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Personal Insurance
Home, auto, boat, and life insurance guides


You Don't Need More Insurance. You Need the Right People.
Affluent families and business owners rarely need more disconnected policies. Learn how the right insurance advisor can coordinate complex assets, prevent gaps, simplify billing, and guide claims.

Toby Hartman
5 days ago7 min read
Turo and Insurance: What Every Driver and Car Owner Needs to Know Before Using the Platform
Turo has exploded in popularity over the last few years. The idea is simple: everyday people rent their personal vehicles to strangers for a profit, and renters get access to a wider variety of cars than they would find at a traditional rental counter. It sounds great until something goes wrong. And in the insurance world, "something going wrong" is exactly what we plan for. Before you list your car on Turo or book a vehicle through the app, you need to understand how insuran
Scott Johanek
Jun 268 min read
The Safety Features That Actually Matter When You Put a New Driver Behind the Wheel
By Toby Hartman, MM Insurance Associates This one is personal for me. I have a 16 year old driver in my house right now, and I also have nieces and nephews who all just got their licenses around the same time. So I am living this decision as a parent and an uncle, not just as an insurance guy. Here is the honest truth. After two decades in the insurance world, I am not losing sleep over the little fender benders. Those happen, they get fixed, and everybody moves on. What keep

Toby Hartman
Jun 267 min read
Home Insurance New Berlin WI | Independent Insurance Agent
Home insurance guidance for New Berlin, WI homeowners, including replacement cost, wind and hail, water backup, service lines, and local coverage gaps. MM Insurance Associates shops multiple carriers.
Scott Johanek
Jun 153 min read
Uninsured vs. Underinsured Motorist Coverage: What Every Driver Needs to Know
Most drivers assume their auto insurance will fully protect them after an accident. But what happens when the other driver has no insurance at all, or does not carry enough to cover your medical bills and vehicle damage? That is where uninsured motorist (UM) and underinsured motorist (UIM) coverage step in. These two coverages sound similar, but they protect you in very different situations. What Is Uninsured Motorist (UM) Coverage? Uninsured motorist coverage kicks in when y

Toby Hartman
Jun 94 min read
Life Insurance 101: A New Berlin Family's Guide
Plain-language guide to life insurance for New Berlin families. Term vs. whole vs. universal, how much you need, costs by age, and how to get started.
Scott Johanek
Jun 81 min read
Boat Insurance in Wisconsin: Season Prep Checklist
Get your boat insurance ready for Wisconsin's boating season. Pre-season checklist, coverage types, agreed-value vs. ACV, and cost guide from MM Insurance Associates.
Scott Johanek
Jun 81 min read
Home Insurance in New Berlin, WI: What You Need to Know
Everything New Berlin homeowners need to know about home insurance — costs, coverage, common claims, and tips to save. Local guide from MM Insurance Associates.
Scott Johanek
Jun 81 min read
Life Insurance in New Berlin, WI | MM Insurance Associates
Term, whole, and universal life insurance for New Berlin and Milwaukee area families. MM Insurance Associates helps you find the right coverage to protect your family's future.
Scott Johanek
Jun 81 min read
Boat Insurance in Wisconsin | MM Insurance Associates
Protect your boat and your season with comprehensive watercraft insurance from MM Insurance Associates. Agreed-value coverage, liability protection, and on-water towing for Wisconsin boaters.
Scott Johanek
Jun 81 min read
Auto Insurance in New Berlin, WI | MM Insurance Associates
Affordable auto insurance for New Berlin drivers. MM Insurance Associates shops dozens of carriers to find the best rates and coverage for your vehicles.
Scott Johanek
Jun 81 min read
Home Insurance in New Berlin, WI | MM Insurance Associates
Protect your New Berlin home with the right coverage at the right price. MM Insurance Associates shops dozens of carriers to find you the best home insurance rates.
Scott Johanek
Jun 81 min read
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