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Understanding Homeowners Insurance Policies

by James Bremberger | Sep 22, 2024 | Insurance Buying Resources
Homeownership is a significant milestone, but with this accomplishment comes the responsibility of protecting your property. Homeowners insurance is vital in safeguarding one of your most valuable assets from unexpected events such as natural disasters, theft, or...
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   Bremberger Insurance Agency
   109 Google reviews 
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   Donald Graf 
 5 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. I had a great experience working with the Bremberger insurance agency. Jim Bremberger took the time to answer all of my questions and found the policies that worked for us. I read previous reviews on the agency and was impressed so I looked Jim up and he did not disappoint.
  
 
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   Holly Maus 
 1 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. I highly recommend Jim! He helped us save a significant amount of money while actually getting us better coverage. He is professional, considerate, responsive, and genuinely cared about helping us. A great experience with a great person. We are very grateful for his help!
  
 
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   Jacqueline Galan Fuentes 
 2 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Quick and easy to work with . Looks for the best deals according to each situation, we would definitely recommend.
  
 
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   Diane Potos 
 1 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. I called Jim in a panic because my insurance was no longer available in WI.  Jim called me right away and was able to get insurance set for me and saved me money!  I was so impressed with his promptness in solving my insurance needs.  I highly recommend Jim and plan on staying with him for a long time!
  
 
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   Jerry 
 1 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. My wife and I just moved over to Jim and his team and so far it has been great. We were with AMFAM for 28 years. Jim has saved us $700-1000 dollars per year along with lowering our deductible and increasing our coverage. Jim has done an excellent job  communicating with us also. We are very happy we made the switch.
  
 
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   Jeffrey Sizemore 
 1 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Excellent customer service and always gets my wife and I very best coverage and rates.  We have used Jim mulitple times over the past ten years and highly recommend him.
  
 
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   Rick Fogl 
 29 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. Jim is very knowledgeable in explaining to us our insurance needs for Home & Auto.  Compared current polices to new ones and was able to find us better coverage for both Home & Auto.  With the bonus of over $1,000.00 in savings.  Great job Jim.  We are proud to be a part of your insurance family.  Thank you.  Kathy & Rick Fogl
  
 
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   William Fogl 
 28 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. Jim is great to work with.  Quick and easy process.  Great experience, Thank you.
  
 
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   Amber Della Bianca 
 28 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. Bremberger Insurance goes above and beyond to help clients! Highly recommend!
  
 
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   juan laureano 
 24 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. I have been with Bremberger Insurance Agency for a few years now, and I am completely satisfy with the service and attention I have received with issues and questions.. Last year I had a wind / hail storm come through, and without any hiccups, had all repairs done in a timely manner. My agent, Jim was able to shop around and present me with the best Home and Auto bundle package.
  
 
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   Daryl Lessard 
 19 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. Honest and friendly
  
 
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   Jim Schwandt 
 10 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. Highly recommend this agency
  
 
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   C S 
 13 July 2026
 
 
 Trustindex verifies that the original source of the review is Google. I’m so pleased Jim was fantastic. My previous insurance of ten years was putting me in a bind and a friend recommended Jim. Jim ha me up and running with a better insurance in one day. He is knowledgeable, fast, and thorough, and most importantly trustworthy. Thanks Jim I wish I would have found you 10 years ago. Give Jim a call he will get it done for you.
  
 
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   Kathy Mather 
 6 July 2026
 
 
 Trustindex verifies that the original source of the review is Google. The service we received was excellent.  The speed, clarity, and communication was very impressive...not to mention the huge savings on home and auto policies!! Thanks so much!!
  
 
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   Neil Hawes 
 2 July 2026
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service, prompt and saved money.  You can't ask for anything more.
  
 
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   Joe Lehmann 
 10 June 2026
 
 
 Trustindex verifies that the original source of the review is Google. Great, personal service and Jim has saved my family and myself money on our premiums. Can't say enough about this company!
  
 
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   David Milhans 
 1 June 2026
 
 
 Trustindex verifies that the original source of the review is Google. Easy to work with very helpful and saved me money!
  
 
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   Trevor Deck 
 29 May 2026
 
 
 Trustindex verifies that the original source of the review is Google. Jim always goes above and beyond to find our family the best rates.  People often say that good service doesn’t come with low price but his agency executes both: GREAT service and LOW price.  Ditch the big box insurance and save some money with Jim and his team.  You’ll wish you did it sooner.
  
 
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   Roechelle Haupt 
 22 May 2026
 
 
 Trustindex verifies that the original source of the review is Google. Best choice we made! Jim not only took a great amount of time to find us better rates. but also found better coverage for less. He is thorough explaining all the details, options and so patient, as we had the same big name company for 30 years. Highly recommend and have already to family and friends.
  
