Category: Home Insurance

Winter Saving Tips

With old-man winter knocking on our door, we would like to share some Winter Tips and Tricks that we received from our friends at Trac Solutions of Western Wisconsin & Steamatic Restoration & Cleaning.  Here are some suggestions you should keep in mind this winter to prevent damage to your home.

– Turn off outdoor water and unplug garden hoses.

– Change all furnace filters.

– Keep your furnace running at 50 degrees or above.

– If you leave for extended periods of time, be sure to have someone look over your home periodically.

– Never leave fires unattended, whether it be a candle or a fireplace.

– Keep an emergency kit under your kitchen sink and in your car

– Invest in pipe insulation if you know your home and pipes are susceptible to freezing

– Keep garage doors closed to trap in heat

– In severely cold weather, keep water dripping and keep cabinets open to prevent frozen pipes

– Make sure you have enough insulation in your attic and basement

– Remove excess snow from areas in your roof that may form ice dams

How much are your Fire Department service charges?

After you experience a fire at your home, seasonal, rental, or farm property the last thing you should have to worry about is an unexpected bill in the mail from the fire department.  Many policies have an automatic limit of $500 for fire department charges, which in the past was enough to cover those charges.  But things have changed, and as your agency we want to make sure you are informed about the changes.


We have found that some fire departments have raised their minimum fee to $1,000.  We recently heard from an insurance company we represent that a client who experienced a house fire received a bill from the fire department in excess of $5,000!  A situation like that would hit your pocketbook hard.


  • Check with members of your town board, or your servicing fire department to find out how they determine their charges
  • Find out if there is a maximum amount they will charge in the event of a fire.
  • Ask whether additional charges will be assessed if other local fire departments are brought in to assist.
  • Inquire about the possibility of extra charges if heavy equipment such as backhoes are being used to aid in fire suppression.


Depending on your insurance company, you may be able to purchase additional coverage limits at a fairly reasonably rate.  Cost is typically between $10 – 20 per $1,000 coverage.


If you have additional questions, or want a price quote, please give us a call, or stop in.  Our All-Time Insurance staff always is happy to provide you with the information you need in order to make informed decisions about your insurance coverage.