Polar Insurance provides personalized personal insurance solutions for individuals and families across Southeast Wisconsin, helping protect vehicles, property, health, income, and loved ones through every stage of life.
Personal insurance coverage options include:
- Auto Insurance – Coverage for cars, trucks, and daily drivers
- Homeowners Insurance – Protection for your home, property, and liability
- Condo Insurance – Unit-level coverage aligned with association policies
- Renters Insurance – Affordable coverage for property and liability
- Umbrella Insurance – Additional liability protection beyond standard limits
- Flood Insurance – Coverage for flood damage not included in standard policies
- Recreational & Specialty Vehicles – Insurance for boats, ATVs, and RVs
- Motorcycle Insurance – Rider-focused coverage options
- Pet Insurance – Helps manage veterinary and emergency costs
- Life Insurance – Financial protection for loved ones
- Disability Insurance – Income protection if you can’t work
- Long-Term Care Insurance – Coverage for future care needs
- Health Insurance (Under 65) – Individual and family health coverage
- Medicare Insurance – Medicare Advantage and supplement plans
From everyday coverage like auto and homeowners insurance to life, health, and long-term care planning, we help you build a protection strategy that fits your needs today while preparing you for what’s ahead.
Wisconsin Auto Insurance
Protection for You, Your Passengers & Your Vehicle
Auto insurance is one of the most important coverage decisions you’ll make as a Wisconsin driver.
At Polar Insurance, we help you compare multiple carriers, review coverage needs, and secure the best possible rates
based on your driving history, household, vehicle type, and location.
Coverage options include:
- Liability coverage (required in Wisconsin)
- Collision & comprehensive
- Uninsured & underinsured motorist
- Medical payments
- Roadside assistance & rental reimbursement
- Safe-driver, multi-car & bundle discounts
Serving Milwaukee, Waukesha, Racine/Kenosha, Mequon, and surrounding areas, we help drivers secure properly structured auto coverage that fits their vehicles, driving habits, and risk profile.
Wisconsin Homeowners Insurance
Comprehensive Protection for Your Home, Family & Property
Your home is one of your largest financial investments. Homeowners insurance protects your dwelling, personal property, and liability exposure. We shop multiple carriers to ensure proper coverage and competitive pricing.
Coverage options include:
- Dwelling & extended replacement cost
- Personal property coverage
- Detached structures (garages, sheds, fencing)
- Loss of use (temporary housing)
- Personal liability & medical payments
- Water backup & equipment breakdown options
We help ensure your homeowners coverage is properly structured to protect your property, assets, and financial stability.
Wisconsin Condo Insurance
Coverage That Complements Your HOA Master Policy
Condo insurance protects the interior of your unit and your belongings while your HOA covers shared structures. We help you identify exactly what the master policy covers so your personal policy fills every gap.
Coverage highlights:
- Interior structure (walls, flooring, cabinetry)
- Personal belongings & valuables
- Liability & guest medical coverage
- Loss assessment coverage
- Water damage & special endorsements
We help ensure your condo coverage properly fills the gaps left by your association’s master policy.
Wisconsin Renters Insurance
Affordable Protection for Your Belongings & Liability
Renters insurance protects your personal belongings and liability exposure while renting an apartment,
townhome, or single-family home. It covers what the landlord does not.
What’s covered:
- Personal belongings
- Theft, fire, smoke & water damage
- Liability protection
- Loss of use (temporary housing)
We help renters secure simple, affordable coverage for their belongings and personal liability.
Umbrella Insurance
Extra Liability Protection for Wisconsin Families
Umbrella insurance adds an additional layer of liability protection above your auto and home policies. It’s one of the most cost-effective ways to protect your assets.
You may benefit from umbrella coverage if:
- You own a home or rental property
- You have teen drivers
- You frequently host guests
- You want protection above standard policy limits
- You want broader legal defense coverage
Additional liability coverage can be evaluated based on assets and overall exposure.
