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The Advantages and Disadvantages of Term Life Insurance

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When considering life insurance, there are different types to choose from. Whole life and term life are the two main types of life insurance available. Term life is popular, but many people prefer whole life insurance. With whole life insurance, you can keep the policy for as long as you like once you have it. However, a term life policy doesn’t work this way. If you’re interested in term life or whole life, contact us at Johnsen Insurance in Baraboo, WI.

Cost Considerations

One of the significant advantages of a term life insurance policy is that it costs far less than a whole life policy. These policies can be much more affordable than whole life policies, attracting many customers. When it comes to a tight budget, it might come down to either getting a term life policy or not having a policy at all. However, it’s important to have life insurance at all times, so a term life policy may be just what you need.

Policy Duration

One of the significant disadvantages of a term life policy is that it comes with an expiration date. After a certain number of years, the policy will expire. This expiration date marks the end of the policy, and you will no longer be covered after it. You would then have to get a new policy to have coverage again. Some people don’t prefer these policies because they do expire, but it may be what is needed to fit in the budget.

Securing Life Insurance in Wisconsin

A life insurance policy is essential, regardless of which type is right for you. Contact us at Johnsen Insurance in Baraboo, WI, to learn more about the various types.

How Auto Insurance Protects You When Using Your Car for Business

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Many people use their personal vehicles for work without realizing that a standard auto insurance policy may not provide the protection they need. Whether you’re delivering goods, driving clients, or using your car for any business-related purpose, it’s essential to have the right coverage. At Johnsen Insurance, we provide auto insurance to residents in the greater Baraboo, WI, area and help drivers understand how their auto insurance can protect them while using their vehicles for work.

Understanding the Limitations of Personal Auto Insurance

A personal auto insurance policy is designed for everyday driving, such as commuting or running errands. However, things get more complicated once you start using your vehicle for business. Many standard policies exclude coverage for accidents that occur while the car is being used for work-related purposes. That means if you’re in an accident while making deliveries or transporting clients, you could be left paying out of pocket for damages and liability costs.

The Role of Commercial Auto Insurance

A commercial auto insurance policy is often the best solution if your vehicle is essential to your job. This type of coverage is specifically designed for business use, offering protection for property damage, liability, and even medical expenses in the event of an accident. It ensures that both you and your vehicle are covered, reducing the financial risks associated with work-related driving.

Securing the Right Coverage for Your Needs

Using your car for business without the proper insurance can leave you vulnerable to costly claims. Johnsen Insurance, serving the Baraboo, WI region, can help you find the right auto insurance policy to fit your needs. Contact us today to ensure you’re fully protected while on the road for work.

The critical role of liability protection in commercial insurance

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Business owners in the Baraboo, WI area should be aware of the daily threats to their business. These threats come from more than competitors, cyber-criminals, internal, and external threats. They include liability claims.

Liability claims can come from various sources, including customers, potential customers, and others your business may interact with daily.

In today’s litigious environment, small and large businesses can be easy targets. At Johnsen Insurance, we want you to be aware of the value liability insurance provides for your business.

Accidents and Falls

Accidents and falls that may occur at your business or as the result of an employee’s action could result in significant damage or injury claims. Liability insurance can help cover any judgments or settlements involved in a lawsuit.

Legal Costs

Legal costs involved in a liability claim against your business can be expensive, no matter the result of the claim. Commercial liability insurance can help cover the legal and court costs associated with claims against you.

Error and Omissions Coverage

If your business provides professional services like accounting, legal, or investment services, errors and omissions insurance or malpractice insurance can be extremely valuable. Mistakes happen, and your professional liability coverage can help.

Employee Actions

As a business owner, you can be held liable for your employee’s actions, which can be costly. Liability insurance provides protection should one of your employees be responsible for a customer’s injury or financial loss.

