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Brown County raises property insurance deductibles, keeps auditorium covered to reduce premiums
Summary
After debate, commissioners voted to raise county property insurance deductibles to a midrange option and retain coverage for the auditorium, citing budget pressure and a plan to bank premium savings for future deductible costs.
Brown County commissioners voted to raise county property insurance deductibles to a midrange option and to continue insuring the auditorium, a change intended to reduce premium costs while reserving funds to cover higher deductibles if needed.
Commissioners reviewed several deductible and premium scenarios in which raising deductibles would lower the county’s 2026 premium. One commissioner advocated for a more aggressive deductible increase while others recommended a moderate approach and saving the premium savings in a designated line item for deductible costs. A motion to change deductibles to the $25,050 option and keep the property list (including auditorium coverage) was moved, seconded and adopted; the motion included an estimated total 2026 premium of $194,163 (SEG 3735–3754).
Commissioners said they will transfer expected premium savings to a deductible reserve in next year’s budget to avoid using general funds for claim deductibles. No changes to coverage outside the auditorium listing were made, and staff were directed to reflect the deductible change in budget planning materials.
