Wisconsin Homeowners Insurance Quotes (2024)

Amica Mutual and American Family offer some of the best homeowners insurance policies in Wisconsin.

John Egan
Written byJohn Egan
John Egan
John Egan
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  • Contributor to top brands like USA Today

John specializes in insurance, personal finance, real estate, and health and wellness. In 2022, he authored a guide on content marketing for beginners.

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Ashley Cox
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Andrew Huang
Data reviewed byAndrew Huang
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Andrew HuangVice President, Performance Marketing
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Updated April 11, 2023

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In Wisconsin, the average cost of homeowners insurance is $127 per month, Insurify data shows, with Amica Mutual and American Family among the best home insurance companies in the state.

State law in Wisconsin doesn’t require a homeowner to buy home insurance. But if you have a loan on your house, the mortgage lender will probably require you to carry home insurance. If you’re shopping for home insurance in Wisconsin, be aware that your area may be prone to natural disasters such as snowstorms, ice storms, tornadoes, floods, and wildfires.

Best home insurance companies in Wisconsin

A number of top-notch home insurers serve homeowners in Wisconsin. Ultimately, though, the best home insurance company depends on your unique needs.

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Best large insurer: Nationwide

Nationwide traces its roots back to 1926. In 2022, the Ohio-based insurer posted sales of $57 billion and paid nearly $19 million in claims and benefits. In J.D. Power’s 2022 U.S. Home Insurance Study, Nationwide achieved a customer satisfaction score of 816 out of 1,000 points — just two spots below the overall average.[1]

The average cost of home insurance for Nationwide in Wisconsin is $106 a month, which is below the state average of $127.

Pros
  • Above-average score (884 out of 1,000) in J.D. Power’s 2023 U.S. Property Claims Satisfaction Study[2]

  • A+ (Superior) financial strength rating from A.M. Best

  • Average home insurance premium cost is below state average

Cons
  • One of the lowest scores (667 out of 1,000) in J.D. Power’s 2022 U.S. Insurance Digital Experience Study[3]

  • Slightly below-average score in J.D. Power’s 2022 U.S. Home Insurance Study

  • No ability to cancel policy online

Best insurers for cheap rates: Integrity and Stillwater

At $69 a month, Integrity and Stillwater tie for the cheapest average rate for home insurance in Wisconsin.

Integrity offers home insurance through a network of insurance agents in three states: Iowa, Minnesota, and Wisconsin. Founded in 1933, Integrity is partnered with Ohio-based Grange Insurance.

Integrity pros and cons

Pros
  • 90 years in business as of 2023

  • A (Excellent) rating from A.M. Best

  • More than $3 billion in assets at end of 2022

Cons
  • Relatively small size compared with some competitors

  • Coverage available in only three states

  • Can only purchase coverage through an independent agent

Florida-based Stillwater Insurance Group launched in 2000 as Fidelity National Property and Casualty Insurance Group. In addition to standard home insurance coverage, it offers a variety of additional coverage options, such as animal liability and water backup coverage.

Stillwater pros and cons

Pros
  • A+ rating from Better Business Bureau

  • A- (Excellent) rating from A.M. Best

  • Offers coverage in all 50 states

Cons
  • Fewer years in business than many competitors

  • Poor online reviews from some consumers

  • No J.D. Power ratings

Best for winter storm coverage: The Hartford

In the winter, it’s not uncommon for many parts of Wisconsin to get several feet of snow. However, snow itself isn’t the only wintertime concern for Wisconsin homeowners.

Snow buildup can create an ice dam on your roof as melting snow turns into ice. The dam may prevent proper water drainage, allowing water to seep below the roof’s surface and into a home, damaging walls, ceilings, and other interior elements. Most standard home insurance policies cover damage from ice dams.

If you’re in the market for insurance in Wisconsin that provides wintertime protection, you might consider The Hartford, which receives high marks for customer satisfaction.

Launched in 1810 as a fire insurance company, the Connecticut-based insurer posted more than $6 billion in revenue in 2022. The company earned a third-ranked score of 839 out of 1,000 points in the J.D. Power U.S. Home Insurance Study.

Pros
  • Fourth-place ranking in J.D. Power’s 2023 U.S. Property Claims Satisfaction Study, with a score of 883 out of 1,000

  • A- (Excellent) financial strength rating from A.M. Best

  • Low number of customer complaints based on National Association of Insurance Commissioners (NAIC) data

Cons
  • Lowest score (662 out of 1,000) in J.D. Power’s U.S. Insurance Digital Experience Study

  • AARP membership required in most states to obtain coverage

  • No Better Business Bureau accreditation

Check Out: Strategies for Ice Dam Removal

Best insurer for high-value homes: Chubb

In Wisconsin, Chubb is an insurer worth exploring if you’re seeking coverage for a high-value home. Specialties at Chubb, whose U.S. headquarters is in Whitehouse Station, New Jersey, include coverage of high-value homes. It earned a fifth-place ranking in the J.D. Power 2023 U.S. Property Claims Satisfaction Study, with a score of 880 out of 1,000 points.

