The MFP’s Community Home Insurance Survey use Wisconsin homeowners opinions and recommendations on home insurers, agents, and brokers. You can also see premiums by home values and deductibles in the state and its main cities.
Shopping for home insurance is not always somple and we gathered this data to help your choice.
Updated: January 8, 2026
<< Human Powered Recommendations from Wisconsin Own Homeowners >>
- Wisconsin Best Home Insurance Companies
- Best Home Insurance by City: Cost, Deductible & Rating
- Main Home Insurance Cost Factors in Wisconsin
- Best Home Insurance Discounts in Wisconsin
- How to Find the Best Cheap Home Insurance in Wisconsin
- 5 Ways to Reduce Your Home Insurance Cost
- What Does Home Insurance Cover in Wisconsin?
- Extra Coverage Options in Wisconsin
- FAQ: Home Insurance in Wisconsin
Wisconsin Best Insurance Companies
MFP’s Community Home Insurance Survey most recommended home insurers in Wisconsin are Amica, State Farm, and USAA.
| Insurer | Coverage | Customer Experience | Cost | Ease of Use | Recommend % |
|---|---|---|---|---|---|
| Amica | 5 | 5 | 4 | 4 | 92% |
| State Farm | 4 | 4 | 5 | 5 | 89% |
| USAA | 4 | 5 | 5 | 4 | 91% |
| Chubb | 5 | 4 | 3 | 3 | 85% |
| Auto-Owners | 4 | 4 | 3 | 4 | 88% |
| Erie | 4 | 4 | 3 | 3 | 87% |
| Allstate | 4 | 3 | 5 | 4 | 82% |
| Nationwide | 4 | 3 | 4 | 4 | 81% |
| Lemonade | 3 | 4 | 5 | 5 | 83% |
| West Bend | 3 | 3 | 4 | 4 | 80% |
Wisconsin average home insurance for a $1,000 deductible:
- Wisconsin average premiums for a $300K Home is $1,423 (while it’s $1,568 nationally).
- Wisconsin average premiums for a $400K Home is $1,999. It’s $2,088 nationally.
- Wisconsin average premiums for a $600K Home is $2,971 (and it’s $2,906 nationally).
Best Insurance in Wisconsin’s cities
Milwaukee, Madison, Green Bay, Kenosha, Racine, Appleton, Waukesha, Eau Claire, Oshkosh, Janesville
Recommendations are gathered from 2,985 local Wisconsin members who requested quotes, filed a claim or got new home insurance in the past 12 months. We survey cost, customer experience, coverage and ease of use, plus if homeowners recommend the insurer, agent or broker:
- Coverage (0 to 5): Are you satisfied with the insurance coverage offered? Do you consider your belongings are adequately insured for various events? Are you satisfied with the available options?
- Customer Experience: Are you happy with the quality of service and communication during and after your quote? Or claim handling? A good score here reflects friendly, knowledgeable agents, prompt responses, and a transparent, supportive claims process.
- Ease of Use (0 to 5): Are the policy documents clear? Is it simple to apply for your policy? If you did, was the claim filing process (through an app or website) easy?
- Cost (0 to 5): Considering the coverage and deductible you’re (or you’ll be) paying, do you feel you’re getting good value with your insurance? Is the pricing transparent with no hidden fees? Are discounts readily available and applied?
- Recommendation (yes/no): Do you recommend this insurer, agent or broker after going through the process?
More Information for Wisconsin Homeowners:
How Much Home Coverage Do You Need?
Home Insurance Coverage Add-ons You May Need
Home Insurance Shopping: How to Save Money
Wisconsin Best Mortgage Lenders from Community Recommendations
Wisconsin Best Refinance Lenders from Community Recommendations
More Resources for Wisconsin Homeowners.
Milwaukee Home Insurance Costs
Compare Milwaukee 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Milwaukee, the average annual insurance cost for a $300K home with a $500 deductible is $1,031. Choosing a $2,000 deductible instead of $500 can lower annual cost by 17.1% in Milwaukee for a $300K home.
