Personal Insurance

Is your college student still covered on your auto and umbrella policy when they drive at school? Toby Hartman shares what parents should check this semester.

I've had more than one client tell me some version of the same thing: "Water only isn't covered if it backs up through the floor drain or the basement, right?" I get why people think that. Sewer and drain backup is the one water exclusion most homeowners have actually heard of, so it becomes the whole mental model. Anything else, they figure, must be a normal covered claim. A case the Wisconsin Supreme Court decided this summer is a good reason to rethink that. The Case: Cinc

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.

Your public YouTube and social media activity can affect personal and business insurance eligibility. Here is what to review before you apply.

New Berlin personal insurance guide covering home, auto, umbrella, flood, water backup, valuables, boats, and how to compare protection across policies.

Learn what Wisconsin home insurance covers, how dwelling limits and replacement cost work, which water losses are excluded, and how to compare a proposal.

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.

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

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

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

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.

Learn whether Wisconsin requires boat insurance, what a policy can cover, how agreed value differs from actual cash value, and what boat owners need for a proposal.

Affordable auto insurance for New Berlin drivers. MM Insurance Associates shops dozens of carriers to find the best rates and coverage for your vehicles.