The Importance of Liability Coverage for Your Business

Protecting your company from theft, weather damage, and cybercrime is important. But so are the threats of financial loss from liability claims. Johnsen Insurance of Baraboo, WI, can help ensure you are covered. Contact us for a free quote for your business today.

Marriage, Divorce, and Home Insurance

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A home is more than just a property. It’s where life happens. Sometimes, these developments are good. Other times, these developments may not be as desirable. Unfortunately, both can affect things like home insurance coverage. Whether it’s marriage, divorce, or even the passing of a loved one, your home insurance policy will change to reflect these life circumstances. While it’s not always the most comfortable topic, here’s what you need to know about marriage, divorce, and other life circumstances and how they affect home insurance. No matter what may occur, we here at Johnsen Insurance in Baraboo, WI are always ready to support you.

How Does Marriage, Divorce, Death, and More Affect Home Insurance?

Who is on your policy can matter much more than you know. For example, adding someone to your policy whom you’ve married can serve to reduce premiums and make home insurance more affordable for both of you. Divorce, on the other hand, can become complicated. If the house is under your name and your spouse’s, you’ll have to file to remove them and get a new policy, which may cost more. Losing a loved one can also impact a policy as they will no longer be around to be a part of the policy, requiring new coverage.

Every major life event can have an impact on basic things like home insurance. Reaching out to your provider, providing the necessary documentation, or seeking professional legal help can all help you navigate any changes in your policy. If you’re having a rough time, don’t be afraid to explain the situation to your provider. They will likely understand and work with you to make the process simpler.

Start Your Home Insurance Policy Journey With Johnsen Insurance

Whether you’re purchasing your first policy or looking for a new one, Johnsen Insurance in Baraboo, WI is on your side to help you secure the right insurance. We’ll make it easier to find a policy that works for you. Contact us today to get started!

Reducing Claims through Better RV Maintenance

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The agents at Johnsen Insurance want our Baraboo, WI, customers to enjoy their motorhomes for many years to come. That’s why we put together this short guide on seasonal RV maintenance. A little extra care for your recreational vehicle helps it last longer and operate at optimum capacity.

Semi-annual Maintenance

Conducting semi-annual maintenance, also called seasonal maintenance, on an RV improves performance. That can mean the difference between brakes that fail and brakes that screech the RV to a halt in tough conditions.

Mechanical Maintenance

Let’s review the basic seasonal mechanical maintenance your RV needs before you store it for winter or first use it in spring:

  • Check the air conditioning and heating.
  • Check and top up all fluids, especially engine oil and brake fluids.
  • Examine the engine, hoses, and clamps.

More than the mechanical components of your RV need maintenance, though. The structural integrity of the motorhome matters, too.

Structural Maintenance

Your RV needs thorough washing and detailing. Start at the top of the motorhome and work your way down. Here’s a full list of tasks:

  • Clean the roof by sweeping it and then washing it with mild cleaner and water.
  • Coat the RV’s roof with UV protectant after it dries.
  • Wash the RV.
  • Repair any roof or siding cracks.
  • Wax the RV or use a protective seal on it to create a heartier finish.

Completing these tasks every six months before storing your RV and before using it again will help maintain its optimum operation.

Contact Johnsen Insurance Today

Don’t wait until the unexpected becomes reality, and it is too late to get umbrella insurance to offset the cost of medical, legal liability, and property damage claims. Contact the professionals at Johnsen Insurance in Baraboo, WI, to get a free quote and protect your most prized investments today!

Is it important for me to have motorcycle insurance when I am purchasing a new one?

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Being a motorcycle owner can be a good idea if you live in the Baraboo, WI, area. This part of the state offers a fun and reliable way to get around. If you buy a motorcycle, you need to get the right coverage for it, and motorcycle insurance will help ensure your support.