Milwaukee’s $600K home insurance cost is 37.5% lower than the Wisconsin average of $3,133. The Milwaukee average annual cost for a $600K home with a $500 deductible is $1,959.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $570 | $524 | $502 | $473 | $404 |
| $200K Home | $942 | $865 | $828 | $781 | $668 |
| $300K Home | $1,031 | $947 | $907 | $855 | $731 |
| $400K Home | $1,495 | $1,373 | $1,315 | $1,240 | $1,060 |
| $600K Home | $1,959 | $1,799 | $1,723 | $1,624 | $1,389 |
Milwaukee Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Milwaukee’s area are Amica, State Farm, and USAA.
- Amica (92%): Homeowners praise its comprehensive coverage and responsive claims handling.
- State Farm (89%): Members highlight its local agent support and bundling discounts.
- USAA (91%): Users appreciate its military-focused perks and seamless online experience.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Amica | Insurer | 5 | 5 | 4 | 4 | 92% |
| USAA | Insurer | 4 | 5 | 5 | 4 | 91% |
| State Farm | Agents | 4 | 4 | 5 | 5 | 89% |
| Allstate | Agents | 4 | 3 | 5 | 4 | 82% |
| Nationwide | Agents | 4 | 3 | 4 | 4 | 81% |
| The Insurance Office | Broker | 3 | 4 | 3 | 3 | 78% |
| Midwest Insurance Group | Broker | 3 | 3 | 4 | 4 | 77% |
| R&R Insurance | Broker | 3 | 4 | 3 | 3 | 76% |
| West Bend | Insurer | 3 | 3 | 4 | 4 | 80% |
| Lemonade | Insurer | 3 | 4 | 5 | 5 | 83% |
See also:
Milwaukee Best Refinance Lenders
Milwaukee Best Home Loan Lenders
Madison Home Insurance Costs
Compare Madison 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Madison, the average annual insurance cost for a $300K home with a $500 deductible is $928. Choosing a $2,000 deductible instead of $500 can lower annual cost by 17.2% in Madison for a $300K home.
Madison’s $600K home insurance cost is 37.7% lower than the Wisconsin average of $3,133. The Madison average annual cost for a $600K home with a $500 deductible is $1,951.
Madison’s $800K home insurance cost is 0.0% higher than the Wisconsin average of $2,439. The Madison average annual cost for a $800K Home with a $500 deductible is $2,439.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $309 | $284 | $271 | $256 | $217 | $249 |
| $200K Home | $555 | $511 | $488 | $459 | $389 | $447 |
| $300K Home | $928 | $854 | $815 | $768 | $651 | $748 |
| $400K Home | $1,301 | $1,197 | $1,142 | $1,077 | $913 | $1,049 |
| $600K Home | $1,951 | $1,796 | $1,714 | $1,615 | $1,369 | $1,573 |
| $800K Home | $2,439 | $2,245 | $2,142 | $2,019 | $1,711 | $1,966 |
| $1M Home | $2,829 | $2,604 | $2,485 | $2,341 | $1,985 | $2,280 |
Madison Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Madison’s area are Amica, Auto-Owners, and Erie.
- Amica (91%): Homeowners commend its Platinum Choice policy and low complaint rates.
- Auto-Owners (88%): Members value its customizable add-ons and agent expertise.