Flood Insurance
Protection Against Water Damage Not Covered by Homeowners Insurance
Standard homeowners insurance does not cover flood damage. Flood insurance protects your home and belongings from rising water, storm runoff, melting snow, and drainage overflow.
Coverage options include:
- Building coverage
- Contents coverage
- Basement contents (limited)
- Replacement cost options
Flooding can occur anywhere — not only in mapped flood zones.
Flood exposure can be reviewed to determine whether standalone coverage is appropriate.
Recreational & Specialty Vehicle Insurance
Motorcycles, Boats, ATVs, RVs & More
Wisconsin is popular for outdoor recreation, and specialty vehicles deserve proper protection. We insure boats, ATVs, UTVs, snowmobiles, RVs, campers, and collector vehicles.
Coverage includes:
- Liability & medical coverage
- Collision & comprehensive
- Custom parts & equipment
- Total loss replacement
- Agreed value for classic vehicles
Coverage can be structured based on how vehicles are used, stored, and valued.
Motorcycle Insurance
Specialized Coverage for Wisconsin Riders
Motorcycles often require more customized coverage than standard recreational vehicles.
We help riders find the right combination of liability, medical coverage, equipment protection,
and total loss options.
Coverage includes:
- Collision & comprehensive
- Accessory coverage
- Liability & guest passenger liability
- OEM parts replacement
- Custom parts & equipment coverage
Coverage options can be tailored to riding style, equipment, and risk.
Pet Insurance
Like any member of the family, pets can have unexpected medical needs that can be costly and burdensome. With pet insurance options through Polar Insurance Agency, you can find peace of mind, knowing your pets are protected.
- Speak to an agent for more details.
We help pet owners understand available coverage options and choose plans that fit their budget and care preferences.
Life Insurance
Protecting Your Family’s Financial Future
Life insurance provides financial security for your loved ones. We help you compare term life, whole life, and universal life policies to match your goals and budget.
Common uses:
- Income replacement
- Debt protection
- Mortgage protection
- Final expenses
- Legacy or estate planning
We help align life insurance coverage with your financial goals, family needs, and long-term planning priorities.
Disability Insurance
Income Protection If Injury or Illness Prevents You From Working
Disability insurance provides income replacement if an injury or illness prevents you from working. This coverage is essential for protecting your financial stability.
Benefits include:
- Short-term and long-term options
- Partial or total disability coverage
- Custom elimination periods
- Tax considerations for benefit payments
Income protection needs are evaluated based on occupation and financial responsibilities.
Long-Term Care Insurance
Planning for Extended Care Needs
Long-term care insurance helps cover the costs of assisted living, home health care, nursing facilities, and dementia care. Without coverage, these expenses can become overwhelming.
Coverage features:
- Daily care benefits
- Home care, assisted living & nursing care
- Inflation protection options
- Shared spousal benefits
We help plan for future care needs by aligning long-term care coverage with your financial goals and timeline.
Health Insurance (Under 65)
Marketplace, Private Plans & Supplemental Health Coverage
We assist Wisconsin residents under age 65 with private health insurance, Affordable Care Act (ACA) Marketplace plans, and supplemental coverage. We help evaluate deductibles, networks, and subsidy eligibility.
We help with:
- ACA Marketplace enrollment
- Private health plans
- HSA-compatible options
- Short-term plans
- Supplemental accident & critical illness plans
We help individuals and families navigate health insurance options to find coverage that fits their needs and budget.
Medicare Insurance
Helping Wisconsin Seniors Understand Their Medicare Options
Medicare can be confusing — but it doesn’t have to be. We help seniors compare Medicare Advantage, Medicare Supplement (Medigap), and Part D prescription plans to find the right balance of coverage, cost, and provider access.
We assist with:
- Medicare Supplement (Medigap) plans
- Medicare Advantage plans (Part C)
- Prescription Drug Plans (Part D)
- Annual Enrollment Period (AEP) reviews
- Coverage comparisons across counties
We help guide Medicare decisions by explaining plan options, coverage differences, and enrollment considerations.