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Best homeowners insurance in Wisconsin for 2022

June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies. Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance. Updated Nov 07, 2022

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What To Know First

Collapse Caret Up If you own property in Wisconsin, investing in a home insurance policy is a smart idea. Home insurance protects your house and personal items from potential losses, like theft and storm damage, and provides liability and loss of use coverage. There are many home insurance companies that sell coverage in Wisconsin, but not every provider is created equal. To help you find the best homeowners insurance in Wisconsin, Bankrate researched companies and scored them using our unique methodology. We also studied rate data from Quadrant Information Services to see which companies have the most affordable rates. Collapse

Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We've maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we're putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most - price, customer service, policy features and savings opportunities - so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we're putting accuracy first.

If you own property in Wisconsin, investing in a home insurance policy is a smart idea. Home insurance protects your house and personal items from potential losses, like theft and storm damage, and provides liability and loss of use coverage. There are many home insurance companies that sell coverage in Wisconsin, but not every provider is created equal. To help you find the best homeowners insurance in Wisconsin, Bankrate researched companies and scored them using our unique methodology. We also studied rate data from Quadrant Information Services to see which companies have the most affordable rates. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage

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How Bankrate chose the best home insurance companies in Wisconsin

To find the best Wisconsin homeowners insurance, Bankrate's insurance editorial team began by reviewing coverage from some of the largest companies in the state. We also collected average rate data from Quadrant Information Services. Based on the findings, each Wisconsin home insurance company earned a Bankrate Score on a five-point scale. Bankrate Scores are calculated using criteria like affordability, coverage options, financial strength and customer satisfaction. If you are in the market for home insurance in Wisconsin, using Bankrate Scores can help you quickly narrow down the best Wisconsin homeowners insurance companies. Insurers with high Bankrate Scores generally excel in multiple areas, such as price and policy options. Companies with low Bankrate Scores may fall short in certain categories, and might not be as strong overall.

Bankrate utilizes Quadrant Information Services to analyze 2022 current rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits: Coverage A, Dwelling: $250,000 Coverage B, Other Structures: $25,000 Coverage C, Personal Property: $125,000 Coverage D, Loss of Use: $50,000 Coverage E, Liability: $300,000 Coverage F, Medical Payments: $1,000 The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required). These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores are calculated on a five-point scale and primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for homeowners to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support. To determine how well the best home insurance companies satisfy these priorities, third-party agency ratings from , , , , and Moody's had the most impact on the companies' Bankrate Scores. As price is a common consideration for homeowners, we analyzed quoted premiums based on 40-year-old male and female homeowners with a home policy with $250,000 in dwelling coverage. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which homeowners may compare each provider. While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer's online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Best home insurance companies in Wisconsin

