Wisconsin Homeowners Insurance (August 23)
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Why compare home insurance rate in Wisconsin with Way.com
- Wisconsin homeowners insurance costs $1,020 annually.
- Insurers offer home insurance policies in the state starting at around $850 annually.
- As tornadoes affect the state, always ensure that your insurance policy covers tornado damage.
Best Wisconsin Home Insurance
Are you looking to get the best home insurance in Wisconsin? We have analyzed all the major insurance companies to guide you in finding the best WI home insurance.
Wisconsin homeowners insurance: What you need to know
The average home insurance cost in Wisconsin comes to around $1,020 yearly. The rate is lower than the national average rate.
The affordable insurance rates could be due to low property crime rates. The state does not experience major natural disasters like tornadoes or hurricanes. So the chances of filing claims are also lower. Do you want cheap home insurance quotes in Wisconsin? We’ve got you covered in finding the best homeowners insurance in Wisconsin!
What does a homeowners insurance policy cover?
Ideally, a home insurance policy covers Dwelling, Liability, Other Structures, Personal Property, Medical Payments to Others, and Additional Living Expenses. But you can also buy these coverages in Wisconsin to get additional home protection.
- Flood insurance: Normally, a homeowners insurance policy doesn’t cover flood damage. As flooding is common in the country, buying extra insurance to cover flood damage is best. You can buy via some private insurers or FEMA.
- Water backup coverage: If your home suffers damage from a blocked sewer or drain line, consider this add-on option.
- Equipment breakdown: Weather fluctuations in the state can damage plumbing, heating, and electrical systems. Buying this coverage is like purchasing an extended warranty for your appliances. If your furnace gets damaged, your insurer may cover the repair or replacement costs as long as the damage isn’t due to wear and tear or a lack of maintenance.
- Sinkhole coverage: If you live in a sinkhole-prone area in Wisconsin, you will need this coverage.
What isn’t covered by a typical homeowners insurance policy?
Typically, a home insurance policy doesn’t offer coverage for war, wear and tear, earthquakes, nuclear threats, flooding, insect and vermin infestations, power outages, sinkholes, or intentional loss. Review your policy thoroughly before buying to ensure the coverages you get.
The cheapest home insurance companies in Wisconsin
The rate of homeowners insurance in Wisconsin can vary based on your chosen insurer. With an annual average rate of $850, Badger Mutual offers the most affordable Wisconsin homeowners insurance.
You can get even lower insurance rates if you buy a policy after comparing quotes from all the insurers. Using the various discounts available helps you lower insurance costs.
| Insurer | Average annual rate |
|---|---|
| Badger Mutual | $850 |
| Rural Mutual Insurance | $868 |
| SECURA Supreme | $868 |
| Erie | $888 |
| Wisconsin Mutual | $952 |
The best homeowners insurance in Wisconsin for those with poor credit
Expect your premiums to increase if you have a low credit score. Insurers consider low credit scores as a sign that you are more likely to rely on claims to cover the cost of minor damages. Allstate has the lowest home insurance rates in Wisconsin for a homeowner with bad credit, with an average yearly premium of $1,609.
| Insurer | Average annual rate |
|---|---|
| Allstate | $1,609 |
| Acuity | $1,787 |
| American Family | $2,082 |
| Auto-Owners | $2,272 |
| State Farm | $2,419 |
The best homeowners insurance in Wisconsin for pool owners
Having a pool in your backyard can cause injuries and liability risks. So some insurers will charge you a higher rate if you have one. Allstate has the cheapest homeowners insurance in Wisconsin for homes with swimming pools, with an average annual premium of $1,067.
| Insurer | Average annual rate |
|---|---|
| Allstate | $1,067 |
| American Family | $1,189 |
| Auto-Owners | $1,259 |
| Acuity | $1,271 |
| State Farm | $1,415 |
The best homeowners insurance in Wisconsin for dog owners
If your insurer considers your dog’s breed ‘aggressive’ or ‘dangerous,’ you must pay higher premiums. With a yearly average premium of $1,067, Allstate has the lowest home insurance rates in Wisconsin for a home with a dangerous dog breed.
| Insurer | Average annual rate |
|---|---|
| Allstate | $1,067 |
| American Family | $1,197 |
| Auto-Owners | $1,259 |
| Acuity | $1,271 |
| State Farm | $1,415 |
Homeowners insurance deductibles in Wisconsin
While buying homeowners insurance in Wisconsin, homeowners must choose many options, including the deductible amount. A deductible is a sum you must pay from your wallet during a covered loss. The deductible level you choose impacts how much you pay in insurance premiums. So, the higher your deductible, the lower your premiums will be. These are the typical deductibles offered by insurers in Wisconsin.
