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Home insurance in Wisconsin: what to know


The easiest way to find an affordable homeowners insurance policy in Wisconsin is to compare rates from as many homeowners insurance companies as you can. Get an idea of typical homeowners insurance rates in Wisconsin via the below data. Your rates may vary, depending on your coverage limits.

Wisconsin home insurance — table of contents:
  1. Cheap companies
  2. Rates by coverage
  3. Rates by city
  4. Rates by deductible
  5. Bundling discounts
  6. FAQs

The 5 cheapest home insurance companies in Wisconsin

Prices for home insurance in Wisconsin can vary based on the insurance company you choose. Badger Mutual offers the best deal on home insurance policies in Wisconsin — just $838 per year. This is less than the state average cost of $1,084, offering a $247 discount on average statewide homeowners insurance costs.

Start your search for a home insurance policy by viewing average rates from top Wisconsin carriers, listed below.

InsurerAverage 12-Month Rate in Wisconsin
Badger Mutual$838
Rural Mutual Insurance$856
SECURA Supreme$856
Wisconsin Mutual$940


Average homeowners insurance costs in Wisconsin by coverage amount

The amount of home coverage you select has an impact on the insurance premiums you pay. In Wisconsin, carrying $200,000 dwelling coverage costs an average of $802 per year, while maintaining coverage up to $400,000 costs as much as $1,304 per year.

Coverage LevelAverage Annual Cost
$100,000 Dwelling$493
$200,000 Dwelling$802
$250,000 Dwelling$901
$400,000 Dwelling$1,304

Wisconsin home insurance costs by city

Homeowners insurance rates in Wisconsin differ by city. Rates depend on city-specific variables like the number of homeowners claims filed nearby, lending your ZIP code plenty of weight in deciding how much you pay.

The most affordable homeowners insurance in Wisconsin is found in Sheboygan. A typical home insurance term in Sheboygan costs just $890 per year — $194 less than the average policy in other Wisconsin cities. The below table shows the best places to live in Wisconsin if you’re looking for cheap homeowners insurance.


CityAverage 12-Month Home Insurance Rate
Green Bay$928
Oak Creek$965
West Bend$968

Looking for information on home insurance in a specific city? Check out our breakdown of major Wisconsin cities:


Homeowners insurance deductibles in Wisconsin

Wisconsin homeowners have a lot of choices to make when shopping for a homeowners policy, including how much their deductible should be. A homeowners deductible is the amount you must pay out of pocket toward a covered loss. The deductible level you choose can change how much you pay in insurance premiums.

When selecting a deductible, remember that the higher your deductible is, the lower your premiums will be. This means that those looking for lower insurance premiums will want to seriously consider a higher  deductible. Bear in mind: your homeowners deductible should not be so high that you would struggle to pay it in the event of a loss.

Take a look at the standard deductibles offered by home insurance companies and an approximation of average insurance costs.

Deductible TierAverage Annual Homeowners Insurance Rate

Wisconsin insurance bundling discounts: home + auto

If you want to save on insurance, consider purchasing both your car and home insurance policies from one company. Bundling auto and home insurance in Wisconsin can lead to substantial savings on auto insurance. Purchasing bundled policies in Wisconsin leads to a yearly discount of $138.


Avg. Annual Rate (No Bundle)

Avg. Annual Rate (w/ Bundle)

Annual Savings ($)

Annual Savings (%)



Wisconsin home insurance FAQs


Does Wisconsin law require homeowners insurance?

The state of Wisconsin does not require you to carry homeowners insurance. However, if you have a mortgage it is likely that your mortgage lender will require it as a part of your agreement.

Is replacement cost mandatory for Wisconsin homeowners insurance?

Homeowners insurance is not required in the state of Wisconsin unless mandated by your lender. That said, it is usually a good choice to insure your home at replacement cost, as this will make it easier to replace in the event of a loss.

Does State Farm insure homes in Wisconsin?

Yes, State Farm offers homeowners insurance in Wisconsin.


Find homeowners insurance by comparing quotes online.

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Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.