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Home Insurance

Donald R. Wise Insurance offers competitive rates for home insurance policies. Our home insurance programs provide a safety net for you and your family when certain unfortunate events happen like theft, fire or burglary. We can help you select the right coverage to protect your home and personal property.

If you are renting an apartment, home, or condo, you can protect your family with Donald R. Wise Insurance. Renter’s insurance can protect your personal property against fire, theft and vandalism as well as from personal liability lawsuits.

Flood insurance is the best way to protect you from devastating financial loss. Flood insurance is available to homeowners, renters, condo owners/renters, and commercial owners/renters. Costs vary depending on how much insurance is purchased, what it covers and the property's flood risk.

Flood insurance coverage options:

Preferred Risk Policy

If your building is in an area with a low to moderate flood risk, you may be eligible for a low-cost Preferred Risk policy. Two types of coverage are offered: building and contents-combined or contents only.

If you don't qualify for a Preferred Risk policy, a Standard Risk policy is available.

Standard Risk Policy

Customers in high-risk areas can qualify for Standard Risk coverage for combined coverage, building only, or contents coverage only.

How much Flood insurance can I get?

Coverage limits for Flood insurance are based on the value of the building and its contents. Maximum coverage limits are determined by the National Flood Insurance Program, as follows:

Type Building Contents
Residential $250,000 $100,000
Nonresidential (commercial) $500,000 $500,000
Who is eligible for coverage?

Flood insurance is available in all 50 states, as long as your community participates in the National Flood insurance Program (except in Coastal Barrier Resources System (CBRS) areas). Contact Donald R Wise Insurance for more information and to see if your community participates.