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Do you know if your home is underinsured?

Reconstruction Cost increases in the state of Wisconsin are amongst the highest in the country, ranging from 14.5% to 16.8% year over year. The primary drivers of these large price swings include inflation, supply chain management, labor shortages, and rising fuel costs.


3 out of 5 homes are underinsured by an average of 20% below full Replacement Cost, according to property data aggregator, CoreLogic.


Don't leave the protection of one of your largest assets to just any insurance agency or online quoting platform. At R&R Insurance we know how to properly protect your home while providing cost competitive Personal Insurance options.

We Know. We Are The Knowledge Brokers.

Construction Costs On The Rise

The Wisconsin Real Estate market continues to skyrocket at an unprecedented pace. Add to that, several examples of increasing construction material costs specific to our area. These large increases make it more important than ever to review the Replacement Cost Limits on your Homeowner's Insurance. 

  • Lumber 28.7%
  • Roofing Materials 16.5%
  • Drywall 15.9%
  • Paint 10.5%

Source: Verisk 360 Value Quarterly Reconstruction Cost Analysis

"I've had two claims in my years with R&R. Both went as smooth as silk." - Michael L. | R&R Customers since 2008

Is your Homeowners Insurance Limit keeping pace with the actual cost to rebuild?


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Case Study: An Underinsured Home

The Dwelling Limit on your Homeowners Insurance policy is critical in the event of a serious claim. We'll use the following numbers as an example:

Home Purchase Price: $575,000

Home Insurance Limit: $475,000

Cost to Rebuild in 2022: $625,000

If this home was severely damaged in a catastrophe - fire, tornado, explosion, etc. - it would be considered grossly underinsured.

The insurance company would be responsible for the removal of damaged debris, site preparation, and the process of rebuilding the home from the ground up with the same construction quality and design as the previous home. They will only cover the cost of each these items combined up to the Dwelling Limit.

In this scenario, the Homeowners would be responsible for $150,000 in out-of-pocket expense costs! This could be catastrophic for the average family, especially when their Dwelling Limit could be increased for a nominal overall cost. 


What items factor into your Replacement Cost & Dwelling Limit?

  • Home Characteristics - year built, square footage, home style, finished basements, garages, decks/patios/porches, bedroom & bathroom count, etc.  
  • Quality & Materials - from Builder's Grade to completely Custom, the overall finish of kitchens, bathrooms, flooring, basements, and more 
  • Debris Removal - the often overlooked cost of removing damaged debris after a covered claim is contained within the Dwelling Limit.

Dwelling Limit Extensions and Coverage Options 

If a geographical area is damaged by a covered catastrophe, construction materials and labor costs can rise sharply to unexpected levels. R&R Insurance partners with companies that offer coverage options to properly rebuild your home.

  • Dwelling Limit Extensions - Extend coverage by 125% or 150%
  • Guaranteed Replacement Cost - Uncapped coverage with no limit

Request a no-obligation policy review from one of our Personal Insurance specialists. We'll review your home in detail, prepare an accurate Replacement Cost Estimate Report, and propose a Homeowners Insurance policy that accurately reflects your actual cost to rebuild.

Contact Us

Ryan Nowicki

Personal Lines Director

Waukesha |
P: 262-953-7103

Liz Johnson, MBA

Medicare Benefits Specialist

Waukesha |
P: 262-696-5077

Tammy Cross

Sr. Sales Executive

Waukesha |
P: 262-502-3852

Tom Driscoll, CLTC

Life & Estate Planning

Waukesha |
P: 262-953-7246

Jeff Wolfgram, CPCU, WCS

Sr. Sales Executive

Waukesha |
P: 262-953-7105

Eric Fridl

Personal Lines Insurance Consultant

Waukesha |
P: 262.953.7107

Audra Noack

Personal Lines Service Manager

Waukesha |
P: 262.953.7148

Luke Wiskes

Personal Lines Insurance Consultant

Waukesha |
P: 262.953.7230

Don Charpentier

Personal Lines Insurance Consultant

Waukesha |
P: 262.953.7166