--- title: R&R Insurance Blog | Personal Insurance (6) description: Personal Insurance | R&R Insurance, Wisconsin's largest independent insurance agency, is a great place to work for many reasons. View open positions and apply online! 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[Tweet](https://twitter.com/share) Black ice, or clear ice, is a thin coating of glazed ice on a surface. While it's not truly black, it is virtually transparent allowing the roadways to be seen through it and can cause havoc for unsuspecting drivers. There are some things you can do to combat this invisible killer: **Check the Temperature Gage** Temps between 32 degrees and 36 degrees Fahrenheit, high humidity, and icy rain contribute to ice-making conditions. **How to Keep Control in a Skid** Point the front wheels to where you want the car to travel. **Hit the Brake** If your car has ABS (anti-lock braking system), hold down the brake pedal and keep the car straight unless you need to steer to avoid traffic, in which case move your hands to the 9 and 3 o'clock positions on the wheel, and steer smoothly while continuing to press on the brake. **Gain Control when Front Wheels Slip** If your front wheels slip while you're turning, resist the instinct to brake and over-compensate & ease off the accelerator and the steering angle to allow the wheels to roll freely. Wisconsin residents, the best thing you can do when roads are icy is to avoid driving all together if you can. Wisconsin residents, please [contact us](https://www.myknowledgebroker.com/about-us/contact-us) for more ways we can help keep you protected. Topics: [Personal Insurance](https://www.myknowledgebroker.com/blog/topic/personal-insurance) ## [Best Car Repairs to Increase Mileage](https://www.myknowledgebroker.com/blog/best-car-repairs-to-increase-mileage) Posted by [the knowledge brokers](https://www.myknowledgebroker.com/blog/author/the-knowledge-brokers) - [Tweet](https://twitter.com/share) You can be a fuel-efficient driver and avoid heavy breaking & accelerating but if you want to try to make it even further between gas fill-ups, you may need to invest in some automotive maintenance. Improve fuel efficiency with these five easy fixes: - Close your gas gap - Make sure it's clicked and you could save yourself green dollars - if the cap isn't tightened the fuel can evaporate. - Routine maintenance - Keeping your car running efficiently and adjusting your driving behavior are the best ways to keep more money in your pocket. - Properly Inflate your Tires - Underinflated tires put more stress on your vehicle, making it work harder and burn more gas. - Replace clogged air filters- This can boost gas mileage by as much as 14 percent on o - lder vehicles. Topics: [Personal Insurance](https://www.myknowledgebroker.com/blog/topic/personal-insurance) ## [Title A Vehicle with the eMV?](https://www.myknowledgebroker.com/blog/title-a-vehicle-with-the-emv) Posted by [the knowledge brokers](https://www.myknowledgebroker.com/blog/author/the-knowledge-brokers) - [Tweet](https://twitter.com/share) There is a new online system called the eMV Public which is designed to assist Wisconsin residents who purchase or acquire a vehicle and need to title & register it in their name. It's available for autos, light trucks, SUVs, and motorcycles & can be done by visiting the [Wisconsin Department of Transportation Website](Wisconsin%20title,%20signed%20by%20the%20seller(s),%20including:◦An%20odometer%20reading%20completed%20by%20the%20seller(s)%20on%20the%20back%20of%20the%20title%20for%20vehicles%20less%20than%2010%20model%20years%20old.). In order to use the system, you'll need to have: - **Wisconsin title**, signed by the seller(s), including: An odometer reading completed by the seller(s) on the back of the title for vehicles less than 10 model years old. - A **lien release** if there is a lien holder listed on the front of the title and the loan is paid off. - A **printer** with 8 ½ by 11 inch paper. and the Adobe Acrobat Readers (you may need to adjust the default viewer to use Adobe Acrobat Reader for different internet browsers) - A **Wisconsin Driver License or Identification card, last four digits of your social security number and date of birth**. Note: Never buy a vehicle without seeing and receiving a title signed by the previous owner. Wisconsin residents, if you have questions about securing insurance protection for your newly acquired auto, please [contact us](http://http://www.myknowledgebroker.com/personal-insurance/get-a-home/auto-quote/) and we'll give you a quote. Topics: [Personal Insurance](https://www.myknowledgebroker.com/blog/topic/personal-insurance) ## [Ghostbusters and Poltergeists | Scary Movie Scenes and Their Coverages](https://www.myknowledgebroker.com/blog/personal-insurance/ghostbusters-and-poltergeists-scary-movie-scenes-and-their-coverages/) Posted