| Deductible Level | Average annual rate |
|---|---|
| $500 | $992 |
| $1000 | $913 |
| $1500 | $873 |
| $2000 | $823 |
| $5000 | $701 |
Wisconsin home insurance prices by coverage levels
Your coverage level also affects the insurance premiums you pay. Having $100,000 in dwelling coverage costs an average of $505 annually in Wisconsin. At the same time, carrying dwelling coverage up to $400,000 costs as much as $1,316 per year.
| Dwelling coverage cost | Average annual rate |
|---|---|
| $100,000 | $505 |
| $200,000 | $814 |
| $250,000 | $913 |
| $400,000 | $1,316 |
Wisconsin homeowners insurance costs by city
The rate of homeowners insurance in Wisconsin varies by city. City-specific factors like the volume of nearby claims, your ZIP code, and even your area’s crime rate significantly determine the Wisconsin homeowners insurance cost. These are the rates in the various cities.
| City | Average annual rate |
|---|---|
| Abbotsford | $845 |
| Abrams | $814 |
| Adams | $899 |
| Adell | $696 |
| Afton | $888 |
| Albany | $864 |
| Algoma | $757 |
| Allenton | $754 |
| Allouez | $791 |
| Alma | $939 |
| Alma Center | $864 |
| Almena | $976 |
| Almond | $899 |
| Altoona | $890 |
| Amberg | $848 |
| Amery | $1,056 |
| Amherst | $848 |
| Amherst Junction | $840 |
| Aniwa | $843 |
| Antigo | $860 |
| Appleton | $779 |
| Arcadia | $965 |
| Arena | $852 |
| Argonne | $839 |
| Argyle | $909 |
| Arkansaw | $960 |
| Arkdale | $913 |
| Arlington | $850 |
| Armstrong Creek | $833 |
| Arpin | $874 |
| Ashland | $896 |
| Ashwaubenon | $746 |
| Athelstane | $869 |
| Athens | $836 |
| Auburndale | $876 |
| Augusta | $891 |
| Avalon | $822 |
| Avoca | $890 |
| Babcock | $879 |
| Bagley | $926 |
| Baileys Harbor | $746 |
| Baldwin | $1,025 |
| Balsam Lake | $1,005 |
| Bancroft | $904 |
| Bangor | $904 |
| Baraboo | $878 |
| Barneveld | $850 |
| Barron | $988 |
| Barronett | $984 |
| Bassett | $867 |
| Bay City | $981 |
| Bayfield | $912 |
| Bayside | $786 |
| Bear Creek | $801 |
| Beaver Dam | $776 |
| Beldenville | $982 |
| Belgium | $720 |
| Belleville | $814 |
| Bellevue | $744 |
| Belmont | $915 |
| Beloit | $826 |
| Benet Lake | $867 |
| Benoit | $900 |
| Benton | $919 |
| Berlin | $930 |
| Big Bend | $749 |
| Birchwood | $955 |
| Birnamwood | $852 |
| Biron | $903 |
| Black Creek | $746 |
| Black Earth | $777 |
| Black River Falls | $885 |
| Blair | $978 |
| Blanchardville | $902 |
| Blenker | $911 |
| Bloomer | $903 |
| Bloomington | $924 |
| Blue Mounds | $788 |
| Blue River | $913 |
| Bohners Lake | $871 |
| Bonduel | $889 |
| Boscobel | $956 |
| Boulder Junction | $850 |
| Bowler | $921 |
| Boyceville | $934 |
| Boyd | $898 |
| Brandon | $770 |
| Brantwood | $850 |
| Brice Prairie | $898 |
| Briggsville | $950 |
| Brill | $1,012 |
| Brillion | $843 |
| Bristol | $838 |
| Brodhead | $851 |
| Brokaw | $890 |
| Brookfield | $772 |
| Brooklyn | $823 |
| Brown Deer | $797 |
| Browns Lake | $867 |
| Brownsville | $757 |
| Browntown | $863 |
| Bruce | $900 |
| Brule | $917 |
| Brussels | $765 |
| Bryant | $863 |
| Burlington | $885 |
| Burnett | $811 |
| Butler | $770 |
| Butte des Morts | $810 |
| Butternut | $898 |
| Cable | $924 |
| Cadott | $841 |
| Caledonia | $786 |
| Cambria | $884 |
| Cambridge | $751 |
| Cameron | $979 |
| Camp Douglas | $941 |
| Camp Lake | $833 |
| Campbellsport | $765 |
| Caroline | $900 |
| Cascade | $705 |
| Casco | $732 |
| Cashton | $912 |
| Cassville | $939 |
| Cataract | $966 |
| Catawba | $846 |
| Cazenovia | $883 |
| Cecil | $888 |
