Finding a homeowners insurance policy shouldn't be stressful. Compare rates from Wisconsin by city and insurance company below.
Homeowners insurance isn't required, but it is important. A home insurance policy keeps your personal items protected. Homeowners insurance covers your dwelling, attached buildings, and personal property from an array of circumstances, including wind damage, fire, theft, vandalism, and more.
Unlike car insurance, homeowners policies aren’t governed by state legislation. Even so, major gaps exist in homeowners insurance rates from state to state. Homeowners costs in US states differ based on the number and cost homeowners claims across the state, and also on the value of the belongings and dwelling you're insuring.
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.
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.
|Insurer||Average 12-Month Rate in Wisconsin|
|Rural Mutual Insurance||$856|
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.
|City||Average 12-Month Home Insurance Rate|
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 Level||Average Annual Cost|
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 may of the standard deductibles offered by home insurance companies and an approximation of average insurance costs.
|Deductible Tier||Average Annual Homeowners Insurance Rate|
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. Yearly Auto Insurance Rate (No Bundle)||Avg. Annual Auto Insurance Rate (Bundle)||Annual Bundle Savings||Bundle Savings %|
One of the best ways to save on auto insurance is to bundle your policies. Start shopping today!
Looking for information on home insurance in a specific city? Check out our breakdown of major Wisconsin cities:
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.
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.
Yes, State Farm does offer homeowners insurance at this time.