Cover Motorcycle

A top reason for you to get motorcycle insurance when purchasing a new one is to make sure that your asset is covered. If you buy a motorcycle, you will want to know you have the ability to replace or repair it if it is stolen or damaged. When you have a full policy with comprehensive coverage, you will have support in these situations. This can help to protect the asset and your investment in it.

Meet Obligations for Coverage

It is also very important to get motorcycle insurance to ensure you meet your coverage obligations. When you are going to operate a motorcycle in the state, you need to have liability insurance to meet state law. Further, if you have taken out any loan, you need insurance to meet the lender’s standard. If you are fully covered with a motorcycle insurance plan, you will be in good standing with such requirements.

Owning a motorcycle can be an excellent idea for people in the Baraboo, WI area. If you own a bike, you will want to speak with our professionals at Johnsen Insurance to discuss your needs. Our helpful team of professionals at Johnsen Insurance understands the value of motorcycle insurance and will give you any suggestions for choosing a new policy.

How to Protect Your Boat This Winter

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Ready Your Boat for Winter Storage: A Few Tips

Before you tuck your boat away for the winter, there are a few essential steps to ensure its optimal condition when it resurfaces in the warming months.

Wax Your Boat

Once you’ve thoroughly washed your boat one last time for the season, make sure to add a coat of wax to defend its exterior. In winter, as temperatures dip low, the risk of damage through cracking increases. Waxing provides a protective layer, protecting your boat’s exterior from cracks and rust.

Keep Your Boat Covered

Even if you’re storing your boat in an indoor facility, it’s still crucial to cover it. This protection prevents dust and debris from accumulating over the winter. Additionally, using a high-pitched tarp ensures that any incidental water drains off, keeping your boat safe and dry during winter.

Clean the Interior

Prior to winter storage, thoroughly clean your boat’s interior. Failing to do so could invite pests, leading to potentially significant damage that might only be discovered in spring.

Store in a Garage

Store your boat in a garage or at an off-site storage center if possible. Always choose enclosed spaces to protect your boat from climatic conditions and damage, vandalism, or theft. If the space is climate-controlled, all the better. Still, even an unheated garage provides better protection compared to leaving your boat out in the open.

For boat/watercraft insurance quotes in the Baraboo, WI area, reach out to us at Johnsen Insurance today for further details.

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Top Reasons To Winterize Your RV at a Storage Center

If you own an RV, it’s unlikely you’ll be going on many winter trips. However, if you’ve been considering sending your RV to a storage center this winter, these reasons might tip the balance.

Prevent Damage From Winter Weather

Prolonged exposure to winter elements such as snow, ice, sleet, and bitterly cold temperatures can cause cosmetic damage to your RV. Small cracks can develop and worsen in the harsh winter weather. Winter also accelerates the process of rusting, especially if there’s an unnoticed leak from the snow and ice accumulation.

Keep Pests Out

Storing your RV, especially in a climate-controlled facility, can prevent pest invasions. Skiffs of RV owners have opened their RVs after the winter only to find pests and rodents have used them as a refuge from the cold, causing extensive damage to the interior. This results in time-consuming maintenance and repairs before you can hit the road again.

Prevent Theft

Proper storage can offer protection against vandalism or theft. Storing in a secure facility with surveillance systems allows for better monitoring and control in case of damage or theft. It always pays to be secure compared to leaving your RV out in the open through the winter.

If you’re looking for RV insurance in the Spring Grove, IL, area or surrounding communities, contact Spring Grove Insurance. We’d be happy to provide a quote.

Who Should Be The Beneficiary of Your Life Insurance Policy?

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If you are contemplating purchasing life insurance, you must make numerous decisions. The most crucial is determining where to buy it. If you reside in the Baraboo, WI, area, we recommend you choose Johnsen Insurance.

Other elements to consider include the type of life insurance you should opt for, whether term or permanent life. How much coverage will you need? A paramount decision is setting your beneficiary.

What’s a Beneficiary?

In terms of a life insurance policy, the beneficiary is the person who will be allocated the benefits upon your death.

