Over 12 years writing about insurance and personal finance
Emily is a Plutus Award-winning freelance writer and former educator who makes complex financial topics easy to understand. She specializes in the science behind money habits and has written for outlets like The Huffington Post, Business Insider, and The Washington Post.
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Wisconsin homeowners pay less than the national average for home insurance. The average cost of home insurance for a policy with $300,000 in dwelling coverage and a $1,000 deductible is $1,473 annually in Wisconsin and $2,524 nationwide. Residents of the Badger State may even find cheaper insurance than the state average by comparing quotes from multiple insurers in Wisconsin.
With the state’s long winters, severe winds, and increasing flood risks, Wisconsin homeowners have plenty of perils to guard against. You should consider the specific risks in your area so you can purchase additional coverage if needed.
Here’s what you need to know about finding home insurance coverage in Wisconsin.
Quick Facts
American Family, Allstate, and Rockford Mutual have the cheapest home insurance coverage in Wisconsin, with average annual premiums lower than the state average.
Compared to other cities in Wisconsin, Milwaukee has the most expensive home insurance coverage.
Wisconsin’s Door County has more shoreline than any other county in the United States, with more than 250 miles.[1] Coastal areas have a higher risk of flooding, so homeowners may need to purchase flood insurance.
Best home insurance companies in Wisconsin
You have a number of quality insurance companies to choose from for your home insurance. The best home insurance company for you depends on your specific needs and circumstances, so you should always compare options from several insurers.
Start your search below with four of the best home insurers in the Badger State. The premiums below reflect the cost of a policy with $300,000 in dwelling coverage and a $1,000 deductible.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Average Monthly Premium
Best For
American Family
8.6
$73
Cheapest rates
Allstate
8.2
$97
Policy customization
Rockford Mutual
NR
$68
Regional insurer
Erie
7.4
$145
Guaranteed replacement cost coverage
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Cheapest rates: American Family
cheapest ratesAmerican Family
Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.6/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
638
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$73/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$105/mo
The cheapest home insurance company in Wisconsin is American Family Insurance, which also sponsors the Milwaukee Brewers stadium. This insurer offers great customer service. You can get a quote and handle much of your insurance tasks online, or you can work with a local agent if you prefer the personal touch.
In addition to a low average home insurance premium in Wisconsin, American Family also provides a robust menu of discounts, including the chance to save up to 23% by bundling.
Pros
Highly rated mobile app
Offers a number of discounts
Cons
Above-average Complaint Index score from the National Association of Insurance Commissioners (NAIC) for personal auto insurance
You have to complete insurance enrollment with an agent
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.2/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
631
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$97/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$129/mo
Allstate recognizes that homeowners have varying insurance needs, so it allows customers to create a policy that fits those unique coverages.
You can add optional coverages, including a personal umbrella policy and a host advantage policy, which covers your belongings if you’re home-sharing. Allstate even helps customers purchase flood insurance through the National Flood Insurance Program.
Pros
Below-average Complaint Index score from the NAIC for personal auto insurance
No dog breeds banned from homeowners insurance
Cons
Fewer coverage options than some competitors
Below-average customer satisfaction rating in J.D. Power’s 2023 U.S. Home Insurance Study[2]
Best regional insurer: Rockford Mutual
regional insurerRockford Mutual Insurance
Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
NR
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
Serving Illinois, Indiana, and Wisconsin, Rockford Mutual is a regional insurer that prides itself on providing excellent customer service, self-reporting a 96% customer satisfaction rating. Rockford Mutual has coverage for the weight of ice, sleet, or snow and coverage for frozen plumbing, which is helpful for Wisconsin residents.
Pros
Local presence as a regional insurer
Offers option to bundle home and auto insurance
Cons
You can’t get an online quote
Claims reporting isn’t available 24/7
Best insurer for guaranteed replacement cost coverage: Erie
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.4/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
674
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$145/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$233/mo
Unlike most other home insurance companies, Erie Insurance promises guaranteed replacement cost coverage as part of its standard home insurance policy rather than offering it as an endorsement. You also get $500 in pet coverage as part of Erie’s standard policy.
Erie offers great value to Wisconsin homeowners who want to protect their dwelling in case of a major claim.
Pros
Earned the highest customer satisfaction ranking from J.D. Power[2]
Offers multi-policy discounts ranging from 16%–25%
Cons
You can’t get a quote online
Poorly rated mobile app
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Cheapest home insurance in Wisconsin
The cheapest home insurance company in Wisconsin is American Family, which has an average annual premium significantly lower than the national average.
Compare other cheap options for your home insurance needs in Wisconsin below. The average monthly premiums reflect the cost of a policy with $300,000 in dwelling coverage and a $1,000 deductible.
The below rates are estimated rates current as of: Tuesday, August 19 at 12:00 PM PDT.
For a $300,000 home with a $1,000 deductible, the average home insurance policy in Wisconsin costs $1,473 annually, or about $123 per month. Wisconsin homeowners pay much less than the national average premium of $2,524 per year. How much you pay for a policy will depend on your coverage limits and deductible.
A number of other factors affect the cost of premiums, including your ZIP code, whether you live in an urban or rural area, your home characteristics, and weather risks in your area.