by [Resource Center](https://www.myknowledgebroker.com/blog/author/resource-center) - [Tweet](https://twitter.com/share) [![GhostB](https://www.myknowledgebroker.com/hs-fs/file-3869008432-jpg/blog-files/ghostb.jpg?width=256&height=174&name=ghostb.jpg)](https://www.myknowledgebroker.com/hs-fs/file-3869008432-jpg/blog-files/ghostb.jpg)What if your boat was attacked by a shark? What if your home becomes possessed by ghosts or demons? We all know that the movies are far-fetched and mostly fictional. There are some instances, however, where the story is based on historical facts. With it being Halloween week, we asked ourselves if some of these scenarios are viable. Taking scenarios from movies, we did a little digging to determine if the incident or damage would be covered under a homeowner's insurance policy. Of course you would have to refer to your own policy or independent agent to determine coverage in any of these circumstances. Here’s what we found: **Jaws (1975):** Assuming that you have your boat insured on a watercraft or homeowners policy. If your boat was attacked by a shark and it consequently sank as a result, we would surmise that this would be covered and that your boat and its contents would be replaced - subject to your deductible. This is also assuming that you were not renting your boat to someone, or using the boat for “business” as is the case in the movie. This may be a good time to speak with your agent about life, health and disability insurance. **Amityville Horror (1979):** If your home was overrun by flies, the cost to exterminate and remove the flies is not covered by homeowner’s insurance. The same goes for damage done by rats, squirrels, or other rodents. Insurance companies see these types of things as the homeowners' responsibility to maintain, and don't cover them in most cases. **Frankenstein (1931):** Since the experiments were performed outside the home, in an abandoned watch tower, the damages done to the lab would not be subject to a homeowners policy. A P&C or businessowners policy would be needed to cover the "work". Knowing the resulting product – Frankenstein himself, there is a sure bet that there would be a product liability issue. **The Shining (1980):** This home is actually an Inn, which would be insured under a businessowners policy. If the business owner were to break down his own door with an axe, this would be considered an intentional act by the named insured and not covered by the policy. If committed by someone other than an insured, it would be covered as vandalism and malicious mischief. **Poltergeist (1982):** There are several damage issues in this film that would need to be addressed. First, if your home was intentionally or unintentionally built on an unmarked graveyard you would not have any coverage assistance for changing your location. Homeowner's policies do not cover land. Secondly, if a tree falls on your house due to Windstorm, Hail, Weight of Ice, Snow or Sleet - the damage would be covered up to stated limits in the policy. Third, if your home completely disappears into a vast void of nothingness, this would most likely be classified as "settling or shrinking" and therefore would not be covered under your homeowner's policy. The “mysterious disappearance” clause would not apply in this situation! **The Exorcist (1973):** If someone slips and falls on your property, say for instance down a flight of stairs, the medical expenses, missed paychecks, pain and suffering would be covered under Premises Liability. Premise Liability covers the legal responsibility that property owners have for injuries that occur on their property due to slip and fall accidents. **Halloween (1978):** In many cases, homeowners insurance will cover the cost to clean up after a trauma, homicide or accidental death. It is not the responsibility of Law Enforcement, Fire Rescue, EMS or Medical Examiners to clean up after an incident. **The Purge (2013):** As stated above, clean up services are most likely covered, subject to your deductible. Side note: If you have a very expensive, or out-of-the ordinary, security system on your home, you should have this appraised and itemized on your homeowner's insurance policy. **Ghostbusters (1984):** Any damage caused by a paranormal extermination service, such as green slim, should be covered by the exterminator's liability policy assuming the damage occurred as a result of the services that they performed. Additionally, any marshmallow fluff falling from the sky would be covered under "objects falling from the sky", and therefore clean-up for your home after a Stay-Puff Marshmallow Man explosion would be insured. These again are unlikely scenarios dreamt up by the movie industry. We sincerely hope that none of this happens to anyone, and that you would never even have to research the topic. We are just a little poking fun at the movies. Wisconsin residents, if you would like information about insuring your home, your boat, your business or your own little Ghostbusters, please contact a [knowledgebroker](mailto:dan.wolfgram@rrins.com) and we'll be happy to help.   