| Cedar Grove | $694 |
| Cedarburg | $726 |
| Centuria | $1,065 |
| Chain O' Lakes | $928 |
| Chaseburg | $888 |
| Chenequa | $744 |
| Chetek | $975 |
| Chili | $842 |
| Chilton | $811 |
| Chippewa Falls | $877 |
| Clam Lake | $905 |
| Clayton | $1,063 |
| Clear Lake | $1,046 |
| Cleveland | $771 |
| Clinton | $855 |
| Clintonville | $895 |
| Clyman | $832 |
| Cobb | $884 |
| Cochrane | $920 |
| Colby | $849 |
| Coleman | $845 |
| Colfax | $906 |
| Colgate | $761 |
| Collins | $829 |
| Coloma | $958 |
| Columbus | $837 |
| Combined Locks | $808 |
| Como | $885 |
| Comstock | $995 |
| Conover | $859 |
| Conrath | $897 |
| Coon Valley | $902 |
| Cornell | $877 |
| Cornucopia | $880 |
| Cottage Grove | $779 |
| Couderay | $937 |
| Crandon | $859 |
| Crivitz | $854 |
| Cross Plains | $787 |
| Cuba City | $925 |
| Cudahy | $733 |
| Cumberland | $999 |
| Curtiss | $867 |
| Cushing | $1,035 |
| Custer | $864 |
| Dallas | $1,036 |
| Dalton | $895 |
| Danbury | $1,106 |
| Dane | $794 |
| Darien | $867 |
| Darlington | $910 |
| De Pere | $767 |
| De Soto | $881 |
| Deer Park | $1,056 |
| Deerbrook | $874 |
| Deerfield | $780 |
| DeForest | $771 |
| Delafield | $741 |
| Delavan | $853 |
| Delavan Lake | $863 |
| Dellwood | $925 |
| Delwood | $906 |
| Denmark | $749 |
| Dickeyville | $987 |
| Dodge | $982 |
| Dodgeville | $900 |
| Dorchester | $858 |
| Dousman | $771 |
| Downing | $982 |
| Downsville | $1,007 |
| Doylestown | $895 |
| Dresser | $1,037 |
| Drummond | $909 |
| Dunbar | $849 |
| Durand | $931 |
| Eagle | $758 |
| Eagle Lake | $846 |
| Eagle River | $860 |
| East Ellsworth | $1,007 |
| East Troy | $799 |
| Eastman | $892 |
| Eau Claire | $908 |
| Eau Galle | $921 |
| Eden | $741 |
| Edgar | $843 |
| Edgerton | $817 |
| Edmund | $906 |
| Egg Harbor | $768 |
| Eland | $833 |
| Elcho | $872 |
| Eldorado | $763 |
| Eleva | $938 |
| Elk Mound | $887 |
| Elkhart Lake | $698 |
| Elkhorn | $878 |
| Ellison Bay | $752 |
| Ellsworth | $1,054 |
| Elm Grove | $756 |
| Elmwood | $971 |
| Elmwood Park | $800 |
| Elroy | $933 |
| Elton | $854 |
| Embarrass | $900 |
| Endeavor | $953 |
| Ephraim | $822 |
| Ettrick | $968 |
| Evansville | $840 |
| Exeland | $892 |
| Fairchild | $897 |
| Fairwater | $844 |
| Fall Creek | $854 |
| Fall River | $864 |
| Fence | $850 |
| Fennimore | $935 |
| Ferryville | $918 |
| Fifield | $863 |
| Fish Creek | $753 |
| Fitchburg | $780 |
| Florence | $846 |
| Fond du Lac | $756 |
| Fontana | $866 |
| Fontana-on-Geneva Lake | $879 |
| Footville | $899 |
| Forest Junction | $847 |
| Forestville | $757 |
| Fort Atkinson | $805 |
| Fountain City | $913 |
| Fox Lake | $792 |
| Fox Point | $792 |
| Foxboro | $975 |
| Francis Creek | $827 |
| Franklin | $724 |
| Franksville | $784 |
| Frederic | $1,073 |
| Fredonia | $737 |
| Fremont | $858 |
| French Island | $902 |
| Friendship | $900 |
| Friesland | $909 |
| Galesville | $972 |
| Galloway | $903 |
| Gays Mills | $922 |
| Genesee Depot | $824 |
| Genoa | $869 |
| Genoa City | $849 |
| Germantown | $765 |
| Gile | $933 |
| Gillett | $798 |
| Gilman | $907 |
| Gilmanton | $928 |
| Gleason | $867 |
| Glen Flora | $895 |
| Glen Haven | $923 |
| Glenbeulah | $719 |
| Glendale | $798 |
| Glenwood City | $1,033 |
| Glidden | $903 |
| Goodman | $831 |
| Gordon | $981 |
| Gotham | $964 |
| Grafton | $727 |
| Grand Marsh | $926 |
| Grand View | $889 |
| Granton | $845 |
| Grantsburg | $1,113 |
| Gratiot | $921 |
| Green Bay | $750 |
| Green Lake | $899 |
| Green Valley | $950 |
| Greendale | $722 |
