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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Wisconsin homeowners insurance: what you need to know

The average cost of homeowners insurance in Wisconsin is $1,084 per year ($90 per month). While this is less than the national average, Wisconsinites should still take the time to compare quotes from as many homeowners insurance companies as possible to ensure they have the best rate.

Large gulfs exist in homeowners insurance rates on a state-by-state basis. Home insurance policy costs in a given state may differ depending on the frequency of — and value of — home insurance claims filed in that state, and also on the value of the dwelling and belongings being insured.

Get an idea of typical homeowners insurance rates in Wisconsin via the below data.

Table of contents:
  1. Rates by company
  2. Rates by coverage amount
  3. Rates by deductible amount
  4. Rates by city
  5. Bundling savings
  6. Frequently asked questions
  7. Natural disaster coverage

The 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 the top Wisconsin carriers, listed below. Then, see our list of which home insurance companies topped The Zebra's list for customer satisfaction

Insurance Company Average Yearly Rate in Wisconsin
Badger Mutual $838
Rural Mutual Insurance $856
SECURA Supreme $856
Erie $876
Wisconsin Mutual $940


Wisconsin home insurance prices by coverage levels

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
$100,000 Dwelling $493
$200,000 Dwelling $802
$250,000 Dwelling $901
$400,000 Dwelling $1,304


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 homeowner's 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 Tier Average Annual Homeowners Insurance Rate
$500 $980
$1,000 $901
$1,500 $861
$2,000 $811
$5,000 $689


Wisconsin homeowners 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 table below shows the best places to live in Wisconsin if you’re looking for cheap homeowners insurance.


City Average 12-Month Home Insurance Rate
Sheboygan $890
Green Bay $928
Oak Creek $965
West Bend $968
Franklin $969


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


Home and auto insurance bundling in Wisconsin

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 (%)

$1,046 $908 $138 15%


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 your mortgage lender will likely 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.



Natural disaster coverage in Wisconsin


Does home insurance cover flooding in Wisconsin?

Damage via flooding — whether the byproduct of a rainstorm or a hurricane —is not covered by standard home insurance. To insure your home against flood damage, acquire insurance from a private flood insurance company or through the National Flood Insurance Program (NFIP).

Flood insurance coverage from private companies may vary, but if you buy through the NFIP you are allotted coverage for:

  • $250,000 structural coverage
  • $100,000 personal property coverage

If the value of your personal property and home exceeds these limits, consider purchasing a flood insurance policy from our partners at Neptune for additional protection.

Find an affordable homeowners policy in Wisconsin today!

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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 editorial 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.