Topics: [Personal Insurance](https://www.myknowledgebroker.com/blog/topic/personal-insurance) ## [Roofing Scam Hitting Wisconsin Residents](https://www.myknowledgebroker.com/blog/personal-insurance/roofing-scam-hitting-wisconsin-residents/) Posted by [Resource Center](https://www.myknowledgebroker.com/blog/author/resource-center) - [Tweet](https://twitter.com/share) **Wisconsin residents beware:** Roofing scams have been blanketing local areas. Anyone soliciting business door to door for this type of work is most likely a SCAM! Storm chasers have been known to blanket an area hit by hail or wind damage and look for unsuspecting homeowners. They’ll pass out leaflets, show up unannounced, and offer a free inspection. The scammers know the claims process with insurance companies, and based on the square footage of the roof, they can figure out how much it will cost to put on a cheap new roof. The catch is that the storm chaser does the bare minimum to replace the roof and usually pushes the homeowner to move forward with the repairs before the insurance company has a chance to inspect the damage. The homeowner is then left with a poorly constructed roof and a claim that potentially could be denied by the insurance company.. **Precautionary Steps Before Hiring a Roofing Contractor:** - **Research the roofing company** - Insurance companies should **inspect damage** BEFORE work begins - **Ask for qualifications** - they should be an accredited company - not just show logos of the products they use which is what this flyer also shows - If you do need a new roof, **shop around** for at least 3 quotes to ensure you are getting the best price and service - **Do NOT provide money upfront** - they may say it is needed to purchase supplies but it is all part of the scam Wisconsin residents looking for help contacting your insurance company, please [contact a knowledgebroker](https://www.myknowledgebroker.com/about-us/contact-us) before beginning any repairs. Topics: [Personal Insurance](https://www.myknowledgebroker.com/blog/topic/personal-insurance), [Roofing Scam](https://www.myknowledgebroker.com/blog/topic/roofing-scam) ## [Trick-or-Treat Safety Tips](https://www.myknowledgebroker.com/blog/personal-insurance/trick-or-treat-safety-tips/) Posted by [the knowledge brokers](https://www.myknowledgebroker.com/blog/author/the-knowledge-brokers) - [Tweet](https://twitter.com/share) [![Candy_Handing out for Halloween](https://www.myknowledgebroker.com/hs-fs/file-3852080676-jpg/blog-files/candy_handing-out-for-halloween.jpg?width=256&height=174&name=candy_handing-out-for-halloween.jpg)](https://www.myknowledgebroker.com/hs-fs/file-3852080676-jpg/blog-files/candy_handing-out-for-halloween.jpg)Preparing to hand out Halloween candy for trick-or-treating? Having people on your property is always risky, especially strangers dressed in costumes! Proceed with caution to make sure you minimize your Halloween scare: - **Trips and falls that take place outside your home** - this will be covered by your liability coverage, and your insurance will pay for your defense coverage too. If you need more coverage, [consider buying an umbrella policy](http://www.myknowledgecenter.com/personal-insurance/personal-umbrella-do-i-need-one/), which will go above your home and auto! - **Smaller injuries** - this will be covered by medical payment coverage, which is a no fault coverage and could provide protection for a smaller injury. Need a [reminder on what is included in your policy](http://www.myknowledgecenter.com/personal-insurance/my-insurance-renewal-packet-is-here-now-what/)? We can help! - **If you turn your dwelling into a haunted house and open it to visitors for payment **- your home insurance will not likely cover this because you are running a business. (Businesses operating [haunted houses](http://www.myknowledgecenter.com/business-insurance/scary-lawsuits-halloween-more-about-tricks-than-treats/) require their own insurance.) - **Stolen / damaged decorations** - this would be covered under your personal property limit, subject to the applicable deductible but you may want to determine if it's really worth pursing a claim. Four things homeowners can do to keep the 'treat' in trick-or-treating: 1. Take extra effort to **eliminate tripping hazards** on your porch and walkway. 2. **Check around your property** for low tree limbs, support wires, or garden hoses that may prove hazardous to young children rushing from house to house. 