| Greenfield | $738 |
| Greenleaf | $768 |
| Greenville | $750 |
| Greenwood | $865 |
| Gresham | $880 |
| Hager City | $984 |
| Hales Corners | $712 |
| Hammond | $1,040 |
| Hancock | $926 |
| Hannibal | $911 |
| Hanover | $931 |
| Harshaw | $850 |
| Hartford | $755 |
| Hartland | $744 |
| Hatley | $819 |
| Haugen | $990 |
| Hawkins | $891 |
| Hayward | $928 |
| Hazel Green | $906 |
| Hazelhurst | $852 |
| Heafford Junction | $910 |
| Helenville | $794 |
| Herbster | $902 |
| Hertel | $1,053 |
| Hewitt | $875 |
| High Bridge | $904 |
| Highland | $883 |
| Hilbert | $780 |
| Hillpoint | $892 |
| Hillsboro | $897 |
| Hingham | $698 |
| Hixton | $866 |
| Hobart | $754 |
| Holcombe | $864 |
| Hollandale | $853 |
| Holmen | $907 |
| Horicon | $752 |
| Hortonville | $760 |
| Houlton | $1,013 |
| Howard | $752 |
| Howards Grove | $692 |
| Hubertus | $765 |
| Hudson | $1,020 |
| Humbird | $846 |
| Hurley | $888 |
| Hustisford | $742 |
| Hustler | $928 |
| Independence | $975 |
| Iola | $889 |
| Irma | $904 |
| Iron Belt | $871 |
| Iron Ridge | $770 |
| Iron River | $915 |
| Ixonia | $756 |
| Jackson | $765 |
| Janesville | $826 |
| Jefferson | $786 |
| Jim Falls | $875 |
| Johnson Creek | $771 |
| Juda | $859 |
| Jump River | $934 |
| Junction City | $864 |
| Juneau | $763 |
| Kansasville | $846 |
| Kaukauna | $772 |
| Kellnersville | $827 |
| Kendall | $901 |
| Kennan | $841 |
| Kenosha | $780 |
| Keshena | $922 |
| Kewaskum | $777 |
| Kewaunee | $753 |
| Kiel | $792 |
| Kieler | $984 |
| Kimberly | $779 |
| King | $885 |
| Knapp | $976 |
| Knowlton | $839 |
| Kohler | $685 |
| Krakow | $891 |
| Kronenwetter | $833 |
| La Crosse | $887 |
| La Farge | $897 |
| La Pointe | $916 |
| La Valle | $883 |
| Lac du Flambeau | $883 |
| Ladysmith | $947 |
| Lake Arrowhead | $872 |
| Lake Delton | $901 |
| Lake Geneva | $873 |
| Lake Hallie | $876 |
| Lake Koshkonong | $806 |
| Lake Lorraine | $847 |
| Lake Mills | $792 |
| Lake Nebagamon | $895 |
| Lake Ripley | $755 |
| Lake Tomahawk | $828 |
| Lake Wazeecha | $904 |
| Lake Wisconsin | $847 |
| Lake Wissota | $876 |
| Lakewood | $806 |
| Lancaster | $924 |
| Land O' Lakes | $847 |
| Lannon | $759 |
| Laona | $842 |
| Larsen | $820 |
| Lauderdale Lakes | $879 |
| Legend Lake | $923 |
| Lena | $827 |
| Leopolis | $866 |
| Lime Ridge | $924 |
| Linden | $881 |
| Little Chute | $778 |
| Little Round Lake | $959 |
| Little Suamico | $818 |
| Livingston | $936 |
| Lodi | $849 |
| Loganville | $873 |
| Lomira | $754 |
| Lone Rock | $923 |
| Long Lake | $839 |
| Lowell | $772 |
| Loyal | $845 |
| Lublin | $896 |
| Luck | $1,052 |
| Luxemburg | $746 |
| Lyndon Station | $924 |
| Madison | $815 |
| Maiden Rock | $954 |
| Malone | $768 |
| Manawa | $933 |
| Manitowish Waters | $854 |
| Manitowoc | $767 |
| Maple | $930 |
| Maple Bluff | $782 |
| Maplewood | $810 |
| Marathon | $842 |
| Marathon City | $836 |
| Marengo | $891 |
| Maribel | $779 |
| Marinette | $838 |
| Marion | $885 |
| Markesan | $927 |
| Marshall | $771 |
| Marshfield | $859 |
| Mason | $911 |
| Mather | $856 |
| Mattoon | $907 |
| Mauston | $977 |
| Mayville | $770 |
| Mazomanie | $775 |
| McFarland | $773 |
| McNaughton | $896 |
| Medford | $862 |
| Mellen | $908 |
| Melrose | $872 |
| Menasha | $785 |
| Menomonee Falls | $757 |
| Menomonie | $927 |
| Mequon | $739 |
| Mercer | $874 |
| Merrill | $851 |
| Merrillan | $857 |
| Merrimac | $885 |
| Merton | $745 |
| Middleton | $805 |
| Mikana | $958 |
| Milladore | $906 |
| Millston | $928 |