- Erie (87%): Users highlight its guaranteed replacement cost coverage.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Amica | Insurer | 5 | 5 | 4 | 4 | 91% |
| Auto-Owners | Insurer | 4 | 4 | 3 | 4 | 88% |
| Erie | Agents | 4 | 4 | 3 | 3 | 87% |
| State Farm | Agents | 4 | 4 | 5 | 5 | 86% |
| Country Financial | Agents | 4 | 4 | 3 | 4 | 85% |
| Nationwide | Agents | 4 | 3 | 4 | 4 | 81% |
| West Bend | Insurer | 3 | 3 | 4 | 4 | 80% |
| Rural Mutual | Insurer | 3 | 3 | 3 | 5 | 79% |
| Badger Mutual | Insurer | 3 | 3 | 3 | 4 | 78% |
| Chubb | Agents | 5 | 4 | 3 | 3 | 85% |
See also:
Madison Best Refinance Lenders
Madison Best Home Loan Lenders
Green Bay Home Insurance Costs
Compare Green Bay 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Green Bay, the average annual insurance cost for a $300K home with a $500 deductible is $1,512. Choosing a $2,000 deductible instead of $500 can lower annual cost by 10.1% in Green Bay for a $300K home.
Green Bay’s $600K home insurance cost is 3.8% higher than the Wisconsin average of $3,133. The Green Bay average annual cost for a $600K home with a $500 deductible is $3,252.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $504 | $480 | $467 | $453 | $433 |
| $200K Home | $892 | $850 | $826 | $802 | $767 |
| $300K Home | $1,512 | $1,440 | $1,400 | $1,360 | $1,300 |
| $400K Home | $2,132 | $2,030 | $1,974 | $1,918 | $1,833 |
| $600K Home | $3,252 | $3,097 | $3,011 | $2,925 | $2,796 |
Green Bay Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Green Bay’s area are State Farm, Amica, and Auto-Owners.
- State Farm (88%): Homeowners appreciate its roofing discounts and local agent network.
- Amica (90%): Members praise its alarm system discounts and claim-free rewards.
- Auto-Owners (87%): Users highlight its identity theft coverage options.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Amica | Insurer | 5 | 5 | 4 | 4 | 90% |
| State Farm | Agents | 4 | 4 | 5 | 5 | 88% |
| Auto-Owners | Insurer | 4 | 4 | 3 | 4 | 87% |
| Erie | Agents | 4 | 4 | 3 | 3 | 86% |
| USAA | Insurer | 4 | 5 | 5 | 4 | 91% |
| West Bend | Insurer | 3 | 3 | 4 | 4 | 80% |
| Nationwide | Agents | 4 | 3 | 4 | 4 | 81% |
| R&R Insurance | Broker | 3 | 4 | 3 | 3 | 76% |
| Country Financial | Agents | 4 | 4 | 3 | 4 | 85% |
| Lemonade | Insurer | 3 | 4 | 5 | 5 | 83% |
See also:
Greenbay Best Refinance Lenders
Greenbay Best Home Loan Lenders
Kenosha Home Insurance Costs
Compare Kenosha 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Kenosha, the average annual insurance cost for a $300K home with a $500 deductible is $1,591. Choosing a $2,000 deductible instead of $500 can lower annual cost by 10.1% in Kenosha for a $300K home.
Kenosha’s $600K home insurance cost is 1.6% higher than the Wisconsin average of $3,133. The Kenosha average annual cost for a $600K home with a $500 deductible is $3,183.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $530 | $504 | $489 | $476 | $456 |
| $200K Home | $1,060 | $1,010 | $980 | $953 | $913 |
| $300K Home | $1,591 | $1,515 | $1,470 | $1,430 | $1,370 |
| $400K Home | $2,122 | $2,020 | $1,960 | $1,907 | $1,827 |
| $600K Home | $3,183 | $3,031 | $2,941 | $2,861 | $2,741 |
Kenosha Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Kenosha’s area are State Farm, Amica, and Allstate.
- State Farm (87%): Members value its inflation coverage and bundling options.
- Amica (89%): Users highlight its water backup and sump overflow coverage.