Factors in Selecting a Beneficiary

Your beneficiary should ideally be a trusted, long-term friend or relative. They could receive a substantial sum following your death, with few restrictions in place. As such, your faith in their judgment and decision-making abilities should be strong.

Examples of Potential Beneficiaries

Beneficiaries can and should be modified over time. Initially, parents may serve as beneficiaries. Later, this could shift to a long-term partner or spouse. Yet, this may change once again if a divorce or death occurs. Hence, beneficiaries can vary throughout the years, implying the need to review and update as needed routinely.

The Significance of Secondary Beneficiaries

It’s also sensible to nominate a secondary beneficiary as a safety measure if the primary one passes away. This serves as a safeguard in case the process of updating your beneficiaries is overlooked.

Schedule a Life Insurance Review and Get a Quote Today

Residents of the Baraboo, WI area can obtain a no-obligation life insurance review and price quote by reaching out to Johnsen Insurance. Secure peace of mind for yourself and your family today.

Auto Insurance for Teen Drivers: What Parents Need to Know in Wisconsin

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For teenagers in the Baraboo, WI area, obtaining a driver’s license and beginning to drive signifies a monumental achievement. As a parent of a teen driver, it’s critical to ensure their safety and proper coverage. This includes acquiring insurance. There’s a lot a parent should know about teen driver auto insurance in Wisconsin.

Requirements

All teen drivers are required to have auto insurance. These minimum requirements are identical to those for all other drivers and mandate the teen to have liability coverage for both property damage and medical expenses. Failure to possess this coverage can lead to penalties and blemish the teen’s driving record.

Ways to Cut Costs

As teen drivers are typically less experienced and more prone to accidents, they could be subject to higher premiums for coverage. Fortunately, there are strategies that a teen and their parent can employ to reduce auto insurance costs. Some of these methods include purchasing a safer vehicle, leveraging good-student discounts offered by many insurance companies, and ensuring the teen enrolls in a certified driver’s education course. These tactics can result in more favorable rates from local auto insurance companies for your teen driver in Wisconsin.

Obtaining a driver’s license is always an exciting milestone for a teenager. However, it’s equally important for those in the Baraboo, WI area to evaluate their insurance needs and options. When you get in touch with our team at Johnsen Insurance, you will receive the help you need to understand more about teen auto insurance. Our professionals at Johnsen Insurance will answer any inquiries and assist you in crafting a new policy.

Commercial Insurance for Online Businesses

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Online businesses require commercial insurance. E-commerce provides opportunities for entrepreneurs around the world, including Baraboo, WI. At Johnsen Insurance, we specialize in commercial insurance policies that many online business owners unexpectedly need.

Here are a few examples:

General Business Liability

General liability insurance for your online business safeguards you against claims of property damage or bodily injury caused by the products you sell. These types of claims can occur in unexpected situations. For example, you could be held responsible if a delivery driver slips and falls on your front porch while delivering a package for your home business. This insurance also defends you against claims for damages due to your advertising tactics.

Business liability insurance is crucial for interacting with customers or selling any product online.

Product Liability

You could be liable if your customers harm themselves using a product they purchased from you. Although product manufacturers carry this type of insurance (for products made in the United States), you might also be legally accountable for any claims.

Commercial Insurance for Your Vehicle

Most auto policies stipulate coverage only for the driver or vehicle when the vehicle is used for personal purposes. This means that if you use your personal vehicle for business errands like dropping off packages at the FedEx office, acquiring office supplies, or taking a customer out to lunch, and an accident occurs, you won’t be covered unless you’ve insured your car for both commercial and personal use.

At Johnsen Insurance, we can also help you with cyber insurance, errors and omissions insurance, employment practices insurance, and workers’ compensation. Whether your operations are in Baraboo, WI, or anywhere in Wisconsin, contact us today to ensure you have the insurance coverage you need.