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OnQuote Insurance Blog

What Does High-Risk Insurance Cover?

OnQuote Insurance has years of experience working with a variety of different claim types and will strive to ensure that you’re satisfied in Wisconsin. For example, if you’re a high-risk driver, it’s critical to know what this label means and what kind of problems it can cover. 

What is High-Risk Insurance?

High-risk insurance is designed for people whom insurers think are more potentially dangerous than others. They’ve shown behavior or fall under specific headings that make insuring them a little trickier. It covers the same kind of things that other insurance policies do but has varying pricing models.

Things That Might Cause a High-Risk Status

Most drivers never get put on a high-risk insurance status, which is great if you’re trying to avoid unnecessary expenses. However, it may happen if you make one or more mistakes. These can greatly impact your insurance status and make you high risk. These include:

  • Having multiple accidents on your record (especially at fault)
  • Traffic violations, particularly DUI or DWI
  • Multiple claims for comprehensive repairs 
  • Little driving experience (such as when a teen)
  • Letting your insurance lapse
  • Lacking insurance on previous vehicles 

Note that your status as a high-risk driver is likely to last between 3-5 years, depending on multiple factors. You can get off the high-risk list as long as you consistently show excellent driving skills, avoid getting tickets or fines, and keep your policy up to date throughout the year.

We’re Here for You!

Getting help from OnQuote Insurance can help Wisconsin residents get the insurance they need for their vehicles. We’ll help you identify high-risk policies when you fall under this heading and work with you once you’re off to ensure you get the protection that you need for your vehicle.

Should I Tell My Beneficiary About My Life Insurance Policy?

It’s very satisfying to buy a life insurance policy, knowing that you’re taking care of your loved one. For many people, this happiness can be a catalyst for feelings of wanting to share the good news with their beneficiary. But there are pros and cons to disclosing this information. After you buy life insurance from OnQuote Insurance serving Wisconsin residents, consider whether or not you should tell your beneficiary.

Should I Tell My Beneficiary About My Life Insurance Policy?


The beneficiary will be glad to know they can count on you. This will be great news for anyone who currently relies on you for a part of their household income. If it’s a spouse, life partner, or dependent, they’ll be assured that they will be financially secure after you’re gone.


The knowledge that they will benefit puts the beneficiary in a certain situation. If, for any reason, the cause of your demise is in question, your beneficiary will be under scrutiny from authorities. Just knowing that they will benefit makes them suspect.


Your beneficiary can plan accordingly. It’s wise to have a financial plan in place, and knowing that some financial resources may be available in the future can help your beneficiary to plan accordingly.


Your beneficiary might be unhappy with the amount. How much life insurance you wish to purchase is your decision alone. But once you share this information, your beneficiary may take issue with the number. Potentially, this could cause a rift between the two of you.


You can entrust your documentation to your beneficiary. With the knowledge in hand, your beneficiary can take some responsibility for your wishes after your demise, which can give you some relief.

Consult With Us

If you have questions about your life insurance, or you’d like to purchase a new policy in Wisconsin, contact OnQuote Insurance today.

Lawn and Landscaping Industry: Higher Coverage for Higher Risks

The lawn and landscaping industry is a vibrant sector that transforms outdoor spaces, adding beauty to residential and commercial properties in and around Wisconsin. However, the work involves unique risks and challenges that demand comprehensive commercial insurance coverage. Higher coverage is not just a precaution for businesses in this industry—navigating the specific hazards associated with landscaping operations is necessary.

Understanding the Risks of Landscaping Operations

Landscaping businesses engage in a variety of activities that expose them to specific risks:

  • Property Damage: Using heavy equipment and tools poses the threat of accidental damage to the client’s property.
  • Injuries and Accidents: Employees working with machinery, tools, or chemicals face the potential for injuries, leading to workers’ compensation claims.
  • Liability Concerns: Public liability risks arise from accidents on job sites or potential damage to adjacent properties.

Commercial Auto Insurance for Fleet Operations

Landscaping businesses often operate a fleet of vehicles to expand their services, which calls for:

  • Commercial Auto Insurance: Provides coverage for vehicles used in business operations, protecting against damages and liabilities arising from accidents.
  • Equipment Insurance: Extends coverage to specialized landscaping equipment and machinery, ensuring they are adequately protected.

General Liability Coverage for Property and Bodily Injury

Landscaping businesses require:

  • General Liability Insurance: Protects against bodily injury or property damage claims during landscaping operations.
  • Product Liability Insurance: Addresses liabilities arising from using chemicals or products that may cause harm.

Specialized Coverage for Landscaping Services

Landscaping businesses can benefit from specialized coverage options:

  • Professional Liability Insurance: Protects against claims related to professional errors, design flaws, or advice provided.
  • Business Interruption Coverage: Addresses income loss if operations are interrupted due to covered damages.

OnQuote Insurance Can Help You

At OnQuote Insurance, we can help answer questions concerning commercial insurance. We serve the Wisconsin area. Contact us today. 

How Home Insurance Can Safeguard You Against Identity Theft

In Wisconsin and the rest of the country, Cyber criminals continue finding new methods to access personal information, posing a significant risk to individuals and their financial security. While identity theft protection services are available, homeowners may not be aware that their home insurance may have a role in safeguarding them against this threat.