- Allstate (83%): Homeowners appreciate its green improvement reimbursement.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Amica | Insurer | 5 | 5 | 4 | 4 | 89% |
| State Farm | Agents | 4 | 4 | 5 | 5 | 87% |
| Allstate | Agents | 4 | 3 | 5 | 4 | 83% |
| Erie | Agents | 4 | 4 | 3 | 3 | 86% |
| West Bend | Insurer | 3 | 3 | 4 | 4 | 80% |
See also:
Kenosha Best Refinance Lenders
Kenosha Best Home Loan Lenders
Racine Home Insurance Costs
Compare Racine 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Racine average annual cost for a $300K home with a $500 deductible is $1,617. Choosing a $2,000 deductible instead of $500 can lower annual cost by 10.0% in Racine for a $300K home.
Racine’s $600K home insurance cost is 8.1% higher than the Wisconsin average of $3,133. The Racine average annual cost for a $600K home with a $500 deductible is $3,387.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $539 | $513 | $498 | $485 | $465 |
| $200K Home | $960 | $914 | $887 | $863 | $828 |
| $300K Home | $1,617 | $1,540 | $1,495 | $1,455 | $1,395 |
| $400K Home | $2,274 | $2,166 | $2,103 | $2,047 | $1,962 |
| $600K Home | $3,387 | $3,226 | $3,132 | $3,048 | $2,922 |
Racine Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Racine’s area are USAA, State Farm, and Amica.
- USAA (90%): Members commend its replacement cost coverage for belongings.
- State Farm (86%): Homeowners praise its arson reward coverage.
- Amica (88%): Users highlight its e-discounts and loyalty rewards.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| USAA | Insurer | 4 | 5 | 5 | 4 | 90% |
| Amica | Insurer | 5 | 5 | 4 | 4 | 88% |
| State Farm | Agents | 4 | 4 | 5 | 5 | 86% |
| Allstate | Agents | 4 | 3 | 5 | 4 | 83% |
| Nationwide | Agents | 4 | 3 | 4 | 4 | 81% |
See also:
Appleton Home Insurance Costs
Compare Appleton 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Appleton average annual cost for a $300K home with a $500 deductible is $1,565. Choosing a $2,000 deductible instead of $500 can lower annual cost by 10.2% in Appleton for a $300K home.
Appleton’s $600K home insurance cost is 4.0% higher than the Wisconsin average of $3,133. The Appleton average annual cost for a $600K home with a $500 deductible is $3,258.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $521 | $496 | $481 | $468 | $448 |
| $200K Home | $919 | $875 | $848 | $825 | $790 |
| $300K Home | $1,565 | $1,490 | $1,445 | $1,405 | $1,345 |
| $400K Home | $2,211 | $2,105 | $2,042 | $1,985 | $1,900 |
| $600K Home | $3,258 | $3,102 | $3,008 | $2,925 | $2,800 |
Appleton Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Appleton’s area are Auto-Owners, Amica, and Erie.
- Auto-Owners (87%): Users highlight its guaranteed replacement cost add-ons.
- Amica (89%): Homeowners praise its burglar alarm discounts.
- Erie (85%): Members value its advanced quote discounts.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Amica | Insurer | 5 | 5 | 4 | 4 | 89% |
| Auto-Owners | Insurer | 4 | 4 | 3 | 4 | 87% |
| Erie | Agents | 4 | 4 | 3 | 3 | 85% |
| State Farm | Agents | 4 | 4 | 5 | 5 | 86% |
| West Bend | Insurer | 3 | 3 | 4 | 4 | 80% |
See also:
Appleton Best Refinance Lenders
Appleton Best Home Loan Lenders
Waukesha Home Insurance Costs
Compare Waukesha 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Waukesha average annual cost for a $300K home with a $500 deductible is $1,591. Choosing a $2,000 deductible instead of $500 can lower annual cost by 10.1% in Waukesha for a $300K home.