| Milltown | $1,060 |
| Milton | $817 |
| Milwaukee | $856 |
| Mindoro | $908 |
| Mineral Point | $900 |
| Minocqua | $851 |
| Minong | $934 |
| Mishicot | $788 |
| Mondovi | $949 |
| Monona | $774 |
| Monroe | $859 |
| Montello | $979 |
| Montfort | $955 |
| Monticello | $874 |
| Montreal | $887 |
| Morrisonville | $845 |
| Mosinee | $841 |
| Mount Calvary | $751 |
| Mount Hope | $922 |
| Mount Horeb | $762 |
| Mount Pleasant | $821 |
| Mount Sterling | $961 |
| Mountain | $829 |
| Mukwonago | $765 |
| Muscoda | $923 |
| Muskego | $739 |
| Nashotah | $742 |
| Necedah | $923 |
| Neenah | $778 |
| Neillsville | $874 |
| Nekoosa | $893 |
| Nelson | $987 |
| Nelsonville | $908 |
| Neopit | $955 |
| Neosho | $744 |
| Neshkoro | $910 |
| New Auburn | $923 |
| New Berlin | $747 |
| New Franken | $749 |
| New Glarus | $884 |
| New Holstein | $806 |
| New Lisbon | $912 |
| New London | $812 |
| New Munster | $857 |
| New Post | $965 |
| New Richmond | $1,036 |
| Newburg | $765 |
| Newton | $787 |
| Niagara | $836 |
| Nichols | $826 |
| North Fond du Lac | $750 |
| North Freedom | $907 |
| North Hudson | $1,017 |
| North Lake | $816 |
| North Prairie | $762 |
| Norwalk | $942 |
| Oak Creek | $735 |
| Oakfield | $742 |
| Oconomowoc | $734 |
| Oconomowoc Lake | $737 |
| Oconto | $813 |
| Oconto Falls | $855 |
| Odanah | $981 |
| Ogdensburg | $897 |
| Ogema | $867 |
| Ojibwa | $929 |
| Okauchee | $740 |
| Okauchee Lake | $734 |
| Omro | $828 |
| Onalaska | $895 |
| Oneida | $758 |
| Ontario | $934 |
| Oostburg | $687 |
| Oregon | $776 |
| Orfordville | $833 |
| Osceola | $1,095 |
| Oshkosh | $779 |
| Osseo | $901 |
| Owen | $861 |
| Oxford | $937 |
| Paddock Lake | $833 |
| Palmyra | $769 |
| Pardeeville | $866 |
| Park Falls | $854 |
| Park Ridge | $861 |
| Pearson | $877 |
| Pelican Lake | $848 |
| Pell Lake | $854 |
| Pembine | $882 |
| Pepin | $983 |
| Peshtigo | $843 |
| Pewaukee | $760 |
| Phelps | $863 |
| Phillips | $861 |
| Phlox | $913 |
| Pickerel | $871 |
| Pickett | $817 |
| Pigeon Falls | $986 |
| Pine River | $876 |
| Pittsville | $884 |
| Plain | $924 |
| Plainfield | $925 |
| Platteville | $919 |
| Pleasant Prairie | $811 |
| Plover | $852 |
| Plum City | $940 |
| Plymouth | $679 |
| Poplar | $958 |
| Port Edwards | $881 |
| Port Washington | $745 |
| Port Wing | $914 |
| Portage | $860 |
| Porterfield | $834 |
| Post Lake | $883 |
| Potosi | $927 |
| Potter | $815 |
| Potter Lake | $795 |
| Pound | $845 |
| Powers Lake | $845 |
| Poy Sippi | $896 |
| Poynette | $859 |
| Prairie du Chien | $932 |
| Prairie du Sac | $908 |
| Prairie Farm | $992 |
| Prentice | $836 |
| Prescott | $969 |
| Presque Isle | $833 |
| Princeton | $921 |
| Pulaski | $820 |
| Racine | $799 |
| Radisson | $893 |
| Randolph | $811 |
| Random Lake | $696 |
| Readfield | $904 |
| Readstown | $915 |
| Redgranite | $884 |
| Reedsburg | $875 |
| Reedsville | $814 |
| Reeseville | $767 |
| Rewey | $898 |
| Rhinelander | $821 |
| Rib Lake | $866 |
| Rib Mountain | $823 |
| Rice Lake | $969 |
| Richfield | $763 |
| Richland Center | $882 |
| Ridgeland | $979 |
| Ridgeway | $853 |
| Ringle | $827 |
| Rio | $862 |
| Ripon | $818 |
| River Falls | $983 |
| River Hills | $792 |
| Roberts | $1,014 |
| Rochester | $816 |
| Rock Springs | $877 |
| Rockland | $883 |
| Rosendale | $743 |
| Rosholt | $861 |
| Rothschild | $822 |
| Rubicon | $748 |
| Rudolph | $900 |
| Salem | $828 |
| Sandy Hook | $901 |
| Sarona | $952 |
| Sauk City | $855 |
| Saukville | $728 |
| Saxon | $863 |
| Sayner | $861 |
