Wisconsin Renters Insurance

Learn more about renters insurance in Wisconsin.

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How to get affordable renters insurance in Wisconsin

Renters insurance is an important form of insurance. It keeps your belongings safe in the event your rental property suffers damage from a common incident. A renters policy covers belongings from smoke or fire damage, a wind storm, theft or vandalism and an array of other situations.

Unlike auto insurance, renters insurance isn't priced specifically by state. Even still, there are sometimes substantial variations in the price of renters insurance by state. Renters insurance prices by state may differ depending on the number and total value of renters insurance claims in that particular state, and depend on the value of the belongings being insured.

Getting renters insurance in Wisconsin is less expensive than the nationwide average. The average annual cost of renters insurance in Wisconsin is $119, $65 less expensive than the average across the nation.

The easiest way to get a cheap renters insurance policy in Wisconsin is to shop around and compare rates from as many insurance companies as you can. Learn more about renters insurance costs in Wisconsin by referencing the below data. Your rates may vary, depending on your coverage limits and the valuation of your belongings.

Jump to:
  1. Rates by company
  2. Rates by city
  3. Rates by coverage level
  4. Bundling discounts
  5. Frequently asked questions


Renters insurance prices in Wisconsin by company

Renters insurance rates in Wisconsin will vary based on the insurance company you use. Erie offers the best deal on renters policies in Wisconsin, at just $77 yearly. This compares favorably to the state average cost of $119, providing a 35% discount on rates typical to the state.

Begin your search for a renters policy by reviewing the cheapest Wisconsin renters insurance carriers, listed below.

CompanyAverage Annual Rate in Wisconsin
Rural Mutual Insurance$82
American Family$92
West Bend Mutual$106

Wisconsin renters insurance costs by city

Not every city in Wisconsin has equal renters insurance costs. Pricing may depend on city-specific variables, such as the number of claims filed in the immediate area, meaning your ZIP code could have a major impact on how much you pay.

The cheapest renters insurance in Wisconsin is available in Oshkosh. A typical renters insurance term in Oshkosh costs just $114 annually — $50 less than the state average. Reference the below table to see the cheapest cities in Wisconsin for renters insurance.

CityAverage 12-Month Renters Insurance Rate
West Bend$115
Green Bay$116

Looking for renters insurance info for a specific city? Check out our breakdown of major cities in Wisconsin.

  1. Madison
  2. Milwaukee


Renters insurance in WI by coverage tier

The cost of your renters insurance depends on the amount of coverage you opt to carry. Two of the most common levels of renters insurance coverage are $25,000 and $50,000 property coverage. In Wisconsin, the average annual cost difference between these tiers is roughly $44. If you can afford to insure your personal property at this additional expense, purchasing more coverage might not be a bad idea.

Coverage LevelAverage Yearly Renters Insurance Rate in Wisconsin
$25K Property$97
$50K Property$141

Tip: bundle auto and renters insurance in Wisconsin

If you want to save on insurance, consider purchasing both your car and renters insurance policies from one company. Bundling renters and auto insurance in Wisconsin can lead to substantial savings on your auto insurance policy. In fact, bundling policies in Wisconsin may generate yearly savings of $66.

Avg. Annual Rate (No Bundle)Avg. Annual Rate (w/ Bundle)Annual Savings ($)Annual Savings (%)

Wisconsin renters insurance FAQs


Is renters insurance required in Wisconsin?

Wisconsin does not require renters insurance, though many landlords can require it. Regardless, renters insurance is highly recommended as it provides key liability and property coverages that can come in handy.

What does Wisconsin renters insurance cover?

Wisconsin renters insurance covers your personal belongings should they be lost, stolen, damaged, or destroyed. However, most policies provide further coverage for liability, temporary housing, and medical payments to others. Each company can have different limits and coverage options, so it's important to shop around to find the best option.

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Ross Martin
Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com and Kin Insurance.