Home Insurance
Your home is likely your biggest investment. Protect it with comprehensive homeowners insurance from Schofield Insurance. Serving homeowners throughout Schofield, Wausau, Rothschild, and Weston, WI.
Protecting Your Central Wisconsin Home
For families in Schofield, Wausau, Rothschild, and Weston, your home is more than walls and a roof—it's where you raise your children, host holiday gatherings, and build memories. At Schofield Insurance, Scott and Davis Hackbarth understand the importance of protecting what matters most. We work with over 23 insurance carriers to find comprehensive coverage that fits your budget.
Wisconsin homeowners face unique challenges. Harsh winters bring ice dams, frozen pipes, and heavy snow loads. Spring storms can cause wind and hail damage. Our local expertise means we know exactly what coverage Central Wisconsin homeowners need—because we protect our own homes the same way.
What Does Homeowners Insurance Cover?
Dwelling Coverage
Covers the cost to repair or rebuild your home's structure after covered damage like fire, wind, hail, or falling trees.
Personal Property
Protects your belongings—furniture, electronics, clothing, and more—against theft, fire, and other covered perils.
Water Damage Protection
Covers sudden water damage from burst pipes, ice dams, and appliance failures. Note: Flood damage requires separate flood insurance.
Storm & Wind Damage
Central Wisconsin sees severe thunderstorms and high winds. Your policy covers roof damage, siding damage, and fallen trees.
Wisconsin Winter: Unique Home Insurance Considerations
Ice Dams: A Major Central Wisconsin Problem
Ice dams form when heat escapes through your roof, melting snow that then refreezes at the eaves. The resulting ice backup can cause significant water damage to ceilings, walls, and insulation. We've helped countless Schofield and Wausau homeowners navigate ice dam claims. Your homeowners policy typically covers sudden damage, but proper prevention (adequate insulation and ventilation) is key.
Frozen pipes are another common issue when temperatures drop well below zero—which happens regularly in Marathon County. Burst pipes can cause thousands of dollars in damage within hours. We'll make sure your policy includes proper water damage coverage and discuss ways to prevent frozen pipes in your specific home.
How Much Homeowners Insurance Do You Need?
Many homeowners confuse their home's market value with the amount of insurance they need. What matters is the replacement cost—how much it would cost to rebuild your home from scratch at today's construction prices. With labor shortages and material costs rising, this number is often higher than you'd expect.
We'll calculate an accurate replacement cost estimate based on your home's size, construction materials, special features, and local building costs in the Wausau area. Being underinsured could leave you paying tens of thousands out of pocket after a major loss.
The Schofield Insurance Advantage
As an independent agency, we don't work for any single insurance company—we work for you. We'll compare homeowners policies from carriers like West Bend, Acuity, Travelers, IMT Insurance, and more to find the best combination of coverage and price. Many clients save hundreds per year by bundling home and auto insurance.
When you need to file a claim, you won't be on your own. Scott and Davis are available to help you document damage, understand your coverage, and advocate with the insurance company. That's the difference between working with a local, family-owned agency versus a faceless corporation.
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Home Insurance FAQs
How much homeowners insurance do I need?
Your dwelling coverage should be enough to rebuild your home at current construction costs—not just its market value. We'll help you calculate replacement cost based on your home's square footage, construction type, and local building costs in Marathon County. Most homeowners are surprised to learn they're underinsured.
What does homeowners insurance cover?
Standard policies cover your dwelling, other structures (garages, sheds), personal property, liability, and additional living expenses if you can't live in your home. However, floods and earthquakes require separate coverage. We'll review your policy to ensure there are no gaps.
Is flood insurance required in Wisconsin?
While not required by state law, it's required if you have a mortgage on a property in a FEMA-designated flood zone. Even outside flood zones, we recommend considering it—25% of flood claims come from low-to-moderate risk areas. Spring snowmelt and heavy rains affect many Central Wisconsin properties.
How can I lower my home insurance premium?
We compare rates from 23+ carriers to find your best price. Other savings include bundling with auto insurance, increasing your deductible, adding safety features (smoke detectors, security systems), maintaining good credit, and asking about claims-free discounts.
What's the difference between actual cash value and replacement cost?
Actual cash value pays the depreciated value of damaged items (what they're worth today). Replacement cost pays to replace items with new equivalents. We recommend replacement cost coverage—otherwise, you'll pay out of pocket for the difference when replacing old items.
Does homeowners insurance cover ice dams and winter damage?
Yes, most policies cover sudden water damage from ice dams and frozen pipes. However, gradual damage from poor maintenance isn't covered. Wisconsin winters are harsh—we'll make sure you have adequate coverage for ice dam damage, which is common in Central Wisconsin homes.
How do I file a homeowners insurance claim?
Contact us immediately at (715) 359-6246. We'll guide you through the process, help document the damage, and advocate on your behalf with the insurance company. Our hands-on claims support is one of the biggest benefits of working with a local agent.
What is liability coverage and how much do I need?
Liability coverage protects you if someone is injured on your property or if you accidentally damage someone else's property. Standard policies include $100,000, but we often recommend $300,000-$500,000 or an umbrella policy for better protection against lawsuits.
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Compare rates from 23+ carriers and discover the peace of mind that comes with working with a local, family-owned agency.