Waukesha’s $600K home insurance cost is 8.4% higher than the Wisconsin average of $3,133. The Waukesha average annual cost for a $600K home with a $500 deductible is $3,395.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $530 | $505 | $490 | $476 | $456 |
| $200K Home | $937 | $892 | $866 | $842 | $807 |
| $300K Home | $1,591 | $1,515 | $1,470 | $1,430 | $1,370 |
| $400K Home | $2,246 | $2,139 | $2,075 | $2,019 | $1,934 |
| $600K Home | $3,395 | $3,233 | $3,137 | $3,051 | $2,923 |
Waukesha Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Waukesha’s area are Midwest Insurance Group, Amica, and State Farm.
- Midwest Insurance Group (84%): Homeowners commend its sewer backup coverage.
- Amica (88%): Members highlight its special computer coverage.
- State Farm (85%): Users appreciate its hail-resistant roofing discounts.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Amica | Insurer | 5 | 5 | 4 | 4 | 88% |
| State Farm | Agents | 4 | 4 | 5 | 5 | 85% |
| Midwest Insurance Group | Broker | 3 | 3 | 4 | 4 | 84% |
| Allstate | Agents | 4 | 3 | 5 | 4 | 83% |
| Erie | Agents | 4 | 4 | 3 | 3 | 85% |
See also:
Waukesha Best Refinance Lenders
Waukesha Best Home Loan Lenders
Eau Claire Home Insurance Costs
Compare Eau Claire 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Eau Claire, the average annual insurance cost for a $300K home with a $500 deductible is $1,916. Choosing a $2,000 deductible instead of $500 can lower annual cost by 11.0% in Eau Claire for a $300K home.
Eau Claire’s $600K home insurance cost is 29.3% higher than the Wisconsin average of $3,133. The Eau Claire average annual cost for a $600K home with a $500 deductible is $4,052.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $640 | $609 | $589 | $569 | $546 |
| $200K Home | $1,130 | $1,077 | $1,041 | $1,006 | $965 |
| $300K Home | $1,916 | $1,825 | $1,765 | $1,705 | $1,635 |
| $400K Home | $2,702 | $2,573 | $2,489 | $2,404 | $2,305 |
| $600K Home | $4,052 | $3,860 | $3,733 | $3,606 | $3,458 |
Eau Claire Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Eau Claire’s area are Auto-Owners, Erie, and Amica.
- Auto-Owners (86%): Users praise its identity theft restoration coverage.
- Erie (84%): Homeowners highlight its gift card reimbursement.
- Amica (87%): Members value its sump overflow protection.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Amica | Insurer | 5 | 5 | 4 | 4 | 87% |
| Auto-Owners | Insurer | 4 | 4 | 3 | 4 | 86% |
| Erie | Agents | 4 | 4 | 3 | 3 | 84% |
| State Farm | Agents | 4 | 4 | 5 | 5 | 85% |
| West Bend | Insurer | 3 | 3 | 4 | 4 | 80% |
See also:
Eau Claire Best Refinance Lenders
Eau Claire Best Home Loan Lenders
Oshkosh Home Insurance Costs
Compare Oshkosh 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Oshkosh average annual cost for a $300K home with a $500 deductible is $1,591. Choosing a $2,000 deductible instead of $500 can lower annual cost by 10.1% in Oshkosh for a $300K home.
Oshkosh’s $600K home insurance cost is 7.4% higher than the Wisconsin average of $3,133. The Oshkosh average annual cost for a $600K home with a $500 deductible is $3,366.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $530 | $505 | $490 | $477 | $457 |
| $200K Home | $932 | $888 | $862 | $838 | $803 |
| $300K Home | $1,591 | $1,515 | $1,470 | $1,430 | $1,370 |
| $400K Home | $2,250 | $2,142 | $2,078 | $2,022 | $1,937 |
| $600K Home | $3,366 | $3,205 | $3,110 | $3,025 | $2,898 |
Oshkosh Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Oshkosh’s area are State Farm, Amica, and Auto-Owners.
- State Farm (86%): Members appreciate its fire department service charge coverage.
- Amica (88%): Homeowners commend its e-discounts.