Pros
  • Chubb Masterpiece insurance program designed for owners of high-value homes and valuables like jewelry, artwork, and wine

  • Generous repair and replacement coverage

  • Complimentary HomeScan technology for early detection of structural issues

Cons
  • Lower-than-average score (809 out of 1,000) in J.D. Power’s 2022 U.S. Home Insurance Study

  • No Better Business Bureau accreditation

  • No ability to get a quote online

Best regional insurance company: American Family

American Family, based in Madison, Wisconsin, sells home insurance and other types of coverage primarily through agents in 19 states. Founded in 1927, the company reported nearly $36.1 billion in assets in 2022 and revenue of more than $14.4 billion. American Family earned a second-ranked score of 842 out of 1,000 in the J.D. Power 2022 U.S. Home Insurance Study.

Pros
  • Above-average score (875 out of 1,000) in J.D. Power’s 2023 U.S Property Claims Satisfaction Study

  • A (Excellent) financial strength rating from A.M. Best

  • Below-average number of customer complaints based on NAIC data

Cons
  • Slightly below-average rating in J.D. Power’s 2022 U.S. Insurance Digital Experience Study (702 out of 1,000)

  • Coverage available in only 19 states

  • No Better Business Bureau accreditation

Methodology

Insurify’s team of data scientists analyze millions of home insurance quotes and weigh publicly available reviews, claims payout rates, complaint indexes, financial strength scores, company reputations, and proprietary quoting data. Our editorial team applies this insight to inform our unbiased reviews and recommendations.

How much is homeowners insurance in Wisconsin?

Several factors influence how much you pay for home insurance in Wisconsin, including the location of your home and the types of coverage you choose. With that in mind, your cost may be above or below the state’s average monthly quote of $127.

How your policy choices affect home insurance rates in Wisconsin

The type of policy you purchase carries a great impact when it comes to home insurance rates in Wisconsin. Generally, three types of policies are available in the Badger State: HO-2, HO-3, and HO-8.

Your policy form

The most common types of home insurance policies in Wisconsin are the broad form (HO-2), special form (HO-3), and modified coverage form (HO-8). Comprehensive form (HO-5) policies aren’t often sold, although some homes may be covered under old HO-5 policies.[4]

Each type of policy covers different kinds of perils. A peril is an incident that causes property damage or destruction.

  • An HO-2 policy covers an array of perils, such as fires, lightning strikes, hailstorms, windstorms, theft, vandalism, and falling objects.

  • An HO-3 policy covers your dwelling and detached structures (such as a stand-alone garage) for any perils that aren’t specified in the policy as being excluded. It also covers damage to personal property caused by the perils listed in an HO-2 policy.

  • An HO-8 policy offers coverage for owner-occupied homes that don’t meet requirements for other kinds of policies. HO-8 policies tend to feature more restrictions than other home insurance policies, making them a good option for a home whose value has dropped significantly.

The type of policy you choose influences how much you pay for coverage. Before buying coverage, check which perils the policy does and doesn’t cover.

Your coverage level

The amount of home insurance coverage you have will also affect your premium costs. The table below shows that doubling your amount of dwelling coverage, for example, will result in much higher annual home insurance premiums.

Coverage AmountAverage Annual Quote
$250,000$1,100
$500,000$1,945
Table data sourced from real-time quotes from Insurify’s partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer’s unique profile.

Your deductible

A deductible is the out-of-pocket amount that you must pay before your coverage kicks in. For example, if you have a $1,000 deductible and file a $7,500 claim for roof damage that’s covered by your policy, your claim payout would be $6,500.

Typically, the higher your deductible is, the lower your home insurance premium is.

Keep Reading: How Much to Make Your Homeowners Insurance Deductible

How location affects home insurance rates in Wisconsin

In Wisconsin, as is the case in other states, your location affects your home insurance rates.

For instance, a homeowner in one ZIP code might pay more than someone who owns a similar home in a neighboring ZIP code. Why? Because the average age of homes in the pricier ZIP code may be higher than in the less-pricey ZIP code. Insurers tend to view older homes as being a greater risk than newer homes, and therefore costlier to insure. Other factors that can affect home insurance rates where you live include:

  • Proximity to a fire station: The closer your home is to a fire station, the less it might cost to insure.

  • Crime rate: If you live in a neighborhood with a high crime rate, you might wind up paying more for home insurance than someone in a neighborhood with a low crime rate.