The best Wisconsin homeowners insurance companies are State Farm, Erie and Chubb, according to Bankrate's comprehensive review. These carriers have the highest Bankrate Scores, have between Excellent and Superior financial strength, as designated by AM Best, and ranked in J.D. Power's most recent . Of these three companies, Erie is the only one with average rates that are cheaper than the statewide average cost of $928 per year for a policy with $250,000 in dwelling coverage. The table below provides a closer look at the Wisconsin home insurance companies Bankrate determined were the best, based on its unique methodology and scoring system: Insurance company J.D. Power AM Best Average monthly premium* Average annual premium* Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power 829 /1,000 AM Best A++ (Superior) Average monthly premium* $90 Average annual premium* $1,075 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power 827 /1,000 AM Best A+ (Superior) Average monthly premium* $53 Average annual premium* $632 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power 809 /1,000 AM Best A++ (Superior) Average monthly premium* $112 Average annual premium* $1,348 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power 825 /1,000 AM Best A++ (Superior) Average monthly premium* $90 Average annual premium* $1,085 J.D. Power Not rated AM Best A (Excellent) Average monthly premium* $44 Average annual premium* $525 Powered by Coverage.com (NPN: 19966249) This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. *Average rates are for annual policies with $250,000 in dwelling coverage This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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Return to form Key takeaways On average, Wisconsin homeowners pay $928 per year for a home insurance policy with $250,000 in dwelling coverage. West Bend offers the lowest average premium in Wisconsin according to Bankrate's research, with an average rate of $525 per year. Explore Bankrate's review J.D. Power: AM Best: ++ Avg. annual premium for 250k dwelling $ Company overview State Farm is one of the to consider if you are looking for a provider with top-rated customer service and customer satisfaction. In J.D. Power's 2022 Home Insurance Study, State Farm ranked above average . You can purchase a State Farm home insurance policy through one of the company's 19,000 agents, or through the website. Despite State Farm's excellent third-party ratings and great customer service, it's lacking in a few areas. Most notably, State Farm does not offer many add-on coverages compared to some competitors. Pros and cons CheckmarkPros Strong performance in J.D. Power's 2022 Home Insurance Study Large network of local agents available for personalized assistance Close XCons Limited coverage add-on options May have limited discount opportunities compared to other carriers Average annual premium by city Wisconsin city State Farm avg. annual premium for $250K dwelling Green Bay $963 Kenosha $960 Madison $966 Milwaukee $1,127 Racine $960 Explore Bankrate's review Explore Bankrate's review J.D. Power: AM Best: + Avg. annual premium for 250k dwelling $ Company overview Erie stands out in multiple areas, but it may be most attractive for Wisconsin homeowners who want a guaranteed replacement cost coverage policy. Every standard home insurance policy from Erie includes guaranteed replacement cost coverage for your dwelling and personal items, in the event of a covered loss. Erie also sells a few optional endorsements, like service line protection and water backup coverage. Based on our review, we found that Erie falls short in terms of potential discounts, but it has an excellent customer satisfaction score from J.D. Power and below-average premiums. Pros and cons CheckmarkPros Offers guaranteed replacement cost for some home insurance policy types Scored above average in J.D. Power's 2022 Home Insurance Study Close XCons Limited range of potential home insurance discounts Mobile app accessibility may not be as robust as other competitors Average annual premium by city Wisconsin city Erie avg. annual premium for $250K dwelling Green Bay $493 Kenosha $589 Madison $579 Milwaukee $577 Racine $647 Explore Bankrate's review Explore Bankrate's review J.D. Power: AM Best: ++ Avg. annual premium for 250k dwelling $ Company overview Chubb is one of the best Wisconsin home insurance companies if you want a comprehensive policy. A standard Chubb home insurance policy includes several benefits, like extended replacement cost coverage, a cash settlement option after a claim, professional risk consulting, tree removal after a storm and many others. However, Chubb's average home insurance rates may be higher than the state average. In addition, Chubb does not offer many discounts for potential savings. Pros and cons CheckmarkPros Long list of add-on coverage options Strong financial strength rating from AM Best Close XCons Smaller list of discount saving opportunities Scored below average in J.D. Power's 2022 Home Insurance Study Average annual premium by city Wisconsin city Chubb avg. annual premium for $250K dwelling Green Bay $1,024 Kenosha $1,264 Madison $959 Milwaukee $1,331 Racine $1,124 Explore Bankrate's review Explore Bankrate's review J.D. Power: AM Best: ++ Avg. annual premium for 250k dwelling $ Company overview Wisconsin homeowners who want to take advantage of discounts should consider Auto-Owners. The company offers a variety of ways to save, such as bundling your policies, paying your annual premium in full, having no mortgage, installing an automatic water shut off system, having an automatic backup generator, enrolling in paperless billing and many others. Auto-Owners also offers many endorsements for extra protection. With Auto-Owners, the biggest disadvantage may come for those who prefer to purchase their policy 100% digitally. You must work with an agent to get a quote and buy a policy. Pros and cons CheckmarkPros Many potential discounts available to save on home insurance premium Array of optional coverage to choose from Close XCons Policies must be purchased through an agent Limited digital tools available Average annual premium by city Wisconsin city Auto-Owners avg. annual premium for $250K dwelling Green Bay $825 Kenosha $941 Madison $1,139 Milwaukee $1,244 Racine $966 Explore Bankrate's review Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: Avg. annual premium for 250k dwelling $ Company overview West Bend is a small, Wisconsin-based insurance company. According to data from Quadrant, West Bend's average home insurance rates may be below the state average. West Bend is unique in the way it offers its combined auto and home insurance bundle, called the Home and Highway policy. This policy bundle is available in three tiers, and provides coverage for things like inflation protection, valuables, pets, identity theft, sports and hobby equipment, and food spoilage after a power outage. However, West Bend has limited online capabilities, so you'll need to work with an agent to get a quote and buy a policy. Pros and cons CheckmarkPros Multiple policy bundling available in tiers Unique policy add-on coverage that may not be offered by other carriers Close XCons No mobile app available Policies must be quoted and purchased from an agent Average annual premium by city Wisconsin city West Bend avg. annual premium for $250K dwelling Green Bay $490 Kenosha $498 Madison $480 Milwaukee $588 Racine $506 Answer a few questions to see personalized rates from top carriers.

