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If you’re on the verge of homeownership and thinking of buying homeowners insurance, today’s message is simple: Home insurance isn’t a home maintenance policy—it’s an insurance policy for cause of loss. I’ve brought on Paul Stokes of American Family Insurance to explain the difference. For example, a tree falling in your yard is a home maintenance issue—not an insurance claim. If the tree fell on top of your house, though, that’s something you could claim. A leaky pipe is another example of something that’s a home maintenance issue. However, if that same pipe freezes over the winter and then bursts and causes water damage, that can be covered by homeowners insurance. If you have any questions about this or any other topic related to homeowners insurance, give Paul a call at (608) 274-9702. If you have any real estate questions for me, feel free to reach out to me as well. I’d love to help you.