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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.
- Rates by company
- Rates by city
- Rates by coverage level
- Bundling discounts
- 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.
AFFORDABLE RENTERS INSURANCE COMPANIES IN WISCONSIN
|Company||Average Annual Rate in Wisconsin|
|Rural Mutual Insurance||$82|
|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.
CHEAPEST CITIES FOR RENTERS INSURANCE IN WISCONSIN
|City||Average 12-Month Renters Insurance Rate|
Looking for renters insurance info for a specific city? Check out our breakdown of major cities in Wisconsin.
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 Level||Average Yearly Renters Insurance Rate in Wisconsin|
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 $66.
CAR AND RENTERS BUNDLING DISCOUNTS IN WISCONSIN
|Avg. Annual Rate (No Bundle)||Avg. Annual Rate (w/ Bundle)||Annual Savings ($)||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.
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.