Cost of homeowners insurance by dwelling coverage amount
The dwelling coverage portion of your homeowners insurance policy covers the physical structure of your home. If a covered peril causes structural damage to your home, this coverage is what pays to fix or replace it. The best level of dwelling coverage will be enough to cover the replacement cost to rebuild your home, although different levels of coverage will have different premiums.
Here’s the average cost of homeowners insurance with a $1,000 deductible for policies with different dwelling coverage amounts in Wisconsin.
The below rates are estimated rates current as of: Tuesday, August 19 at 12:00 PM PDT.
When you make a home insurance claim following covered damages, you need to pay a certain amount before the policy kicks in. The amount you need to cover is the deductible, which you can set based on your specific needs.
For example, a low deductible means you have less to pay after a covered claim, but you’ll have higher premiums, while a high deductible increases your financial responsibility after a claim but lowers your premium rates.
Compare the average annual premiums by deductible amount for a homeowners insurance policy in Wisconsin with $300,000 in dwelling coverage.
Deductible Amount
Average Annual Premium
$500
$1,620
$1,000
$1,473
How to get cheap homeowners insurance in Wisconsin
Comparing home insurance rates among a number of companies is the best way to find the lowest rate, but you can use additional strategies to reduce your premiums. Here are a few tips.
Bundle multiple insurance policies. Many homeowners insurance companies also offer other insurance products, such as auto insurance, life insurance, umbrella insurance, or other types of coverage. To encourage loyalty among consumers, insurers often provide discounts on your insurance policies if you purchase them from the same company.
Inquire about other discounts. You should always ask your insurance agent about what home insurance discounts you qualify for. Common discounts include paid-in-full, auto-pay, new homeowner, senior, loyalty, claims-free, military, and fortified home discounts.
Increase your deductible. The higher your deductible, the lower your insurance premium. If you can afford to pay the higher deductible in the event of a claim, this is a great place to start lowering your insurance rates.[3]
How much homeowners insurance do you need in Wisconsin?
The state of Wisconsin doesn’t require homeowners to carry home insurance coverage, but your mortgage lender will make you purchase a homeowners policy as a condition of your home loan. Even if you don’t need to meet lender requirements, it’s a good idea to purchase a home insurance policy that can cover at least 80% of its replacement cost.
When deciding how much homeowners coverage you need, you should familiarize yourself with what a home insurance policy covers because some perils don’t receive coverage. For example, the vast majority of homeowners insurance policies don’t cover flood damage. If you live in an area with a risk of flooding, you’ll need to purchase a separate insurance product for flood coverage.
Find Cheap Wisconsin Home Insurance
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4.8/5
What are some of the biggest risks when owning a home in Wisconsin?
Homeowners insurance premiums vary by location due to factors like local climate, weather patterns, proximity to fire stations, and more. Wisconsin residents should generally prepare for the following common risks in the state:
Wind damage
Many cities and counties in Wisconsin have a moderate or high risk of very strong winds from severe storms and tornadoes. Standard homeowners insurance policies cover wind damage, but it’s still a good idea to protect your home from severe winds by following the Federal Emergency Management Agency (FEMA) guidelines for shoring up your property.[4]
Severe winter weather
Severe winter weather in Wisconsin, including cold waves, ice storms, and snow, can potentially cause damage to your home. Though a standard home insurance policy will generally cover damage caused by cold weather phenomena, you should look over your current policy to make sure it covers severe winter weather damages.
Flooding
Flooding may seem like a more common occurrence in coastal areas, but Wisconsin has had its share of devastating floods over the years. Since standard homeowners policies don’t cover flood damage, Wisconsin homeowners will need to get a separate flood insurance policy, either through a private insurer or the National Flood Insurance Program.
Wisconsin homeowners insurance FAQs
The following information can help answer your remaining questions about Wisconsin homeowners insurance.
How much is home insurance in Wisconsin?
The average annual cost of home insurance in Wisconsin is $1,473 for a policy with $300,000 in dwelling coverage and a $1,000 deductible. How much you pay for coverage ultimately depends on your coverage specifics, home characteristics, ZIP code, and more. If you need additional coverage — like flood insurance in a coastal area — you’ll have to pay another premium.
Which company has the cheapest homeowners insurance in Wisconsin?
American Family has the cheapest homeowners insurance in Wisconsin, with an average premium of $73 per month for a policy with $300,000 in dwelling coverage and a $1,000 deductible.
Does Wisconsin require homeowners insurance?
No. Wisconsin state law doesn’t require homeowners insurance, but your mortgage lender will while you pay off your loan. Even if you don’t need to meet mortgage requirements, you should purchase home insurance to protect your home and personal belongings. Without coverage, you’ll have to pay for expensive home repair costs out of pocket, which can quickly deplete your financial savings.
What are the best home insurance companies in Wisconsin?
With the cheapest average home insurance costs in the state and a high Insurify Quality (IQ) Score of 8.6 out of 10, American Family is the best home insurance company in Wisconsin. The best insurer for you will depend on your coverage needs. For example, Allstate is the best option for customizable coverage, and Rockford Mutual is the best regional insurer.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
Dwelling coverage: $300,000
Deductible: $1,000
Personal property limit: $25,000
Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.
Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.
She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
Emily lives in Milwaukee with her family.
Emily has been a contributor at Insurify since October 2022.
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Rockford Mutual Insurance
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