  • Weather: The occurrence of natural disasters in your area can push up your home insurance rates. For example, if you live in a town that’s historically been prone to tornadoes, your home insurance might be higher than it is in a town elsewhere in Wisconsin.

Natural disasters don’t plague Wisconsin the way they do in states like California and Florida, however.

“Wisconsin is kind of a boring state for insurance. We don’t have earthquakes or hurricanes or anything like that,” says Marc Petersen, chairman of Independent Insurance Agents of Wisconsin and president of American Advantage Petersen Group. “We’re more of a consumer-friendly premium state.”

Still, Petersen says that a recent series of hailstorms in Wisconsin helped trigger a roughly 10% to 15% across-the-board increase in home insurance premiums in 2023. Even so, he adds that Wisconsin remains in the top one-third of states in terms of low home insurance premiums.

CityAverage Monthly Quote
Green Bay$108
Janesville$110
Kenosha$116
Eau Claire$120
Appleton$120
Madison$125
Milwaukee$126
Racine$130
Table data sourced from real-time quotes from Insurify’s partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer’s unique profile.

What are the cheapest home insurance companies in Wisconsin?

The three home insurers with the cheapest average monthly quotes for home insurance in Wisconsin are:

  • Integrity

  • Stillwater

  • State Auto

Those quotes are a lot lower than the average statewide quote of $127 per month. A quote you obtain for your home may be higher or lower than these quotes, based on your coverage needs.

Insurance CompanyAverage Monthly Quote
Integrity$69
Stillwater$69
State Auto$70
Travelers$75
Kemper Preferred$91
Nationwide$106
Liberty Mutual$107
Midvale Home & Auto$107
Foremost$141
Hippo$157
Table data sourced from real-time quotes from Insurify’s partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer’s unique profile.

How much homeowners insurance do you need in Wisconsin?

State law in Wisconsin doesn’t require homeowners to purchase home insurance. But if you have a mortgage on your home, your lender will probably require you to buy a home insurance policy because it wants to protect your home — and its investment.

Regardless of whether you’re required to purchase home insurance, if you buy a policy, you should understand what the policy covers and whether the coverage meets your needs.

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What home insurance coverage should you buy in Wisconsin?

In Wisconsin and other states, a standard homeowners policy features several components:[5]

  • Dwelling coverage: This coverage pays to fix or rebuild your home if a fire, hailstorm, windstorm, or another disaster causes damage or destruction. Standard home insurance policies typically don’t cover damage or destruction from a flood or earthquake.

  • Personal belongings: This part of a home insurance policy covers possessions, such as electronics, clothes, and furniture if they’re stolen, damaged, or destroyed. If a disaster is responsible for the loss, it’s covered only if the disaster is listed in your policy.

  • Personal liability protection: This coverage kicks in if someone sues you after being injured on your property in an accident caused by a policyholder or family member. Personal liability protection also applies to damage to someone else’s property or even damage caused by your pet. This portion of your policy covers legal fees, court costs, and court judgments.

  • Additional living expenses: If you’re unable to live in your home while it’s being repaired or replaced after a disaster covered by your policy, the additional living expenses part of your policy may pay some of the costs, such as hotel stays and restaurant meals.

What optional home insurance coverage should you buy in Wisconsin?

In Wisconsin, you may want to consider buying optional home insurance coverage, such as:

  • Flood insurance: Standard home insurance policies normally don’t cover flood damage. But you may be able to purchase separate coverage from the National Flood Insurance Program (NFIP) or a private insurer.

  • Insurance for valuables: In some cases, a standard home insurance policy might not adequately cover valuables such as jewelry, antiques, and artwork. So you may want to explore a scheduled personal property endorsement. Also known as a personal articles floater, this add-on typically offers higher coverage limits than a standard policy does.

  • Umbrella or excess liability coverage: Umbrella or excess liability coverage goes beyond the liability coverage limits included in a standard home insurance policy. It kicks in after you’ve exhausted the regular liability coverage.

  • Water backup coverage: A standard home insurance policy generally doesn’t cover damage from a water backup in your home caused by a backed-up drain, failed sump pump, or clogged sewer line. But you can purchase an add-on, or rider, to help cover water backup damage.

How much home insurance coverage should you have in Wisconsin?

How much home insurance you should maintain in Wisconsin depends on several factors, such as:

  • Natural disasters: Home insurance policies generally cover many, but not all, natural disasters. For example, a standard policy often covers damage from tornadoes and snowstorms. But a typical policy usually doesn’t cover certain natural disasters, such as floods. If you’re in a flood-prone area, you may want to look into optional flood insurance.

  • Replacement cost: Insurers generally require a policyholder to buy coverage that would pay for at least 80% of the home’s replacement cost. But what if that coverage is inadequate? You may want to add what’s known as extended replacement cost coverage. This add-on extends your dwelling coverage by 10% to 50% of the cost to rebuild your home.

