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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.

Top 5 Commercial Insurance Risks and How to Curb Them

Running a business means you expose yourself to certain risks. Even though some of the challenges and setbacks are unavoidable, it is prudent that you know how to safeguard the fallout should issues occur. That means taking proper caution and insurance coverage. At OnQuote Insurance, we provide the people of Arizona, Wisconsin, and Illinois with commercial insurance to cover their businesses. If you have commercial insurance, it is vital to understand the kind of insurance risks and how to protect your business. 

5 Types of Commercial Insurance Risks 

Insurance risk is the probability of something bad that exposes you or your insurer to damage. Understanding these risks will help you know how to protect your business better.

  • Global Manufacturing and Export Problems

Many businesses use factories and manufacturers from overseas for various functions. They also export their goods internationally. Things can go wrong, so OnQuote Insurance recommends commercial insurance to protect against global manufacturing and export risks. 

  • Data Breaches

All businesses, whether big or small, face the data breach threat. Therefore, it is crucial to keep yourself safe by having commercial insurance from OnQuote Insurance that protects your business against data security breaches.

  • Property Damage

Wisconsin business premises may also face property damage due to floods, fires, hurricanes, snowstorms, etc. The first line of defense you need against property damage is commercial insurance. It will help rebuild your business after property damage. 

  • Human Capital Expenses

Employees are also exposed to different risks in the line of duty. Commercial insurance is paramount to protecting them, you, and your business from human capital-related costs.

  • Service Mistakes

Suppose you are a service provider, like a consultant, web developer, accountant, etc. In that case, you face a certain amount of risk when customers seek legal recourse if your product fails to meet their expectations. With our coverage, your business will be protected if you face such a lawsuit.

Protect Your Business with Commercial Insurance

Mitigating business risk is crucial to reducing lawsuits and claims your company may face. That is why we provide commercial insurance at OnQuote Insurance to provide the protection you need. Contact us today to get the right policy for your organization. We proudly serve the states of Arizona, Wisconsin, and Illinois. 

Protect Your Most Valuable Asset with Home Insurance

Are you a homeowner living in Wisconsin or Arizona? If so, let the professionals at OnQuote Insurance provide you with the insurance you need for the protection of your home.

Why Home Insurance?

A home is usually a consumer’s most valuable asset. Homeowners insurance is vital because it protects both the home and its contents. If the home becomes a total loss, the insurance then becomes the major source of the money needed to rebuild. It also offers liability protection for any legal action resulting from injuries to another person or damage to their property.

If you are carrying a mortgage on your home, lenders will require you to have this protection as it safeguards their interest in the property.

Homeowners insurance covers the structure of the home, attached structures, fixtures, and appliances that are built in. The contents of the home are also covered. Additional coverage to meet specific needs are also available. The most common of this coverage is unattached structures, such as storage sheds or garages, personal property, ALE or additional living expenses, medical expenses, and sewer backup.

Separate coverage for earthquake or flood protection may be acquired in areas prone to these disasters.

Here are some coverage types of homeowners insurance policies:

  • Dwelling – covers damage to the home and attached structures
  • Other structures – covers damage to structures not attached to the home, such as sheds or fences
  • Personal property – covers the value of lost or damaged possessions, such as electronics, clothing, or furniture
  • Loss of use – covers additional living expenses if the home becomes uninhabitable during repair
  • Personal liability – covers financial losses from personal injuries or property damage if found legally liable
  • Medical payments – covers medical bills for persons hurt by the homeowner’s pets or while on their property
  • Sewer backup – covers water damage or losses to the home from drain or sewer backup

Reach Out To Us

OnQuote Insurance can provide a quote or answers to questions you may have regarding this important insurance coverage in Wisconsin and Arizona. Contact us today.

Safe Driving Tips For New Drivers

As a new driver, safety should be your top priority while on the road. While it may be tempting to flaunt the newfound freedom that comes with finally being able to drive, it is important to remember that driving can be dangerous if you don’t take proper precautions.

Here are some tips from us at OnQuote Insurance for staying safe on the roads, whether you are in Arizona, Wisconsin, or Illinois where we serve our clients with auto insurance and other coverages. 