| Scandinavia | $886 |
| Schofield | $827 |
| Sextonville | $952 |
| Seymour | $816 |
| Sharon | $869 |
| Shawano | $865 |
| Sheboygan | $687 |
| Sheboygan Falls | $687 |
| Sheldon | $903 |
| Shell Lake | $1,008 |
| Sherwood | $780 |
| Shiocton | $782 |
| Shorewood | $787 |
| Shorewood Hills | $804 |
| Shullsburg | $931 |
| Silver Lake | $837 |
| Sinsinawa | $983 |
| Siren | $1,066 |
| Sister Bay | $753 |
| Slinger | $759 |
| Sobieski | $816 |
| Soldiers Grove | $922 |
| Solon Springs | $890 |
| Somerset | $1,004 |
| South Milwaukee | $733 |
| South Range | $973 |
| South Wayne | $914 |
| Sparta | $877 |
| Spencer | $836 |
| Spooner | $1,004 |
| Spring Green | $905 |
| Spring Valley | $979 |
| Springbrook | $960 |
| St. Cloud | $752 |
| St. Croix Falls | $1,050 |
| St. Francis | $749 |
| St. Germain | $842 |
| St. Nazianz | $832 |
| St. Peter | $752 |
| Stanley | $897 |
| Star Lake | $918 |
| Star Prairie | $1,054 |
| Stetsonville | $894 |
| Steuben | $898 |
| Stevens Point | $886 |
| Stitzer | $930 |
| Stockholm | $1,005 |
| Stoddard | $885 |
| Stone Lake | $961 |
| Stoughton | $782 |
| Stratford | $838 |
| Strum | $942 |
| Sturgeon Bay | $754 |
| Sturtevant | $836 |
| Suamico | $754 |
| Sullivan | $777 |
| Summit Lake | $861 |
| Sun Prairie | $776 |
| Superior | $950 |
| Suring | $812 |
| Sussex | $769 |
| Tainter Lake | $914 |
| Taylor | $898 |
| Theresa | $773 |
| Thiensville | $751 |
| Thorp | $888 |
| Three Lakes | $819 |
| Tichigan | $757 |
| Tigerton | $856 |
| Tilleda | $916 |
| Tisch Mills | $827 |
| Tomah | $885 |
| Tomahawk | $855 |
| Tony | $945 |
| Townsend | $795 |
| Trego | $958 |
| Trempealeau | $958 |
| Trevor | $835 |
| Tripoli | $843 |
| Tunnel City | $973 |
| Turtle Lake | $1,018 |
| Twin Lakes | $828 |
| Two Rivers | $767 |
| Union Center | $932 |
| Union Grove | $817 |
| Unity | $844 |
| Upson | $878 |
| Valders | $779 |
| Van Dyne | $777 |
| Verona | $781 |
| Vesper | $877 |
| Viola | $887 |
| Viroqua | $911 |
| Wabeno | $851 |
| Waldo | $690 |
| Wales | $769 |
| Walworth | $873 |
| Warrens | $884 |
| Washburn | $900 |
| Washington Island | $748 |
| Waterford | $764 |
| Waterloo | $777 |
| Watertown | $779 |
| Waukau | $817 |
| Waukesha | $753 |
| Waunakee | $772 |
| Waupaca | $922 |
| Waupun | $772 |
| Wausau | $827 |
| Wausaukee | $838 |
| Wautoma | $945 |
| Wauwatosa | $757 |
| Wauzeka | $893 |
| Webster | $1,067 |
| West Allis | $742 |
| West Baraboo | $881 |
| West Bend | $756 |
| West Milwaukee | $761 |
| West Salem | $894 |
| Westboro | $886 |
| Westby | $893 |
| Westfield | $961 |
| Weston | $819 |
| Weyauwega | $901 |
| Weyerhaeuser | $963 |
| Wheeler | $934 |
| White Lake | $865 |
| Whitefish Bay | $790 |
| Whitehall | $933 |
| Whitelaw | $768 |
| Whitewater | $815 |
| Whiting | $860 |
| Wild Rose | $933 |
| Willard | $865 |
| Williams Bay | $856 |
| Wilmot | $884 |
| Wilson | $1,015 |
| Wilton | $941 |
| Wind Lake | $760 |
| Wind Point | $770 |
| Windsor | $761 |
| Winnebago | $808 |
| Winneconne | $796 |
| Winter | $895 |
| Wisconsin Dells | $907 |
| Wisconsin Rapids | $893 |
| Withee | $869 |
| Wittenberg | $840 |
| Wonewoc | $933 |
| Woodford | $939 |
| Woodland | $823 |
| Woodman | $911 |
| Woodruff | $854 |
| Woodville | $1,055 |
| Woodworth | $872 |
| Wrightstown | $786 |
| Wyocena | $863 |
| Zachow | $945 |
| Zenda | $918 |
Home and auto insurance bundling in Wisconsin
How can you lower the cost of home insurance in Wisconsin? One way is by bundling your auto insurance and home insurance policies.
