R.S. Semler & Associates Insurance Inc.
“Insurance of All Kinds”

R.S. Semler & Associates Insurance Inc.
870 W. Sumner Street (Hwy. 60), P.O. Box 270108, Hartford, WI 53027

Hours: Monday - Friday 8:15 am - 5:00 pm
P: 262-673-3160 F: 262-673-9466

Click here to see where we are located.
The professional independent agents at R.S. Semler & Associates Insurance Inc. are local, community members who see you as a neighbor, not just a policy number.

• We help friends and neighbors manage their risk.

• Provide personal support and service.

• Get to know you and your situation so we can better answer your questions and suggest the best coverages for you.

R.S. Semler & Associates Insurance, Inc.

We have been providing peace-of-mind to Hartford and its surrounding counties for over 45 years. We represent only the most reputable and financially stable insurance companies, which gives our clients the protection they deserve. Our specialty is tailoring policies specific to your personal or commercial needs.

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Renter’s Insurance

Disasters don’t differentiate between rented buildings and owned homes. Renters face the same risk as homeowners. Your landlord may have insurance, but it only protects the building structure, not the personal items inside. Renters insurance can protect your belongings in case of disaster.

What would happen to your belongings if:

• Your apartment building burned down?

A thief broke into your town house?

A guest slipped and injured himself in your kitchen?

The home you're renting suffered water damage?

Without renters insurance, you have no coverage for personal property loss or damage. You can get affordable renters insurance (also called apartment insurance) to protect you in situations like these.

Protect Your Belongings

Too often, people think they don't have enough property to make a renters insurance policy worthwhile. But let’s consider what you own, and what you've got to lose, such as:



A television or entertainment system

A computer

An iPod

Musical or sporting equipment


Renters insurance provides protection if your personal property is damaged, stolen, or destroyed.

When Does Renters Insurance Apply to You?

Your renters policy will state exactly what you're insured against, it’s called “named peril” coverage.

The named perils in your renters policy may include:

Fire or Lightning



Vandalism or Malicious Mischief


Accidental Discharge of Water

Other common loss types

Your coverage will also include liability protection, which covers injury to another person on your property. If necessary, your policy may even pay for your legal defense in these circumstances.

Additionally, your policy will include medical payments coverage that pays for medical expenses of people who don't live with you, but who are injured on your property.

Please note:

This information is general information to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions expressly stated in any contracts of insurance. Please speak to one of our licensed insurance representative and read your policy contract to fully understand your coverages.