How much is homeowners insurance in Wisconsin

The in Wisconsin is $928 per year for a policy with $250,000 in dwelling coverage. Wisconsin homeowners pay less on average for home insurance than the average American. For comparison, the U.S. national average rate is $1,383 per year for the same level of coverage. In addition, the cost of home insurance in Wisconsin is cheaper than in many nearby states, like Minnesota at $1,880 annually and Iowa at $1,290 annually. This could be due to the fact that Wisconsin has a and does not experience major natural disasters, like hurricanes or tornadoes, leading to a lower probability of costly claims. Although Wisconsin has based on average rate data, it's important to remember that every homeowner pays a different rate for coverage. Personal factors, like your age, gender, credit score, claim history, ZIP code, the size and age of your home and its proximity to a fire station can all impact the cost of your policy. In the table below, you can see how home insurance rates vary based on location in Wisconsin:

Virginia City Average annual premium for $250k dwelling coverage Green Bay, Wisconsin $816 Kenosha, Wisconsin $892 $837 Milwaukee, Wisconsin $977 Racine, Wisconsin $881

Home insurance in Wisconsin

Wisconsin is relatively protected from many natural disasters. However, like all states, there are considerations that you should be aware of.

Common causes of loss in Wisconsin

Wisconsin home insurance rates are affected by several perils that lead to property insurance claims. Some common causes of loss in Wisconsin are: Sinkholes: Areas of Wisconsin are prone to sinkholes. However, compared to other states that have significant sinkhole issues, Wisconsin's are usually less severe. Most are . Floods: Flooding could be a concern in Wisconsin, but the likelihood of this loss depends on what part of the state you are in. In 2008 in Southern Wisconsin, 31 counties were declared to be disaster areas due to widespread flooding. Over 40,000 homes and 5,000 businesses were severely damaged. The total damage added up to . Snowfall: Being a northern state, Wisconsin receives heavy snow frequently. Snow can cause damage in a number of ways. The weight can damage your roof and exterior of your home, melting snow can cause leaks and internal damage and the cold temperatures can freeze and burst your pipes. Windstorms: Severe weather such as thunderstorms and high winds, including tornadoes, can lead to property damage. In addition, broken tree branches from high winds could damage rooftops, carports or other home structures.

Home insurance coverage options in Wisconsin

Heavy flooding and sinkholes lead to common causes of loss in Wisconsin for homeowners. If you are insuring your home within Wisconsin, you may want to consider these optional coverage types: : Homeowners insurance companies generally do not cover flood damage on standard policies. Flood insurance is sold through the (NFIP) and from dozens of private carriers. To see if you are required to carry , input your home's address into a , but know that this is only meant as a guide. As 90% of U.S. natural disasters involve flooding, the Insurance Information Institute (Triple-I) recommends all Wisconsin homeowners consider flood insurance. : Sinkhole protection may be necessary if you live in a sinkhole-prone area of Wisconsin. Some areas in the eastern, southern and western parts of the state have dolomite and limestone beneath the surface. These two types of stone are soluble and prone to breaking. Equipment breakdown: Wisconsin's weather fluctuations can wreak havoc on heating, plumbing and electrical systems. Adding this optional coverage is similar to buying an extended warranty. If your furnace fails, your home insurer could help pay for its repair or replacement, as long as the failure is not because of regular wear and tear due to age or lack of maintenance. Water backup coverage: If you suffer damage due to a backed up sewer or drain line, you'll want to consider this add-on option to have coverage. Many other types of may be covered automatically, but water backup is not.

Frequently asked questions

The best homeowners insurance in Wisconsin will vary based on your needs and wants. A homeowner looking for the lowest price and a homeowner looking for a certain specialty coverage may find that different companies suit their needs. Consider getting multiple quotes and doing additional research to decide which one is right for you.

To get homeowners insurance in Wisconsin, start by contacting a few companies to get quotes. Quotes can be obtained online, over the phone or through a local agent. You'll need to provide your name, date of birth and some information about your house like the address, year built, roof age and information about custom features.

There are many ways to get a more affordable home insurance premium in Wisconsin. Many home insurance companies offer discounts to help homeowners save money on their policy. While every company has different discounts, you can often get savings for bundling your home and auto insurance, paying your premium in full, installing smoke alarms or a security system in your house, and insuring a or newly purchased home. In addition, raising your deductible and improving your credit score can help you get a better rate. Once per year, consider shopping around for new to see if you can find a lower rate from a different carrier.

is the portion of your homeowners insurance Virginia policy that specifically covers your home and personal belongings if they are damaged by a covered peril such as fire and smoke, lightning, windstorm, hail and explosion. The rest of your policy covers other instances like theft and medical expenses if someone were injured on your property and provides loss of use coverage if you cannot occupy your home due to a covered loss. Written by June Sham Insurance Writer June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies. Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.

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Best homeowners insurance in Wisconsin for 2022

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How Bankrate chose the best home insurance companies in Wisconsin

Best home insurance companies in Wisconsin

Compare home insurance rates

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How much is homeowners insurance in Wisconsin

Home insurance in Wisconsin

Common causes of loss in Wisconsin

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