Finding the Best Homeowners Insurance in Wisconsin
Wisconsin is a great state with many insurance companies. Finding insurance companies in Wisconsin is easy. It is a beautiful state for cheap homeowners insurance in Wisconsin. America's Dairyland has favourable weather conditions; it is not plagued by the typical harsh seasonal storms suffered by the coastal states in the United States. Finding cheap Wisconsin homeowners insurance quotes is easy. The Badger State is not located in the tornado alley, nor does it have an active fault line. However, Wisconsin suffers one natural disaster issue annually, the issue of flooding. Wisconsin's annual floods are a result of melting ice-jams or melting snow and slow-moving storms. Getting flood insurance coverage is of great value and one of the best insurance decisions you can make. The sinkhole coverage is also a lovely pick for you. When looking for a homeowner insurance company to provide you with homeowners insurance coverage, remember to find one with a valuable combination of top-notch services and an acceptable price. Wisconsin is a great place to live in, without the occasional floods; it is about the most incredible states to live in the United States. We have done all necessary research into the homeowners' insurance market in Wisconsin to provide you with options to make your insurance decision better.
| Wisconsin Homeowners Insurance Cost Broken Down | Rates |
|---|---|
| Yearly Cost of Homeowners Insurance in Wisconsin | $1,337.00 |
| Costs Per Month for Homeowners Insurance in Wisconsin | $111.42 |
How Much is Homeowners Insurance in Wisconsin
The average of homeowners insurance rates in Wisconsin is $1,313, making it the 30th most expensive state in the United States for homeowners insurance. It is above the United States homeowners insurance average of $1.445. It is cheaper than 20 other states in the United States. The average monthly homeowners' insurance rate in Wisconsin is $109.42. Note that this rate is the state average, and it varies from city to city, with some cities having lower than the average and some higher than the average. Several factors play an influential role in the relatively low cost of homeowners insurance in Wisconsin. One factor is the availability of insurance companies, and the second factor is Wisconsin is not prone to harsh seasonal storms like found in the Coastal States. The cheapest city for homeowners insurance in Wisconsin is Sheboygan, with an annual average cost of $1,046, which is 20% lower than the state average of $1,313. The costliest city for homeowners insurance in Wisconsin is Hudson, with an annual average cost of $1,516, which is 15% higher than the state average of $1,313. The percentage of homeowners occupied 30% or more on rent and utilities in Wisconsin is 41.0%.
| City in Wisconsin | Monthly Costs | Yearly Costs |
|---|---|---|
| Milwaukee, WI | $114.67 | $1,376.00 |
| Madison, WI | $98.50 | $1,182.00 |
| Green Bay, WI | $93.67 | $1,124.00 |
| Kenosha, WI | $99.42 | $1,193.00 |
| Racine, WI | $101.25 | $1,215.00 |
| Appleton, WI | $95.75 | $1,149.00 |
| Waukesha, WI | $94.25 | $1,131.00 |
| Eau Claire, WI | $110.42 | $1,325.00 |
| Oshkosh, WI | $95.83 | $1,150.00 |
| Janesville, WI | $107.67 | $1,292.00 |
| West Allis, WI | $102.08 | $1,225.00 |
| La Crosse, WI | $114.92 | $1,379.00 |
| Wauwatosa, WI | $102.83 | $1,234.00 |
| Sheboygan, WI | $87.17 | $1,046.00 |
| Fond du Lac, WI | $95.08 | $1,141.00 |
| New Berlin, WI | $93.92 | $1,127.00 |
| Brookfield, WI | $95.00 | $1,140.00 |
| Wausau, WI | $103.50 | $1,242.00 |
| Menomonee Falls, WI | $94.25 | $1,131.00 |
| Greenfield, WI | $101.08 | $1,213.00 |
| Beloit, WI | $109.08 | $1,309.00 |
| Oak Creek, WI | $93.67 | $1,124.00 |
| Franklin, WI | $93.42 | $1,121.00 |
| Sun Prairie, WI | $97.33 | $1,168.00 |
| Manitowoc, WI | $96.08 | $1,153.00 |
