Wisconsin Homeowners Insurance

Finding a homeowners insurance policy shouldn't be stressful. Compare rates from Wisconsin by city and insurance company below.

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How to find cheap home insurance in Wisconsin


Homeowners insurance is an optional — but important — product that works to keep your belongings safe in the event your house or property suffers damage from common incidents. Homeowners insurance protects your dwelling, attached buildings, and personal property in the event of an array of calamities, including wind damage, fire, theft, vandalism, and others.

Unlike auto insurance, homeowners insurance isn't priced based on state-level laws. Even so, major gaps exist in homeowners insurance costs from state to state. Home insurance costs in US states may vary based on the total number and value of homeowners policy claims submitted statewide, and depend on the value of the belongings and dwelling you're insuring.

The easiest way to find a cheap homeowners insurance policy in Wisconsin is to compare rates from as many insurance companies as you can. Find out how much home insurance costs in Wisconsin via the below data. Your rates may vary, depending on your coverage limits.


Wisconsin home insurance:
  1. By insurance company
  2. Costs by city
  3. Insurance bundling discounts
  4. FAQs

Homeowners insurance rates in Wisconsin by insurer

Homeowners insurance rates in Wisconsin differ depending on which insurance company you select. Badger Mutual provides the cheapest home insurance in Wisconsin — just $838 yearly. This is less than the state's mean rate of $1,084, providing a $247 discount on the typical rates in the state.

Start your search for a home insurance policy by reviewing the cheapest Wisconsin insurance companies, detailed below.


THE CHEAPEST HOMEOWNERS INSURANCE COMPANIES IN WISCONSIN
Insurance CompanyAverage 12-Month Rate in Wisconsin
Badger Mutual$837.50
Rural Mutual Insurance$856.19
SECURA Supreme$856.33
Erie$876.14
Wisconsin Mutual$939.78

Wisconsin home insurance costs: by city

Not all Wisconsin cities have the same homeowners insurance rates. Rates are determined based on on city-specific variables, such as the likelihood of weather-related claims in the area, meaning your ZIP code could have a major impact on how much you pay.

The most affordable homeowners insurance in Wisconsin is available in Sheboygan. An average home insurance policy in Sheboygan costs $890 each year — $194 less than the average policy in other Wisconsin cities. Reference the below table to see the cheapest cities in Wisconsin for home insurance.


AFFORDABLE CITIES FOR HOME INSURANCE IN WISCONSIN
CityAverage 12-Month Home Insurance Rate
Sheboygan$890.44
Green Bay$927.75
Oak Creek$965.09
West Bend$968.06
Franklin$969.41

Home and auto insurance bundles in Wisconsin

To trim a few dollars from your insurance costs, consider purchasing both your home and auto insurance policies from one company. Bundling homeowners and auto insurance in Wisconsin can save you a substantial sum each month on car insurance. Purchasing bundled policies in Wisconsin may generate a yearly discount of $138.


HOME AND AUTO INSURANCE BUNDLING SAVINGS IN WISCONSIN
Avg. Yearly Auto Insurance Rate (No Bundle)Avg. Yearly Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,046.00$908.00$138.0015%

One of the best ways to save on auto insurance is to bundle your policies. Get started today!


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

  1. Madison
  2. Milwaukee

Wisconsin homeowners 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 does offer homeowners insurance at this time.





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