 
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   Amanda Christoferson 
 20 May 2026
 
 
 Trustindex verifies that the original source of the review is Google. They were easy to work with, walked me through everything and found both home owners insurance and auto insurance,at a better price then the company I'd with for over 10 years
  
 
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   Leewauna Epps 
 9 May 2026
 
 
 Trustindex verifies that the original source of the review is Google. First time buying a home and bundled car with home owners. Got better coverage on auto, AAA membership, plus savings. So awesome! Thank You all so much! Will definitely recommend!
  
 
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   Michelle Gronkowski 
 7 May 2026
 
 
 Trustindex verifies that the original source of the review is Google. Jim was great to work with in changing over our insurance to a better price.  It was quick and easy and not a lot of time taken out of our busy schedule.  Thanks for all that you did Jim.  Great experience.  Shout out to Julie for the referral.
  
 
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   Jonathan Gibbons 
 6 May 2026
 
 
 Trustindex verifies that the original source of the review is Google. James is great worked with him for years he’s always quick with responding and great customer service
  
 
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   Sherry Polasek 
 29 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. Wonderful agent. Finds the God prices and tentative to your needs
  
 
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   Glenda Odua 
 29 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. Mr. Bremberger was an excellent agent. He made the process simple , clearly explained each step and answered all of my questions . He also provided me with the best rate possible.
  
 
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   Holger Wienzek 
 17 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. fast, friendly, complete consultation, highly reliable,
  
 
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   Jackson Lyman 
 16 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. Great guy! Great rates!
  
 
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   Ken Hecker 
 16 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. Great customer service by Jim. Being an independent agent he can look for the lowest rates  I called to get a quote for Auto/Home owners insurance. Being an independent agent he will find the best quote. He saved me $$$ on both my homeowners and auto insurance and had it set up the same day. Jim is great at returning my calls. Thanks Jim
  
 
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   Shayla Otis-Gesell 
 15 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. I just started working with Jim last week to secure homeowners insurance for my first house. He was recommended by my mortgage officer. Jim has been extremely responsive, he found me an unexpectedly low and affordable rate for my home insurance and he also saved me $100 a month on my car insurance by finding a better carrier for me. I was so impressed I recommended him to my parents and my partner who also had positive experiences.
  
 
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   TRACY ALVAREZ 
 15 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. I had an excellent experience with Jim. He worked really hard and saved me a lot of money with my policies. I feel confident that Jim will  take care of us if we should ever need to make a claim. I highly recommend!
  
 
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   Kaley Renee 
 15 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. Jim has been fantastic! We’re new homeowners and he got us the best deal for auto and home insurance. He has made the process so smooth and easy for us. Would 10/10 recommend to anyone looking!
  
 
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   Lynn 
 6 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. My husband and I have been in the insurance industry in various roles for most of our careers, so we ask a lot of questions of our insurance agent and expect a professional who knows the policies they are selling inside and out.

Jim did a great job navigating our transition to his agency, understanding that though we don't want to overpay for coverage we aren't looking for just a cheap price either.  He made sure all of our questions were answered, the additional coverages that we were looking for were added and that we were placed with a quality insurance carrier.

If you want an insurance professional who takes his time, listens to your concerns, answers your questions and makes sure he gets it right, then contact Jim at Bremberger Insurance Agency.  You will be glad you did!
  
 
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   Brad Q 
 2 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. Very responsive and always professional. I am glad I chose Jim Bremberger to be my insurance agent! I highly recommend Bremberger Insurance Agency!
  
 
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   Brandon Garcia 
 28 March 2026
 
 
 Trustindex verifies that the original source of the review is Google. James Bremberger is so easy to work with. Exceptional customer service. He went out of his way to get me a good deal in a pinch during my refinance on my house. Very professional and not pushy. I would highly recommend working with him. Very knowledgeable and friendly. Give him a shot.
  
 
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   Rachel Gagliano 
 25 March 2026
 
 
 Trustindex verifies that the original source of the review is Google. My husband and I are first time homeowners in the process of purchasing our first house. The Bremberger group was recommended to us for our home insurance. From the moment I first spoke to Jim, I knew he was on top of everything and found us the best quote to bundle our home and auto insurance. Jim was extremely efficient and pleasant to work with. We look forward to using the Bremberger group for many years to come.
  
 
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   Brent Thiede 
 23 March 2026
 
 
 Trustindex verifies that the original source of the review is Google. Helped me save over 1500 a year on homeowners insurance, and about 25 a month on auto
  
 
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   Stephanie Scherrer-Koppa 
 13 March 2026
 
 
 Trustindex verifies that the original source of the review is Google. Super experience working with Jim. He’s responsive and always answers any questions I have in a timely manner.  He’s also found us savings with insurance policies more than once. Definitely recommend!
  