| Average annual rate (without bundling) | Average annual rate (with bundling) | Yearly savings (in $) | Yearly savings (in percent) |
|---|---|---|---|
| $1,020 | $870 | $150 | 14.71% |
Home insurance discounts in Wisconsin
Using the discounts provided by your insurer is another way by which you can buy the cheapest homeowners insurance in Wisconsin. But ensure to check which discounts you qualify for.
| Insurer | Bundling Discounts | Loyalty Discounts | Military Discounts | New Home Credit Discounts | Claim-Free Discounts | Protective Devices Discounts |
|---|---|---|---|---|---|---|
| Farmers | ✓ | ✓ | - | ✓ | ✓ | ✓ |
| All state | ✓ | ✓ | - | ✓ | ✓ | - |
| State Farm | ✓ | - | - | - | ✓ | ✓ |
| USAA | ✓ | ✓ | ✓ | - | ✓ | ✓ |
| Nationwide | ✓ | - | - | ✓ | ✓ | ✓ |
| Liberty Mutual | ✓ | - | - | - | - | - |
| Progressive | ✓ | - | - | ✓ | - | ✓ |
| Amica | ✓ | - | - | ✓ | ✓ | ✓ |
| Chubb | ✓ | - | - | ✓ | ✓ | ✓ |
| American Family | ✓ | ✓ | - | ✓ | - | ✓ |
| Erie | ✓ | - | - | - | - | ✓ |
| Lemonade | ✓ | ✓ | - | - | - | ✓ |
Comparing common features across top companies
Are you seeking the best homeowners insurance in Wisconsin? Then check whether your insurer offers these features.
| Insurer | Identity Theft Protection | Valuable Possessions | Water Backup | Other Structures Coverage | Dwelling /Personal Property Replacement |
|---|---|---|---|---|---|
| Farmers | Optional | ✓ | No | Optional | Optional |
| Allstate | Optional | Optional | Optional | ✓ | Optional |
| State Farm | Optional | Optional | Optional | ✓ | Optional |
| USAA | ✓ | Optional | No | ✓ | ✓ |
| Nationwide | Optional | Optional | Optional | ✓ | Optional |
| Liberty Mutual | Optional | Optional | Optional | ✓ | Optional |
| Progressive | No | Optional | Optional | ✓ | ✓ |
| Amica | Optional | Optional | Optional | ✓ | Optional |
| Chubb | Optional | Optional | ✓ | ✓ | ✓ |
| American Family | ✓ | Optional | Optional | ✓ | No |
| Erie | Optional | Optional | Optional | ✓ | ✓ |
| Lemonade | ✓ | Optional | Optional | ✓ | ✓ |
Common causes of home insurance claims in Wisconsin
These are a few reasons that lead to home insurance claims in the state.
- Tornadoes: On average, the state experiences around 23-25 tornadoes a year. It can severely damage houses in the state.
- Snow: The winter climate in the state can be tricky, with weekly snowfalls and deep thaws. Snowfall can also lead to ice dams forming on your home’s roof. Ice dams can cause roof shingles to lift, letting water enter your home. They can also affect your home’s drainage system because the ice blocks your gutters, causing flooding in and around your home.
- Flooding: Most of the country gets affected by flood damage, and Wisconsin is no exception. So, always try to buy extra flood insurance from FEMA or a private insurer.
Does homeowners insurance cover flooding in Wisconsin?
Ideally, a home insurance policy doesn’t cover flood damage. So, you must buy it from a private insurer or FEMA. The coverages from private insurers may differ. But FEMA’s National Flood Insurance Program (NFIP) offers the following coverage.
- Your home’s structure - $250,000
- Personal property - $100,000
Does homeowners insurance cover tornadoes in Wisconsin?
Most home insurance policies cover tornado damage. However, buying extended coverage will always be ideal. Even if your policy covers wind damage and falling objects, it may not provide enough coverage to rebuild your home. Check that your policy limits correspond to the value of your home, and consider purchasing replacement cost coverage.
Does homeowners insurance cover snow damage in Wisconsin?
If falling snow causes a portion of your home to collapse, your home insurance policy will likely cover the damage. Although your policy may cover freezing, your insurer may have limits on the coverage. You won’t get sufficient coverage if your insurer feels you didn’t make enough effort to safeguard your home from snow.