- Auto-Owners (85%): Users highlight its appliance failure coverage.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Amica | Insurer | 5 | 5 | 4 | 4 | 88% |
| State Farm | Agents | 4 | 4 | 5 | 5 | 86% |
| Auto-Owners | Insurer | 4 | 4 | 3 | 4 | 85% |
| Erie | Agents | 4 | 4 | 3 | 3 | 84% |
| West Bend | Insurer | 3 | 3 | 4 | 4 | 80% |
See also:
Oshkosh Best Refinance Lenders
Oshkosh Best Home Loan Lenders
Janesville Home Insurance Costs
Compare Janesville 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Janesville, the average annual insurance cost for a $300K home with a $500 deductible is $1,664. Choosing a $2,000 deductible instead of $500 can lower annual cost by 10.5% in Janesville for a $300K home.
Janesville’s $600K home insurance cost is 12.6% higher than the Wisconsin average of $3,133. The Janesville average annual cost for a $600K home with a $500 deductible is $3,527.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $554 | $528 | $511 | $496 | $476 |
| $200K Home | $976 | $930 | $901 | $874 | $839 |
| $300K Home | $1,664 | $1,585 | $1,535 | $1,490 | $1,430 |
| $400K Home | $2,352 | $2,240 | $2,169 | $2,106 | $2,021 |
| $600K Home | $3,527 | $3,360 | $3,254 | $3,159 | $3,031 |
Janesville Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Janesville’s area are Amica, State Farm, and USAA.
- Amica (89%): Users praise its claim-free discounts.
- State Farm (85%): Homeowners highlight its power interruption coverage.
- USAA (88%): Members value its uniform coverage for military families.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Amica | Insurer | 5 | 5 | 4 | 4 | 89% |
| USAA | Insurer | 4 | 5 | 5 | 4 | 88% |
| State Farm | Agents | 4 | 4 | 5 | 5 | 85% |
| Auto-Owners | Insurer | 4 | 4 | 3 | 4 | 84% |
| Erie | Agents | 4 | 4 | 3 | 3 | 83% |
See also:
Janesville Best Refinance Lenders
Janesville Best Home Loan Lenders
Biggest Home Insurance Cost Factors in Wisconsin
Weather Risks
Wisconsin’s weather plays a major role in home insurance costs. The state experiences harsh winters with heavy snow, ice storms, and freezing temperatures which increase the risk of roof damage, frozen pipes, and other cold-weather-related claims. Additionally, severe thunderstorms and occasional tornadoes in southern Wisconsin raise the potential for wind and hail damage, causing insurers to factor higher premiums to cover these risks.
Home Construction Age
Older homes in Wisconsin generally cost more to insure due to outdated electrical systems, plumbing, and roofing materials that increase the risk of damage and claims. Newer homes tend to have modern building codes and materials that lower the risk.
| Home Age | Typical Cost Change |
|---|---|
| 0–5 years | 15% to 25% less |
| 6–10 years | 15% to 5% less |
| 11–20 years | 0% |
| 21–30 years | 10% to 20% more |
| 31–40 years | 25% to 40% more |
| 41–60 years | 45% to 65% more |
| 60+ years | 70% to 100% more |
In Wisconsin, this ratio applies closely as many homes built before 1980 face higher premiums due to older construction standards and vulnerability to winter damage. Homes in northern Wisconsin with older construction may see the upper end of these multipliers because of harsher winter weather and longer exposure to wear and tear.
Credit Score
Credit scores strongly influence home insurance premiums in Wisconsin. Insurers use credit-based insurance scores to predict the likelihood of a claim. Homeowners with higher credit scores typically receive lower rates, while those with poor credit may face significantly higher premiums.
| Credit Score | Typical Cost Change |
|---|---|
| Excellent | 0% |
| Good | 20% more |
| Average | 40% more |
| Poor | 100% to 170% more |
Wisconsin follows these general trends, though some insurers may offer slightly better rates for good credit due to competitive market conditions in the state. It’s important for homeowners to maintain good credit to secure the best rates.