Safe Driving Tips For New Drivers

1) Stay alert and focused

Distracted driving is one of the biggest causes of accidents, so make sure you keep your eyes and mind on the road at all times. Put away any cell phones or other devices that could divert your attention from the task at hand.

2) Practice defensive driving

Anticipate what other drivers may do and always have an “escape route” in case something unexpected happens. Defensive driving will help you avoid potentially dangerous situations.

3) Be aware of your surroundings

Keep an eye out for potential hazards such as pedestrians, cyclists, animals, etc., and use caution when passing them. Also watch out for road conditions such as potholes or slick surfaces that could cause problems.

4) Respect traffic laws

This means not only following speed limits but also observing stop signs, yield signs, and any other traffic laws specific to your area. Breaking these laws can result in hefty fines or even jail time in some cases.

Get or Update Auto Insurance For Your Vehicle Today

These are just a few tips for staying safe as a new driver; there are plenty more that we encourage you to research and learn about! Driving can be an exciting experience–just remember to remain alert and practice defensive driving at all times! You also need to make sure your auto insurance policy is updated to meet all your coverage needs. 

For more safe driving tips and to maximize your insurance policy, call us at OnQuote Insurance today. We proudly serve all of Arizona, Wisconsin, and Illinois. 

How Commercial Insurance Can Help You Start Your Small Business

When your small business opens its doors, you have a lot on your mind about making it a success in the short and long run. Your business is a dream that built itself over many years, and you need insurance not just to protect your business, but to get it off the ground in the first place.

Your business partners at OnQuote Insurance are here for you. We’re serving Illinois with local pride. Our goal is to help your business be the best it can be as you get your company’s story off the first page.

Business Owner Policy

Most new businesses will likely want to start with what’s known as a Business Owner Policy. This is a bundled policy that contains all the basic protections you need to run your business. Combining liability, loss, and property damage coverage in one simple and easy-to-understand package, a business owner policy is a fantastic way to make sure that your business gets started on the right foot.

Customer Confidence

Your customers will find it easier to have confidence and trust in your business if you have strong business insurance. An insured business is in for the long haul. If you want your customers to trust that you’re going to be here tomorrow, make sure that you’re taking care of your business today.

Worker’s Compensation

Illinois state law requires every employer in the state to carry workers’ compensation insurance in order to do business. We can help make sure that you have the right workers’ compensation insurance to do business in Illinois and comply with all state rules and regulations.

Contact Us Today

OnQuote Insurance is here to help you get the insurance that you need in Illinois. Call or come in today to get a free no-obligation quote on commercial insurance.

Will Home Insurance Cover Everyone Who Lives With Me?

Suppose you share your Illinois home with others. In that case, you may wonder if your home insurance policy will cover everyone living there. The answer to this question depends on the insurer and your policy type. You’ll need to read the fine print of your policy to understand who is covered and under what circumstances. Here is some general information about who is typically covered by your policy from OnQuote Insurance.

Who is covered by homeowners insurance?

A home insurance policy typically covers the policyholder, their spouse, and any minor children living in the home. Other relatives may also be covered if they live in the house and are listed on the policy. Minors under your full-time care are also covered regardless of their relationship (such as foster children).

Who is not covered?

A few different types of people are not typically covered under a home insurance policy. Unmarried couples, roommates, and friends are all people who would not be covered. This is because home insurance policies are typically only for family members who live in the same household. If you have any other relationship with the people you live with, you will most likely not be covered under their home insurance policy.

How to insure those who are not covered by your home policy

If you want to insure someone who is not covered by your home policy, you can add them to the deed of your house. This will make them the joint owner of the property, and they will be able to benefit from your home insurance policy. You can also add an "Other Members" endorsement to your existing home insurance policy. This will extend coverage to other household members, such as domestic partners or roommates. If you have roommates, they could also purchase their own renter’s insurance policy to be fully insured.

Contact Us Today

If you’re a homeowner in Illinois, OnQuote Insurance can help you find the home insurance policy that fits your household’s needs. We work with various insurance companies to find the right coverage at the right price. Contact us today to discover more!