3. Pets get frightened on Halloween. **Keep pets in a safe area** to protect them from cars or inadvertently biting a trick-or-treater. 4. **Glow sticks, light sticks, or battery-powered lights** for jack-o-lanterns are preferable to real flame candles. For more information on how R&R can help you with your home insurance protection, visit our [website.](https://www.myknowledgebroker.com/default.aspx) Topics: [Personal Insurance](https://www.myknowledgebroker.com/blog/topic/personal-insurance), [halloween candy](https://www.myknowledgebroker.com/blog/topic/halloween-candy), [tripping hazards](https://www.myknowledgebroker.com/blog/topic/tripping-hazards), [smaller injuries](https://www.myknowledgebroker.com/blog/topic/smaller-injuries), [damaged decorations](https://www.myknowledgebroker.com/blog/topic/damaged-decorations), [trips and falls](https://www.myknowledgebroker.com/blog/topic/trips-and-falls), [haunted house](https://www.myknowledgebroker.com/blog/topic/haunted-house) ## [Skunks Cause Waukesha Family One Stinky Mess!](https://www.myknowledgebroker.com/blog/personal-insurance/skunks-cause-waukesha-family-one-stinky-mess/) Posted by [the knowledge brokers](https://www.myknowledgebroker.com/blog/author/the-knowledge-brokers) - [Tweet](https://twitter.com/share) [![Skunk](https://www.myknowledgebroker.com/hs-fs/file-3810431934-jpg/blog-files/skunk.jpg?width=256&height=174&name=skunk.jpg)](https://www.myknowledgebroker.com/hs-fs/file-3810431934-jpg/blog-files/skunk.jpg)We recently learned of an unfortunate Waukesha family who got into a terrible stinky mess with a family of skunks. The skunks made a home for themselves under their deck. The smell was so terrible that the family had to move out of their home. They hired an extermination company that repeatedly had to bomb the area under the deck, which didn't work to remove the skunks. They finally had to remove the deck completely, clear out the skunk's home, and then replace the deck. The claim was well over $20,000 to exterminate, repair the deck and clean all home items that still reeked of skunk spray. That got us wondering about how a homeowner's policy would respond to this type of loss. It turns out - the damage **is** covered by your homeowner's policy - Here is the technical answer found on PropertyCasualty360.com: Is a skunk a rodent and therefore excluded under the homeowners’ policy? Is there coverage for any of the damage caused by the skunk? The standard homeowner's form excludes coverage for damage caused by vermin, rodents, birds, or insects. Birds and insects are readily identifiable; it's the rodents and vermin that cause the problem. “Rodent” is a scientific classification; according to *Merriam Webster Online* a rodent is any of an order (Rodentia) of relatively small gnawing mammals (as a mouse, squirrel, or beaver) that have in both jaws a single pair of incisors with a chisel-shaped edge. Biologically speaking, every living thing is classified by Kingdom, Phylum, Class, Order, Family, Genus, and Species, so once you determine a creature's order, you know whether or not you have a rodent. **For the record, skunks are not rodents, so there is coverage for skunk damage to the dwelling.** Topics: [Personal Insurance](https://www.myknowledgebroker.com/blog/topic/personal-insurance), [skunk spray in home](https://www.myknowledgebroker.com/blog/topic/skunk-spray-in-home), [skunk damage coverage](https://www.myknowledgebroker.com/blog/topic/skunk-damage-coverage), [Waukesha skunk](https://www.myknowledgebroker.com/blog/topic/waukesha-skunk), [skunk damage](https://www.myknowledgebroker.com/blog/topic/skunk-damage) ## [Insuring Animal Skulls, Ornaments, and Collectibles](https://www.myknowledgebroker.com/blog/personal-insurance/insuring-animal-skulls-ornaments-and-collectibles/) Posted by [Resource Center](https://www.myknowledgebroker.com/blog/author/resource-center) - [Tweet](https://twitter.com/share) [![Animal_Skull](https://www.myknowledgebroker.com/hs-fs/file-3810431504-jpg/blog-files/animal_skull.jpg?width=256&height=174&name=animal_skull.jpg)](https://www.myknowledgebroker.com/hs-fs/file-3810431504-jpg/blog-files/animal_skull.jpg)Over the years, R&R Insurance has been asked to insure some pretty unusual things, and for the most part, our carriers are able to accommodate these "special requests". Here are a few of the items that we are proud to insure for our Wisconsin residents: - Animal Skull Collection - Wild Animal Mounts - Perfume Bottle Collection - Hat Pin Collection - Toy Soldier Collection - Old World Christmas Ornament Collection - Collection of Lincoln Items Insuring items like these requires a rider that accompanies your homeowners policy to basically insure the contents of the collection for the established value. One interesting request we had been to insure a party wagon and