| West Bend, WI | $94.83 | $1,138.00 |
| Fitchburg, WI | $95.17 | $1,142.00 |
| Mount Pleasant, WI | $101.67 | $1,220.00 |
| Stevens Point, WI | $109.33 | $1,312.00 |
| Superior, WI | $118.92 | $1,427.00 |
| Neenah, WI | $96.92 | $1,163.00 |
| Muskego, WI | $93.08 | $1,117.00 |
| Caledonia, WI | $99.17 | $1,190.00 |
| De Pere, WI | $94.33 | $1,132.00 |
| Mequon, WI | $91.33 | $1,096.00 |
| Watertown, WI | $97.42 | $1,169.00 |
| Pleasant Prairie, WI | $101.42 | $1,217.00 |
| South Milwaukee, WI | $94.58 | $1,135.00 |
| Germantown, WI | $95.50 | $1,146.00 |
| Howard, WI | $93.92 | $1,127.00 |
| Middleton, WI | $99.50 | $1,194.00 |
| Fox Crossing, WI | $96.92 | $1,163.00 |
| Onalaska, WI | $115.33 | $1,384.00 |
| Marshfield, WI | $111.08 | $1,333.00 |
| Cudahy, WI | $95.17 | $1,142.00 |
| Menasha, WI | $99.50 | $1,194.00 |
| Wisconsin Rapids, WI | $114.17 | $1,370.00 |
| Ashwaubenon, WI | $93.58 | $1,123.00 |
| Oconomowoc, WI | $94.33 | $1,132.00 |
| Menomonie, WI | $119.08 | $1,429.00 |
| Beaver Dam, WI | $96.75 | $1,161.00 |
| Kaukauna, WI | $95.75 | $1,149.00 |
| River Falls, WI | $122.33 | $1,468.00 |
| Bellevue, WI | $93.17 | $1,118.00 |
| Hartford, WI | $95.83 | $1,150.00 |
| Weston, WI | $102.67 | $1,232.00 |
| Whitewater, WI | $108.42 | $1,301.00 |
| Pewaukee, WI | $94.50 | $1,134.00 |
| Chippewa Falls, WI | $113.92 | $1,367.00 |
| Greendale, WI | $93.33 | $1,120.00 |
| Hudson, WI | $126.33 | $1,516.00 |
| Waunakee, WI | $98.00 | $1,176.00 |
| Allouez, WI | $95.58 | $1,147.00 |
| Whitefish Bay, WI | $103.50 | $1,242.00 |
| Shorewood, WI | $104.58 | $1,255.00 |
| Verona, WI | $99.08 | $1,189.00 |
| Stoughton, WI | $98.58 | $1,183.00 |
| Plover, WI | $110.75 | $1,329.00 |
| Suamico, WI | $95.75 | $1,149.00 |
| Glendale, WI | $104.08 | $1,249.00 |
| Fort Atkinson, WI | $102.33 | $1,228.00 |
| Harrison, WI | $100.25 | $1,203.00 |
| Baraboo, WI | $115.50 | $1,386.00 |
| Platteville, WI | $118.00 | $1,416.00 |
| Brown Deer, WI | $105.33 | $1,264.00 |
| Port Washington, WI | $92.33 | $1,108.00 |
| Richfield, WI | $95.83 | $1,150.00 |
| Grafton, WI | $91.25 | $1,095.00 |
| Little Chute, WI | $95.17 | $1,142.00 |
| Cedarburg, WI | $91.92 | $1,103.00 |
| Waupun, WI | $97.25 | $1,167.00 |
| Two Rivers, WI | $97.08 | $1,165.00 |
| Burlington, WI | $107.92 | $1,295.00 |
| Sussex, WI | $95.67 | $1,148.00 |
| Marinette, WI | $108.25 | $1,299.00 |
| Monroe, WI | $113.83 | $1,366.00 |
| DeForest, WI | $97.50 | $1,170.00 |
| Oregon, WI | $98.08 | $1,177.00 |
| Portage, WI | $112.25 | $1,347.00 |
| Holmen, WI | $115.67 | $1,388.00 |
Wisconsin Homeowners Insurance Laws
Wisconsin homeowners insurance laws do not expressly state that homeowners should have homeowners insurance. It is not a requirement; the homeowner is free to decide if they want homeowners insurance coverage. Wisconsin does not suffer many wildfires that California suffers yearly, nor is it prone to several natural disasters. It is also not the worst states in terms of natural disasters. This explains why California has stricter regulations and more defined ones about homeowners insurance than Wisconsin does. Note that there are still general regulations for the insurance industry that guide and monitor homeowners' insurance policy of homeowners insurance companies. What are Wisconsin homeowners insurance requirements? Legally speaking, there are no requirements for Wisconsin homeowners to have a homeowners insurance policy. However, most mortgage companies will require you to take homeowners insurance as one of their requirements for a mortgage. What mortgage companies are trying to do is to protect their asset. Homeowners Insurance is beneficial to homeowners. If you do not own one in Wisconsin, you miss out on this wonderful protection for your home. Accidents and calamities can strike at anything that is way beyond our control.
