home, family, and financial well-being.

Coverage, discounts, limits, deductibles, eligibility requirements, conditions, and exclusions vary by policy. Your policy, declarations page, and applicable endorsements determine the coverage and benefits that apply.

Five Pillars of Home Insurance

Coverage for your home.

Protects the dwelling and attached structures when damaged by a covered loss. The amount of coverage should reflect the cost to rebuild your home using current labor and material costs, not the market value, assessed value, or purchase price of your home. If you add on to your home or make significant improvements, make sure to let your insurance carrier know so your coverage meets your needs.

For eligible homes, additional rebuilding protection may be available if the cost to rebuild exceeds the Dwelling Limit after a covered loss.

Protection beyond your home.

Your property may include more than just your house. Other Structures Coverage helps protect detached garages, sheds, fences, driveways, and other qualifying structures on your property when damaged by a covered loss.

Coverage for your personal belongings.

Protects personal property such as furniture, clothing, electronics, and other belongings damaged by a covered loss.

For valuable items such as jewelry, collectibles, artwork, firearms, musical instruments, or similar property, additional coverage may be available to provide broader protection and higher limits.

Personal liability protection.

Every WEA Member Benefits’ home policy includes $500,000 of Personal Liability Coverage.

This coverage helps protect your assets if you are legally responsible for bodily injury or property damage to others. Liability coverage generally follows you both at home and away from home.

Examples may include:

• A guest is injured on your property.
• Your child accidentally damages someone else’s property.
• You are found legally liable for injuries to another person.

Additional living expenses.

If a covered loss makes your home temporarily unfit to live in, this coverage helps pay the reasonable increase in living expenses while repairs are being completed.

Covered expenses may include:

• Temporary housing
• Hotel expenses
• Additional food costs
• Other necessary living expenses

Coverage, discounts, limits, deductibles, eligibility requirements, conditions, and exclusions vary by policy. Your policy, declarations page, and applicable endorsements determine the coverage and benefits that apply.

Deductibles

Your deductible is the amount you are responsible for paying toward a covered property claim before the insurance payment is calculated.

For example, if a covered loss causes $15,000 in damage and your deductible is $2,500, the insurance payment would generally be based on the remaining $12,500, subject to the policy’s terms, conditions, and limits.

Choosing the right deductible.

A higher deductible can lower your premium, but it also increases the amount you would pay out of pocket after a covered loss. When selecting a deductible, consider:

• • The amount you could comfortably pay in an emergency.
  • The premium savings associated with a higher deductible.
  • The deductible options available for your policy.
  • Whether different deductibles apply to different types of losses.

Wind and hail deductible.

A minimum $2,500 deductible applies to covered wind and hail losses.

Because wind and hail claims are among the most common and costly homeowner losses, it is important to understand how this deductible would apply before a loss occurs. Your consultant can help review your specific deductible options and explain how coverage would respond in the event of a claim.

Coverage, discounts, limits, deductibles, eligibility requirements, conditions, and exclusions vary by policy. Your policy, declarations page, and applicable endorsements determine the coverage and benefits that apply.

Why choose WEA Member Benefits home insurance?

Home insurance is more than protecting a house. It’s about protecting your home, your belongings, and your financial well-being. WEA Member Benefits offers coverage designed specifically for Wisconsin public school employees and their families.

Additional rebuilding protection for eligible homes.

Eligible homes may qualify for additional protection if rebuilding costs after a covered total loss exceed the dwelling coverage limit.

Coverage designed for educators.

Our policy includes benefits specifically designed for public school employees, including coverage for certain personal property losses on school premises and classroom-related preparation materials.

$500,000 personal liability protection.

Every home policy includes $500,000 of personal liability coverage to help protect your assets if you are legally responsible for bodily injury or property damage to others.

Coverage that keeps pace with change.

Dwelling coverage is reviewed and updated to reflect changes in rebuilding costs to help maintain appropriate protection for your home.

Trusted Wisconsin expertise.

WEA Member Benefits was created to serve Wisconsin public school employees and their families. Our local insurance, underwriting, and claims professionals understand Wisconsin homes, weather risks, and the unique needs of our members. Whether you are purchasing coverage, reviewing your policy, or experiencing a loss, you’ll have a knowledgeable Wisconsin-based team by your side every step of the way.

Family eligibility.

Eligible family members may also participate in the insurance program. Once enrolled, continued eligibility may be available even if employment circumstances change.

Coverage, discounts, limits, deductibles, eligibility requirements, conditions, and exclusions vary by policy. Your policy, declarations page, and applicable endorsements determine the coverage and benefits that apply.

Quick quote

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