tractor that was to be ridden from Dodge County to Lambeau Field for a Packers game. We didn't end up writing this insurance because of excess liability involved with a "party" wagon. Still, our agents get a kick out of the interesting, and sometimes outrageous, requests they get! [![Shamrock](https://www.myknowledgebroker.com/hs-fs/file-3852081481-jpg/blog-files/shamrock-150x150.jpg?width=74&height=72&name=shamrock-150x150.jpg)](https://www.myknowledgebroker.com/hs-fs/file-3852081481-jpg/blog-files/shamrock-150x150.jpg) Topics: [Personal Insurance](https://www.myknowledgebroker.com/blog/topic/personal-insurance), [Party Wagon insurance](https://www.myknowledgebroker.com/blog/topic/party-wagon-insurance), [Collection insurnace](https://www.myknowledgebroker.com/blog/topic/collection-insurnace), [insuring collectibles](https://www.myknowledgebroker.com/blog/topic/insuring-collectibles) ## [What is America's Favorite Halloween Candy?](https://www.myknowledgebroker.com/blog/what-is-americas-favorite-halloween-candy) Posted by [the knowledge brokers](https://www.myknowledgebroker.com/blog/author/the-knowledge-brokers) - [Tweet](https://twitter.com/share) Candy's favorite holiday is Halloween! So, what candy do Americans enjoy the most? This ranking was based on the sales of candy units weighing less than 3.5 oz, which includes most candy bars. According to the National Confectioners Association, 72% of all candy spending this Halloween will be on chocolate. Let's see if you were able to guess any of these: America's favorite Halloween Chocolate: 10. Almond Joy 9. Milky Way 8. Hershey's Cookies N' Creme 7. 3 Musketeers 6. Twix 4 to Go 5. Kit Kat 4. Hershey's 3. Snickers 2. M&M's 1. Reese's Last year, more than** $16.6 billion** was spent on chocolate in the United States. We hope you get some of your favorites in your trick-or-treat bags this year! Happy Halloween and learn some tips to [keep trick-or-treating safe. ](http://www.myknowledgecenter.com/personal-insurance/trick-or-treating-safety/) For information on how R&R Insurance can help with your insurance protection, please visit our [website](https://www.myknowledgebroker.com/).   Topics: [Personal Insurance](https://www.myknowledgebroker.com/blog/topic/personal-insurance) ## [Health insurance for Fido?](https://www.myknowledgebroker.com/blog/personal-insurance/health-insurance-for-fido/) Posted by [the knowledge brokers](https://www.myknowledgebroker.com/blog/author/the-knowledge-brokers) - [Tweet](https://twitter.com/share) [![](https://www.myknowledgebroker.com/hs-fs/file-3868488352-jpg/blog-files/maggie11-150x150.jpg?width=150&height=150&name=maggie11-150x150.jpg)](https://www.myknowledgebroker.com/hs-fs/file-3868488352-jpg/blog-files/maggie11-150x150.jpg) Humans aren't the only ones facing skyrocketing healthcare costs. The price of veterinary service continues to rise which may make buying pet insurance worth the premiums. There are 3 basic types of pet policies: - **Accidents only - average monthly premium $20** - **Accidents and illnesses - average monthly premium $40** - **Wellness (checkups) and accidents - average monthly premium $75** The best candidates for pet insurance may be owners of a pet that has a higher risk of getting hurt or sick, and minimal bankroll to spend on pet bills. It ends up being risk management against a serious accident or illness. If you are going to look into coverage for your pet, ask these questions when shopping: 1. What is and isn't covered? 2. What are the co-insurance charges? Are you able to choose the deductible you want? 3. What are the coverage limits per year, incident, and lifetime? 4. How are pre-existing conditions handled? 5. How and when are claims reimbursed? While you're in charge of deciding what options are best for your beloved pet, let us help you review what is best for your home and auto insurance protection by [contacting us. ](https://www.myknowledgebroker.com/contact-us/general-quote-inquiry/) Topics: [Personal Insurance](https://www.myknowledgebroker.com/blog/topic/personal-insurance), [pet insurance](https://www.myknowledgebroker.com/blog/topic/pet-insurance), [veterinary service](https://www.myknowledgebroker.com/blog/topic/veterinary-service), [coverage for yourpet](https://www.myknowledgebroker.com/blog/topic/coverage-for-yourpet), [healthcare costs](https://www.myknowledgebroker.com/blog/topic/healthcare-costs) [Previous](https://www.myknowledgebroker.com/blog/topic/personal-insurance/page/5) [All posts](https://www.myknowledgebroker.com/blog/all) [Next](https://www.myknowledgebroker.com/blog/topic/personal-insurance/page/7) ### Subscribe to Email Updates ### Recent Posts ### Posts by Topic - [Business Insurance (263)](https://www.myknowledgebroker.com/blog/topic/business-insurance) - 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