What Does Homeowners Insurance Cover in Wisconsin
It is always a smart move to find out what homeowners insurance covers and what it does not before purchasing one. In other words, find out the maximum and minimum coverage of the homeowners' insurance you want. Typical homeowner insurance will cover dwelling, other structures, personal property and loss of use liabilities. Some homeowner insurance will cover the four coverage and two extras: personal and medical liability. What does homeowners insurance cover in Wisconsin? It covers the following perils such as windstorm or hail, explosion, fire or lightning, aircraft, riot or civil commotion, vehicles, smoke, volcanic eruption, vandalism & malicious mischief, theft weight of ice, snow, sleet, breakage of glass falling objects, and sudden & accidental water damage. What does homeowners insurance not cover in Wisconsin? It does not cover the following perils not covered by homeowners insurance policy such as earthquake, flood, earth movement, insects, rats or mice, water damage caused by seepage or leaks: termites, mold, insurrection, war, neglect, tidal wave, neglect and nuclear weapons. The personal property liability is limited to specific properties that are susceptible to loss, such as antiques, furs, jewellery, collectables, firearms, fine arts, silverware and money. If you want additional coverage on certain items, you have to purchase a separate insurance policy.
| Costs of Home Insurance in Wisconsin by County | Monthly Average Costs | Yearly Average Costs |
|---|---|---|
| Adams County, WI | $69.00 | $828.00 |
| Ashland County, WI | $67.00 | $804.00 |
| Barron County, WI | $74.67 | $896.00 |
| Bayfield County, WI | $66.75 | $801.00 |
| Brown County, WI | $58.67 | $704.00 |
| Buffalo County, WI | $69.75 | $837.00 |
| Burnett County, WI | $79.08 | $949.00 |
| Calumet County, WI | $59.83 | $718.00 |
| Chippewa County, WI | $68.50 | $822.00 |
| Clark County, WI | $66.08 | $793.00 |
| Columbia County, WI | $67.50 | $810.00 |
| Crawford County, WI | $71.83 | $862.00 |
| Dane County, WI | $63.67 | $764.00 |
| Dodge County, WI | $58.17 | $698.00 |
| Door County, WI | $57.92 | $695.00 |
| Douglas County, WI | $67.33 | $808.00 |
| Dunn County, WI | $71.50 | $858.00 |
| Eau Claire County, WI | $68.58 | $823.00 |
| Florence County, WI | $63.58 | $763.00 |
| Fond du Lac County, WI | $57.42 | $689.00 |
| Forest County, WI | $63.25 | $759.00 |
| Grant County, WI | $73.58 | $883.00 |
| Green County, WI | $68.58 | $823.00 |
| Green Lake County, WI | $66.08 | $793.00 |
| Iron County, WI | $69.17 | $830.00 |
| Jackson County, WI | $65.75 | $789.00 |
| Juneau County, WI | $68.75 | $825.00 |
| Kenosha County, WI | $60.92 | $731.00 |
| Kewaunee County, WI | $69.75 | $837.00 |
| La Crosse County, WI | $63.83 | $766.00 |
| Lafayette County, WI | $59.58 | $715.00 |
| Langlade County, WI | $70.25 | $843.00 |
| Lincoln County, WI | $72.33 | $868.00 |
| Manitowoc County, WI | $63.83 | $766.00 |
| Marathon County, WI | $63.50 | $762.00 |
| Marinette County, WI | $59.75 | $717.00 |
| Marquette County, WI | $63.33 | $760.00 |
| Menominee County, WI | $64.33 | $772.00 |
| Milwaukee County, WI | $70.83 | $850.00 |
| Monroe County, WI | $68.25 | $819.00 |
| Oconto County, WI | $65.58 | $787.00 |
| Oneida County, WI | $69.58 | $835.00 |
| Outagamie County, WI | $61.58 | $739.00 |
| Ozaukee County, WI | $62.83 | $754.00 |
| Pepin County, WI | $59.33 | $712.00 |
| Pierce County, WI | $57.50 | $690.00 |
| Polk County, WI | $72.83 | $874.00 |
| Portage County, WI | $71.67 | $860.00 |
| Price County, WI | $77.58 | $931.00 |
| Racine County, WI | $65.58 | $787.00 |
| Richland County, WI | $65.17 | $782.00 |
| Rock County, WI | $62.08 | $745.00 |
| Rusk County, WI | $69.83 | $838.00 |
| Sauk County, WI | $63.83 | $766.00 |
| Sawyer County, WI | $69.25 | $831.00 |
| Shawano County, WI | $70.50 | $846.00 |
| Sheboygan County, WI | $65.58 | $787.00 |
| St. Croix County, WI | $55.00 | $660.00 |
| Taylor County, WI | $76.00 | $912.00 |
| Trempealeau County, WI | $66.42 | $797.00 |
| Vernon County, WI | $72.50 | $870.00 |
| Vilas County, WI | $69.92 | $839.00 |
| Walworth County, WI | $64.50 | $774.00 |
| Washburn County, WI | $65.33 | $784.00 |
| Washington County, WI | $73.92 | $887.00 |
| Waukesha County, WI | $58.58 | $703.00 |
| Waupaca County, WI | $60.08 | $721.00 |
| Waushara County, WI | $64.25 | $771.00 |
| Winnebago County, WI | $66.83 | $802.00 |
| Wood County, WI | $59.08 | $709.00 |
Top Rated Homeowners Insurance Companies in Wyoming Based on Ratings
The best homeowners insurance companies in Wisconsin are Erie Insurance, Secura Insurance, Auto-Owners Insurance and Wisconsin Mutual. This Wisconsin homeowners insurance company list is just a pick of the best and not a total overall of the homeowners' insurance companies in Wisconsin. If we put a Wisconsin homeowners insurance companies list, it will have a minimum of over 25 insurance companies. Some of the good picks include Hippo, State Farm and American Family. Erie homeowners insurance in Wisconsin is the best for most homeowners. Secura homeowners insurance is the most affordable pick of the top-rated homeowner's insurance companies in Wisconsin. Auto-Owners is the best homeowners insurance in Wisconsin for service. Wisconsin Mutual is the best homeowners insurance for local coverage. Erie homeowners insurance in Wisconsin is the best homeowners insurance in Wisconsin based on ratings from NAIC Value, J.D. Power and AM Best. Erie homeowners insurance has an NAIC value of 0.69, a J.D. Power rating of 3 out of 5 and AM the best score of A+. Chubb homeowners insurance in Wisconsin has an NAIC value of 0.17, a J.D. Rating of 2 out of 5 and AM the best score of A++.