Location within Wisconsin
Where a home is located in Wisconsin greatly affects insurance costs. Urban areas like Milwaukee and Madison tend to have higher rates due to increased theft and liability risks. Rural areas might have lower premiums but may face higher costs if located near flood plains or wildfire-prone regions. Proximity to fire stations and hydrants also impacts rates, as better access reduces insurer risk.
Home Construction Materials and Features
The materials used in building a home affect insurance costs. Homes with brick or stone exteriors generally cost less to insure than those with wood siding because they resist fire and weather damage better. Features like updated wiring, security systems, and storm-resistant windows can reduce premiums in Wisconsin.
Claims History
A homeowner’s past claims history impacts insurance costs in Wisconsin. Multiple claims within a few years can increase premiums substantially, as insurers see this as higher risk.
Deductible Amount
Choosing higher deductibles can lower insurance premiums in Wisconsin but means paying more out-of-pocket during a claim. Many Wisconsin homeowners balance cost savings with manageable deductible levels.
Best Home Insurance Discounts in Wisconsin
- Multi-Policy Discount: Bundling home and auto insurance policies often leads to significant savings.
- Home Security Discounts: Installing burglar alarms, smoke detectors, or security systems can reduce premiums.
- Claims-Free Discount: Maintaining a history without claims can lower rates.
- New Home Discount: Some insurers offer discounts for recently built homes with modern safety features.
- Renovation Discount: Upgrades to wiring, plumbing, or roofing can qualify homeowners for discounts.
How to Find Cheap Home Insurance in Wisconsin?
Homeowners should compare quotes from multiple insurers and inquire about available discounts. Focus on companies with strong local reputations and good customer service. While seeking the cheapest insurance, it’s important to ensure adequate coverage and not sacrifice quality for cost. The cheapest policy may have gaps in coverage or high deductibles that lead to expensive out-of-pocket costs during a claim.
6 Ways to Reduce Your Home Insurance Cost in Wisconsin
- Bundle your home and auto insurance policies to qualify for multi-policy discounts.
- Increase your deductible to lower your premium, but ensure you can cover the deductible if needed.
- Install security devices like alarms, deadbolts, and smoke detectors.
- Maintain a good credit score to qualify for lower rates.
- Keep your home well-maintained and upgrade older systems.
- Shop around annually and compare quotes to stay competitive.
What Does Home Insurance Cover in Wisconsin?
Standard home insurance policies in Wisconsin cover dwelling protection, personal property, liability protection, and additional living expenses if your home becomes uninhabitable. Coverage typically includes damage from fire, windstorms, hail, lightning, theft, and vandalism.
What Extra Coverage Can Homeowners Get in Wisconsin?
Wisconsin homeowners can purchase extra coverage such as:
- Flood Insurance: Not included in standard policies but essential in flood-prone areas, especially near rivers and lakes.
- Water Backup Coverage: Protects against damage from sewer or drain backups, useful in heavy rain seasons.
- Earthquake Insurance: Generally not needed in Wisconsin due to low seismic risk but available.
- Extended Replacement Cost: Helps cover the cost if rebuilding expenses exceed policy limits.
Extra coverage should be considered based on location risks and individual needs.
FAQ: Wisconsin Home Insurance
Q: How does Wisconsin’s weather affect my home insurance?
A: Severe winters and storms increase risks, so premiums may be higher than in milder states.
Q: Does my credit score affect my home insurance rates in Wisconsin?
A: Yes, better credit scores usually mean lower premiums.
Q: Can I get discounts for home security systems in Wisconsin?
A: Yes, installing alarms and safety devices can lower your insurance costs.
Q: Is flood insurance included in standard home policies in Wisconsin?
A: No, flood insurance must be purchased separately through the National Flood Insurance Program or private insurers.
Q: How often should I review my home insurance policy in Wisconsin?
A: It’s recommended to review annually or after major home improvements or changes in risk.