Factors that affect home insurance rates in Wisconsin
Do you want to buy the cheapest homeowners insurance in Wisconsin? Then check for these factors before buying one.
- Your location: Factors like your ZIP Code, the volume of nearby claims, and the area’s theft rate can impact the WI home insurance rates.
- Replacement cost: The cost of homeowners insurance in Wisconsin differs based on construction material costs and local labor.
- Age/condition: Older properties will always be more expensive to insure than newer properties.
- Claims history: Insurers will consider you risky if you regularly submit claims. Then your insurance premiums will increase.
- Credit history: Most insurance companies will verify your credit score before offering you policy coverage. If you possess a low credit score, you must spend more for your homeowners insurance in Wisconsin.
- Dog breed: Many insurance companies consider certain dog breeds ‘dangerous.’ If your insurer considers your dog so, the Wisconsin homeowners insurance rates will surge.
Tips for buying homeowners insurance
Are you looking to find the best home insurance in Wisconsin? Then follow these tips!
- Assess your rebuilding costs: Talk with your insurance agent or a reputed builder to see how much it would cost to restructure your home with low-cost building materials and local labor.
- Review the advantage of replacement cost over actual cash value: You may have to buy replacement cost insurance for your house and other possessions.
- Consider add-on coverage for your expensive items: Consider buying personal property coverage if you own costly items like musical instruments, antiques, high-end electronics, or athletic gear.
- Evaluate your liability coverage needs: Calculate your required minimum liability insurance limit.
- Assess coverage gaps: Many insurers offer high coverage limits for landscaping elements like trees and bushes.
- Check financial ratings: Most insurers have ratings from organizations like AM Best and Standard & Poor’s. So, some companies won’t let you apply for a mortgage if your insurer doesn’t have a minimum ‘A’ financial strength rating.
- Check for discounts: Use all the discounts that your insurance company offer.
- Compare quotes from various insurance companies: Home insurance quotes in Wisconsin may vary depending on the insurer. To get the best home insurance policy in Wisconsin, you must compare quotes from all the insurers.
Most common disasters in Wisconsin
Wisconsin does not face a wide range of disasters compared to other states. The most common declared disasters in the state are floods and severe storms.
Disasters by month
According to FEMA, Wisconsin faces the most declared disasters in August and July.
| Month | Number of disasters |
|---|---|
| January | 2 |
| March | 4 |
| April | 6 |
| May | 2 |
| June | 5 |
| July | 9 |
| August | 13 |
| September | 7 |
| October | 6 |
Disasters by year
According to FEMA, residents face approximately one declared disaster per year. 2020 was the worst year, with three declared disasters.
| Year | Number of disasters |
|---|---|
| 2001 | 2 |
| 2002 | 2 |
| 2003 | 0 |
| 2004 | 1 |
| 2005 | 1 |
| 2006 | 0 |
| 2007 | 1 |
| 2008 | 2 |
| 2009 | 0 |
| 2010 | 2 |
| 2011 | 1 |
| 2012 | 1 |
| 2013 | 1 |
| 2014 | 0 |
| 2015 | 0 |
| 2016 | 2 |
| 2017 | 1 |
| 2018 | 2 |
| 2019 | 1 |
| 2020 | 3 |
How to get Wisconsin home insurance with Way.com
The average home insurance cost in Wisconsin is around $1,020 yearly. The rate is lower than the national average rate. However, you can still get a low-cost home insurance policy. But how’s that possible? That’s where Way.com becomes your best friend!
You must use our website or app to obtain quotes from all insurers in the state. Then you must compare the quotes and buy an insurance policy with the most affordable rate. Do you need extra help? Then our agents in Wisconsin can guide you. They will help you understand Wisconsin home insurance laws, terms, discounts, and coverages.
So, contact our insurance agents in your state if you want to buy the best homeowners insurance in Wisconsin.
FAQs
What is the average cost of homeowners insurance in Wisconsin?
The average home insurance cost in Wisconsin is around $1,020 yearly.
What types of homeowners insurance coverage are recommended in Wisconsin?
Homeowners insurance includes these coverages – Dwelling, personal property, medical payments, personal liability, and additional living expenses. Also, you must buy coverages to cover flood damage, water backup, sinkholes, and equipment breakdown.
Do you need homeowners insurance in Wisconsin?
No, the law doesn’t mandate having one. However, suppose you have a mortgage on your house. In that case, most financial institutions require insurance for at least the loan’s outstanding balance. If your lender requires coverage, you can select your insurer.
What are the highest-rated home insurance companies in Wisconsin?
Badger Mutual offers the most affordable homeowners insurance in Wisconsin. Allstate offers the most reasonable WI home insurance for those with poor credit scores. Farmers will be the ideal option if you’re looking for maximum discounts.
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