Lake house insurance in Wisconsin - what you need to know

Own a lake house in northern Wisconsin and learned a lot about insuring these properties. Sharing for others.

1) Seasonal homes often have coverage gaps - make sure yours covers year-round. 2) Dock and boat lift coverage is usually separate. 3) Water damage from lake flooding is covered as flood, not homeowners. 4) Most WI lake houses need separate wind coverage for storms. 5) The state has good insurance help - OCI helped me understand my coverage gaps when I called. Got proper coverage now and actually cheaper than my original mishmash of policies.