| Wisconsin Home Insurance Company | JD Power Rating | NAIC Rating |
|---|---|---|
| American Family Insurance Ratings for Homeowners Insurance in Wisconsin | 3/5 | 0.69 |
| State Farm Ratings for Homeowners Insurance in Wisconsin | 4/5 | 0.2 |
| Acuity Ratings for Homeowners Insurance in Wisconsin | N/A | 0.3 |
| Erie Ratings for Homeowners Insurance in Wisconsin | 3/5 | 0.17 |
| West Bend Mutual Ratings for Homeowners Insurance in Wisconsin | N/A | 0.05 |
| Allstate Ratings for Homeowners Insurance in Wisconsin | 3/5 | 0.31 |
| Auto-Owners Insurance Ratings for Homeowners Insurance in Wisconsin | 4/5 | 0.21 |
| Liberty Mutual Ratings for Homeowners Insurance in Wisconsin | 2/5 | 0.4 |
| Farmers Ratings for Homeowners Insurance in Wisconsin | 3/5 | 0.39 |
| USAA Ratings for Homeowners Insurance in Wisconsin | 5/5 | 0.15 |
| SECURA Ratings for Homeowners Insurance in Wisconsin | N/A | 0 |
| Auto Club (AAA) Ratings for Homeowners Insurance in Wisconsin | N/A | 0.99 |
| Wisconsin Mutual Ratings for Homeowners Insurance in Wisconsin | N/A | 0 |
| Travelers Ratings for Homeowners Insurance in Wisconsin | 2/5 | 0.3 |
| Chubb Ratings for Homeowners Insurance in Wisconsin | 2/5 | 0.17 |
How to Lower Homeowners Insurance in Wisconsin
The best and easiest way to lower homeowners insurance in Wisconsin is to find Wisconsin homeowners insurance discounts. Discounts are baits used in the market world to attract customers. Keep your ears wide open, and more importantly, ask the homeowners' insurance company of your choice if you can get a discount. You can also compare prices with similar homeowners insurance companies in Wisconsin offering the same coverage you want and go for the more affordable option. In this way, you save money from basically purchasing the same homeowners' insurance coverage. If you stop your smoking habits (if you have any), your homeowners' insurance will be lower. In America, a whooping 8000 fires are caused by smoking. You can also lower the cost by fixing or replacing the roof, wiring or plumbing. New home of fewer than ten years will typically have lower homeowners insurance cost than an old home. If you live in an old structure, you can lower your homeowners' insurance cost by fixing and changing broken and weak fixtures in the house. Installing a pool in the home will result in higher homeowners insurance. If you aim to lower your homeowners' insurance premium, a pool is not a great idea.
Compare Homeowners Insurance in Wisconsin Before Buying
You compare homeowners insurance in Wisconsin to discover the most affordable homeowner insurance in Wisconsin for your homeowner insurance needs. The state regulates and approves the premiums charged by insurance companies. The Wisconsin Department of Insurance is the body responsible for regulating insurance companies in the state. Shopping for homeowners insurance in Wisconsin is a delightful experience. Wisconsin has a large number of good homeowners insurance to pick from. The only problem is selecting one out of several options. By comparing different homeowners insurance companies rates and their offerings, you will easily reach a better conclusion than a random selection. Homeowners insurance companies offer discounts when you purchase more than one of its policy. The value in some cases can be up to 15% off the original price.