Bring current policy declarations, driver details, and VINs for vehicles, plus home facts like year built, square footage, and major updates. If you rent, a quick inventory of high-value items helps us set the right personal property limits. We also ask about prior claims and preferred deductibles so we can compare apples to apples across carriers. Sharing this up front speeds up quotes and leads to more accurate savings.

Yes, you can change carriers any time, and we help line up the new start date with the old cancellation for continuous coverage. If you have an escrowed homeowners policy, we coordinate with your mortgage servicer so billing stays clean. Pro-rated refunds from your old carrier are common when you cancel after the renewal date. Our team handles the paperwork and timing so nothing is left uncovered.

Many Wisconsin carriers offer multi-policy discounts when you combine home and auto or add life insurance. The exact savings vary by carrier, policy type, and your risk profile, but bundling often unlocks additional credits like claim-free or protective device. Bundles also simplify billing and renewals, which makes annual reviews easier. T4 Insurance Solutions will show side-by-side bundle vs. stand-alone pricing so you can choose confidently.

Adding a teen driver, moving, finishing a renovation, or buying a rental property can change both premium and the coverage you need. Teen drivers may qualify for good-student, driver training, or telematics credits that help offset costs. A move within Washington County or to nearby communities like West Bend or Germantown can change fire protection class and repair costs. Tell us about life changes early so we can adjust limits and check for new discounts.

Plan on a yearly review or any time you experience a major change such as a new vehicle, roof replacement, or family milestone. We verify dwelling rebuild costs, liability limits, deductibles, and endorsements like water backup or special valuables. We also look for fresh discounts and carrier alternatives based on current market pricing in southeastern Wisconsin. A quick conversation keeps your policies aligned with the way you live today.