 
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   Corissa Klages 
 4 March 2026
 
 
 Trustindex verifies that the original source of the review is Google. Best Insurer Ive had.
  
 
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   Delroy Miller 
 25 February 2026
 
 
 Trustindex verifies that the original source of the review is Google. Got me a great rate at Progressive!
  
 
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   Adam Trease 
 20 February 2026
 
 
 Trustindex verifies that the original source of the review is Google. Couldn’t be Happier with my experience with Jim. He made swapping my home and auto insurance so easy for me, fast and responsive communication, and even saved me some money! What else can you ask for, I highly recommend using Bremberger Insurance Agency.
  
 
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   Ashley Ross 
 19 February 2026
 
 
 Trustindex verifies that the original source of the review is Google. Jim was a super friendly, easy, and professional guy to work with! He was very patient with us as we shopped around with different insurance agencies. The choice to work with Jim was a no brainer. He saved us quite literally 50% of what we were paying for our auto insurance, and found us a great deal on homeowners insurance. He is always so quick to answer questions an just made the insurance shopping insurance so simple. Would recommend to anyone!
  
 
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   David Steger 
 12 February 2026
 
 
 Trustindex verifies that the original source of the review is Google. Working with Jim Bremberger was quick and easy.  Saved me around $1500 annually over previous insurance for four vehicles, house and an umbrella policy.  Would highly recommend.
  
 
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   Jared Roberts 
 16 January 2026
 
 
 Trustindex verifies that the original source of the review is Google. I can’t say enough good things about Bremberger Insurance Agency. They took the time to walk me through all my options in a way that was easy to understand and never pressured me into anything I didn’t need. The entire process was smooth, fast, and stress-free.
Whenever I’ve had questions or needed help, their team has been quick to respond and genuinely cared about making sure I had the right coverage. It’s refreshing to work with a group that’s this knowledgeable, honest, and professional. I highly recommend Bremberger Insurance Agency to anyone looking for reliable and trustworthy insurance service
  
 
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   Andy Soiney 
 15 December 2025
 
 
 Trustindex verifies that the original source of the review is Google. I'm a Real Estate Agent and switched to Jim this year, I've also recommended him to numerous clients when they were denied insurance by their carrier.   He's local, returns calls, and got me better coverage at a cheaper rate.   Myself and my clients have done well by him.   I will say if you are trying to buy a home and your current carrier says they wont insure it, I can guarantee Jim will be able to get the job done.  I think integrity is sorely lacking in most industries, but Jim has helped me out many times this year due to his ethics and integrity.  Will always recommend him!
  
 
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   Chloe Delord 
 10 December 2025
 
 
 Trustindex verifies that the original source of the review is Google. Thank you for the great service and great communication!!
  
 
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   Lex Jaramillo 
 9 December 2025
 
 
 Trustindex verifies that the original source of the review is Google. I’ve known Jim for a few years, and I can honestly say he runs his insurance agency with the kind of care and attention you just don’t find everywhere. He takes the time to actually get to know your situation, explains everything clearly, and makes sure you understand all your options- no pressure, no hassle.

As someone who really values trust and good communication, I appreciate how easy he makes the whole process. Whether you’re reviewing your current coverage or starting fresh, he’s the guy you want in your corner. If you’re in the Oak Creek area and want an insurance experience that feels personal and reliable, I’d definitely recommend giving him a call.
  
 
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   Steven Strube 
 8 December 2025
 
 
 Trustindex verifies that the original source of the review is Google. I couldn’t be happier with the service I received. Not only was I provided incredibly low insurance rates, but the communication throughout the entire process was exceptional. Every phone call was handled promptly, professionally, and with a level of customer service that’s hard to find today. I highly recommend this company for anyone looking for great rates and outstanding service.
  
 
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   James Ko 
 22 November 2025
 
 
 Trustindex verifies that the original source of the review is Google. Jim was so great to work with. He found us the best deal on our home and auto insurance. Would be happy to recommend him to anyone for your insurance needs.
  
 
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   mason 
 13 November 2025
 
 
 Trustindex verifies that the original source of the review is Google. I started off looking for my own policy and Jim was able to find me the best rate that fits within my budget. The service was fast, friendly, and very professional. He made everything simple and stress-free, and I ended up saving money while getting great coverage. Highly recommend to anyone looking for an insurance team that truly cares!
  
 
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   Dajuanna Taylor 
 15 October 2025
 
 
 Trustindex verifies that the original source of the review is Google. Have the best quotes!
  
 
 
  
 
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