Home Insurance and Identity Theft Coverage

Many homeowners’ insurance policies include identity theft coverage as an optional endorsement or a built-in feature. This coverage offers protection against the financial and legal consequences of identity theft. Here’s how it works: 

1. Identity Theft Expense Reimbursement: If you fall victim to identity theft, you may incur expenses related to restoring your identity. These expenses include legal fees, notary fees, and costs associated with obtaining credit reports. Home insurance policies with identity theft coverage may reimburse you for these expenses, relieving the financial burden of recovery.

2. Lost Wages: Dealing with identity theft often requires significant time and effort, which can result in lost wages. Some policies offer coverage for the income you may have lost while resolving the issue.

3. Fraudulent Charges: If an identity thief uses your financial information to make unauthorized charges, your home insurance policy may cover the cost of those fraudulent transactions.

4. Legal Assistance: Resolving identity theft can involve complex legal processes. Identity theft coverage can assist legal experts, helping you navigate the legal intricacies of identity theft.

5. Credit Monitoring and Alerts: Some home insurance policies include credit monitoring services and alerts, which can help you detect suspicious activities related to your credit and financial information, allowing for timely intervention.

OnQuote Insurance Can Help You

At OnQuote Insurance, we can help answer questions concerning home insurance. We serve the state of Wisconsin. Contact us today.

How Distracted Driving in Dairyland Can Affect Your Wisconsin Auto Insurance

Drivers can quickly become distracted by the natural beauty and scenery driving along picturesque Dairyland roads. Distracted driving can significantly impact your auto insurance rates when accidents occur. 

OnQuote Insurance in Wisconsin can help you protect your auto and finances when accidents happen. 

What is Distracted Driving?

Distracted driving doesn’t always result in an accident. Any activity that diverts a driver’s attention away from the road and pays attention to road safety can be considered distracted driving. 

Texting while driving down the road, talking on the phone, or holding the phone with your ear while you’re behind the wheel are typical examples of distracted driving in Dairyland. Other examples of distracted driving include falling asleep at the wheel or watching your favorite television show on your smartphone while cruising down Wisconsin roads. 

According to reports, distracted driving in Wisconsin has led to numerous vehicle accidents, and understanding its impacts can help prevent accidents and reduce the effects on your auto insurance premiums. 

Distracted Driving Can Affect Your Insurance Premiums

Did you know that repeated instances of distracted driving on your record can affect your auto insurance premium? Insurance scoring models take your driving record into account when determining your premium. Drivers with records showing them frequently engaged in distracted driving events and automobile accidents are more likely to be labeled as "high-risk" drivers, which can lead to increased premiums. 

Avoid getting hit with Wisconsin state penalties and fines for distracted driving by paying closer attention when you’re behind the wheel. 

Have more questions about how distracted driving affects your auto insurance?

Talk to our licensed insurance agents at OnQuote Insurance. Learn how to avoid distracted driving penalties and your Wisconsin auto insurance coverage options, and get a quote today! 

Momento mori: The importance of having life insurance

Momento Mori is a Latin phrase meaning "Remember your mortality". This phrase is a reminder to cherish life and what we have been given. Life insurance from OnQuote Insurance is an important part of planning for the future, as it allows us to protect our loved ones in case something happens to us here in Wisconsin or anywhere. 

The importance of having life insurance

Life insurance provides financial security and peace of mind in the event of an unforeseen death. It can help cover the costs associated with funerals, medical bills, last wishes, debt repayment, and more. Having life insurance can also provide a sense of security knowing that our family will be taken care of when we are gone. 

No one knows what will happen in the future; Momento Mori reminds us that life is fleeting and that we should cherish each day we have. With life insurance, we can ensure that our loved ones are taken care of if something were to happen to us unexpectedly. Life insurance gives us the freedom to live our lives without worrying about our families struggling financially if something were to happen to us prematurely. 

Momento Mori encourages us to live life fully and take advantage of every opportunity we have while we still have it. Having life insurance allows us to make plans for our futures without worrying about what might happen along the way. It’s an important step in securing a better future for ourselves and our loved ones.

Consult With Us

To find a life insurance policy that will protect your loved ones in case of your untimely demise, give us at OnQuote Insurance a call today. We are proud to serve Wisconsin and would be happy to help you find a policy to meet your needs and your budget.

The Secrets Behind Successful Businesses

If you own a business in Wisconsin, then OnQuote Insurance would love to show you how we can help protect your company and investment. It doesn’t matter what type of business you are in or how you became successful, we can help protect what you have worked so hard to accomplish.

The Road to Success

Was your success the result of blood, sweat, and tears? Was it the pinnacle of reaching the plateau after years of paying your dues? Was your success the result of good fortune aka luck, happenstance, or some act of serendipity?

While there are many paths to success, one of the keys to remaining successful is protecting what you have worked so hard to build. And the biggest secret behind success may not be so much in getting there but remaining there.

