Summer in Oak Creek and the surrounding communities means family vacations, road trips, backyard gatherings, boating on Lake Michigan, summer storms, and enjoying everything Southeastern Wisconsin has to offer. It’s also one of the busiest times of the year for home and auto insurance claims.
At the Bremberger Insurance Agency, we work with families throughout Oak Creek, Franklin, Milwaukee, Brookfield, Waukesha, New Berlin, and surrounding communities to help make sure they are properly protected before problems happen.
Here are some important summer insurance tips and things Wisconsin homeowners and drivers should keep an eye on this season.
Auto Insurance Tips for Wisconsin Summers
Review Your Coverage Before Summer Travel
Summer is road trip season throughout Wisconsin and beyond. Whether you are heading Up North, to Summerfest, or taking family vacations, it is a great time to review your auto insurance policy.
Make sure you understand:
- Your liability coverage limits
- Collision and comprehensive deductibles
- Rental car reimbursement
- Roadside assistance coverage
- Uninsured and underinsured motorist protection
Many drivers are surprised to learn they may not have enough coverage after a serious accident.
The Bremberger Insurance Agency Auto Insurance Page discusses customized auto coverage options available throughout Wisconsin.
Summer Storms & Hail Damage
Southeastern Wisconsin summers can bring severe thunderstorms, hail, heavy rain, and strong winds that can damage vehicles quickly.
Helpful reminders:
- Park inside garages or covered areas whenever possible
- Review your comprehensive coverage
- Take photos immediately if storm damage occurs
- Keep emergency kits in your vehicle during severe weather season
Comprehensive coverage is typically what protects your vehicle from hail, falling trees, vandalism, and storm-related damage.
Recreational Vehicles Need Proper Coverage
Summer in Wisconsin also means:
- Boats
- Jet skis
- Motorcycles
- Campers
- ATVs
- Golf carts
Many people assume these are automatically covered under their home or auto insurance policy, but that is often not the case.
The Bremberger Insurance Agency Specialty Insurance Page highlights coverage options for recreational vehicles and summer toys throughout Wisconsin.
Home Insurance Tips for Oak Creek Area Homeowners
Inspect Roofs & Gutters After Storms
Summer storms in Southeastern Wisconsin can expose roofing issues quickly.
Check for:
- Missing shingles
- Hail damage
- Loose siding
- Clogged gutters
- Water intrusion around windows or basements
Small maintenance issues can turn into major insurance claims if they are ignored.
Understand Flood & Water Backup Coverage
One of the biggest misconceptions homeowners have is believing flood damage is covered under a standard home insurance policy.
In most cases:
- Flooding from rising water is NOT covered
- Sewer or drain backup coverage is usually optional
- Sump pump failures may require additional endorsements
With heavy summer rains becoming more common in Wisconsin, it is important to review these coverages with your insurance agent.
The Bremberger Insurance Agency Homeowners Insurance Page provides additional information about protecting Wisconsin homes and families.
Backyard Liability Risks Increase During Summer
Summer gatherings can also increase liability exposure for homeowners.
Common risks include:
- Swimming pools
- Trampolines
- Fire pits
- Dog bites
- Slip-and-fall accidents
- Outdoor entertaining
If you recently added a trampoline, pool, or other backyard features, make sure your insurance company is aware and your liability coverage is adequate.
Protect Your Home While Traveling
If your family is traveling this summer:
- Pause mail deliveries
- Use timers for lights
- Lock garages and sheds
- Avoid posting vacation updates publicly in real time
- Consider cameras or alarm systems
Vacant homes are more vulnerable to theft and vandalism during vacation season.
Rising Repair & Rebuilding Costs Matter
Many Wisconsin homeowners are still seeing increased construction and repair costs. Vehicle repair costs have also risen significantly over the last several years.
That makes this a great time to review:
- Home replacement cost coverage
- Dwelling limits
- Personal property limits
- Auto deductibles
- Umbrella liability protection
Having the cheapest policy does not always mean having the best protection when a claim happens.
Many Wisconsin residents on Reddit have recently discussed rising premiums and the importance of working with trusted independent insurance agents who can compare multiple companies and review coverage options carefully.
Local Insurance Guidance You Can Trust
At the Bremberger Insurance Agency, we proudly serve families throughout Southeastern Wisconsin by helping clients find the best combination of coverage, protection, and value for their insurance needs. As a local independent agency based in Oak Creek, we understand the unique risks Wisconsin homeowners and drivers face throughout the summer season.
If you would like a complimentary insurance review for your home, auto, rental properties, life insurance, or recreational vehicles, we would love the opportunity to help.
Stay safe, enjoy your summer, and please reach out anytime if you have questions about your insurance coverage.
Jim Bremberger has worked in the insurance industry since 2009, gaining extensive experience with minor and significant claims that can significantly impact a family without adequate coverage. By joining the independent sector and teaming up with many insurance carriers, he can offer exceptional coverage at competitive rates for residents all over Wisconsin.