Protecting Your Business and Your Success

At OnQuote Insurance, we are in the business of helping businesses across Wisconsin protect their businesses. From the smallest company to the biggest, commercial insurance is vital to safeguarding your company and so much more.

From new companies to established businesses shopping prices, we invite you to visit our friendly, professional, and proven team at OnQuote Insurance to learn how we can help. We understand and appreciate what it means to be a business owner, and we also know how to help protect your business too.

OnQuote Insurance Commercial Insurance Solutions

Business ownership can be one of the most rewarding endeavors we can experience, but ownership also equates to the need for commercial insurance and solutions. It doesn’t matter if you are looking for a specific type of plan or need help finding the right commercial coverage; we are here to work with you every step of the way. Contact us to get started today.

Tips to make your home more energy efficient

When it comes to saving energy here in Wisconsin, small changes can make a big difference in your energy bills. Here are some tips from us at OnQuote Insurance to help you make your home more energy efficient.

Tips to make your home more energy efficient

1. Check for Air Leaks

Look around your windows and doors for air leaks. Use weatherstripping or caulk to seal them up if needed. 

2. Change Your Light Bulbs

Replace all of your lightbulbs with LED bulbs, which use much less energy than traditional bulbs. 

3. Install Programmable Thermostats

 Installing a programmable thermostat is an easy way to reduce the amount of energy used during times when you aren’t home. 

4. Add Insulation

Make sure your attic and walls are properly insulated so that heat stays inside during winter months and out during summer months. 

5. Clean Your Filters Regularly

Keep your HVAC filters clean and replace them when needed so they can do their job properly without using extra energy to push through clogged filters and vents. 

6. Unplug Unused Electronics

Even when electronics are turned off, they still draw power if left plugged in! Unplug all electronics when not in use, including phone chargers and gaming systems, to save on energy costs over time. 

Reach Out To Us

Making small changes to how you manage energy usage in your home can go a long way toward reducing costs while still providing comfort. With these tips, you can start making improvements today that will have an impact on your bills for years down the road!

For more tips, give us at OnQuote Insurance a call today. We are proud to serve Wisconsin and would be happy to help you find a homeowners policy that works for you.

What type of auto insurance covers damage from non-moving accidents or situations?

Auto insurance is designed to meet a wide variety of situations, from traffic accidents to damage from poor weather conditions. As a driver, you’re required to carry auto liability insurance to drive in most states.

However, there are situations that may require more than just auto liability insurance as coverage. If you’re a driver that is hit by another car and they don’t have insurance, collision auto insurance pays for the damage that your car incurs. Auto insurance has coverage designed to suit different needs, situations, and circumstances.

Our OnQuote Insurance team is committed to helping Wisconsin drivers get the auto insurance they need to suit their unique situation. 

What type of auto insurance covers damage from non-moving accidents?

Comprehensive auto insurance provides coverage for the repair or replacement of your car if it’s damaged as a result of a non-moving accident. This means that comprehensive coverage will pay for damage or replace your car if something happens to it that doesn’t involve a collision. For example, if your car is damaged as a result of flooding and/or your car is vandalized or stolen, comprehensive coverage will cover this. If a tree falls on your car and damages it or totals it, comprehensive coverage will pay for the repair or replacement of your car.

However, comprehensive coverage can apply to more situations as well. Fire, theft, inclement weather, flooding, as well as other situations are examples of what comprehensive auto insurance covers. 

Looking for Insurance in Wisconsin?

If you have questions about auto insurance, we can answer them. Call us at OnQuote Insurance. We’d be happy to help you explore your options. 

Life Insurance: The Essential Items You Need to Know

Life insurance is a critical component of financial planning, providing security and peace of mind for you and your loved ones. Whether you’re new to life insurance or looking to update your existing policy, OnQuote Insurance is here to help you understand the essential aspects of life insurance in Arizona, Wisconsin, and Illinois.

Life Insurance: The Essentials

Types of life insurance:

There are two primary types of life insurance – term and permanent. Term life insurance provides coverage for a specified period, usually 10, 20, or 30 years. If the policyholder passes away during the term, the death benefit is paid out to the beneficiaries. Permanent life insurance, which includes whole and universal life, provides coverage for the policyholder’s entire life, as long as premiums are paid. Additionally, permanent life insurance policies can accumulate cash value over time.

Choosing the right policy:

The right life insurance policy depends on your individual needs, financial situation, and goals. OnQuote Insurance Wisconsin can help you evaluate your circumstances and guide you in selecting the best policy for you and your family.


It’s crucial to designate beneficiaries for your life insurance policy, as they will receive the death benefit in the event of your passing. Be sure to keep this information up to date, especially after significant life events, such as marriage or the birth of a child.

Coverage amount:

Determining the appropriate coverage amount can be complex, but it’s essential to ensure your loved ones are adequately protected. OnQuote Insurance can help you assess your financial obligations, including mortgage, debts, and future expenses, to determine the right coverage amount.

We Are Here To Help!

Understanding the essentials of life insurance is vital to safeguarding your family’s future. OnQuote Insurance is dedicated to helping you navigate the process in Arizona, Wisconsin, and Illinois and find the right coverage. Call us for more information and take the first step towards securing your family’s financial well-being today.