  • Crime rate: If you live in an area that’s prone to property crimes, like break-ins, you may want to investigate extra coverage for your personal belongings. The value of your belongings may exceed the coverage limits under your standard policy. To ensure you’ve got sufficient coverage for your possessions, you might consider a rider to bump up the coverage limits for high-value items.

The same home insurance policy won’t work for all homeowners, primarily because every home presents different risks. Whatever coverage you settle on, be sure to obtain quotes from at least three home insurers. This way, you can get the best deal in terms of price and coverage.toc

What are some of the biggest risks when owning a home in Wisconsin?

Some of the biggest risks when owning a home in Wisconsin are:

  • Floods: Standard home insurance policies typically don’t cover flood damage. But you can purchase flood insurance through the National Flood Insurance Program (NFIP) or from a private insurer. The state’s Risk Factor tool shows that 14% of properties in Wisconsin run a 26% chance of being severely affected by flooding over the next 30 years.

  • Tornadoes: Standard home insurance policies typically cover tornado damage. But if you suspect your normal coverage wouldn’t be enough, you might look into extra coverage for your home and belongings. While Wisconsin isn’t in the country’s Tornado Alley, it experiences an average of 23 tornadoes per year.[6]

  • Snowstorms: Generally, standard home insurance policies cover damage caused by fallen trees or branches, along with damage caused by wind. However, water damage triggered by a snowstorm may or may not be covered, depending on the circumstances. While big blizzards aren’t common in Wisconsin, a large slice of the state experiences three to five winter storms per year.[7]

How can you save money on homeowners insurance in Wisconsin?

Here are four common ways to save money on homeowners insurance in Wisconsin.

Bundle home and auto insurance

If you bundle your home and auto insurance, meaning you buy both policies from the same company, you can typically score a discount on your premiums. A bundling discount may range from 5% to 25%, depending on the insurer.

Explore discounts

Aside from a bundling discount, you may qualify for other discounts. These may include discounts for improving your home security or remaining with the same insurance company for a certain period of time.

Raise your deductible

Raising your deductible can reduce your home insurance premium. For example, if you increase the deductible from $500 to $1,000, you should see your premium go down. Just make sure to set your deductible to an amount you can afford to pay out of pocket if you need to file a claim.

Comparison shop

The Insurance Information Institute recommends obtaining home insurance quotes from at least three insurers. This allows you to shop for the best coverage at the best price.

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Average home replacement cost in Wisconsin

Replacement cost refers to the amount it would cost at current prices for construction materials to rebuild your home. By contrast, actual cash value refers to the amount it would cost to rebuild your home, minus the depreciated value due to your home’s age or wear and tear.

In Wisconsin, the average cost to rebuild a home is $378,006, Insurify data shows. As you shop for home insurance, be sure to consider whether you need coverage for replacement cost or actual cash value.

CityAverage Home Value
Appleton$336,135
Eau Claire$308,774
Green Bay$280,476
Janesville$261,558
Kenosha$299,835
Madison$306,014
Milwaukee$309,608
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Wisconsin home insurance FAQs

Here are answers to some commonly asked questions about home insurance in Wisconsin.

  • How much is home insurance a month in Wisconsin?

    The average home insurance quote in Wisconsin is $127 a month. Your insurance may cost more or less, depending on factors such as where you live, what type of coverage you choose, and whether you add optional coverage.

  • Is homeowners insurance expensive in Wisconsin?

    The average home insurance quote in Wisconsin of $127 a month is $100 below the national average of $227 a month. Three potential reasons that the Wisconsin average is less than the national average are a lower likelihood of natural disasters, a lower population density, and lower costs of construction materials and labor than in other states.

  • What are the three main types of homeowners insurance?

    The three main types of homeowners insurance are:

    • Actual cash value: This covers the cost of repairing or replacing your home, decreased by depreciation due to age as well as wear and tear.

    • Replacement cost: This covers the cost of repairing or replacing your home based on today’s costs, without any depreciation.

    • Extended replacement cost: This is an add-on that increases your policy’s dwelling coverage by 10% to 50% of how much it would cost to return your home to its pre-disaster condition.

  • Does Wisconsin require homeowners insurance?

    State law in Wisconsin doesn’t require a homeowner to buy home insurance. But if you have a mortgage, your lender may insist that you purchase coverage. Even if you aren’t required to buy home insurance, you should consider getting coverage to protect your home and personal belongings. Home insurance can also protect your finances if you’re sued over an accident that happens on your property.

  • What are the three biggest factors in determining the cost for home insurance?

    Three of the biggest factors in determining the cost of your home insurance are the location of your home, the cost to rebuild your home, and the level of coverage you choose. Tacking on extra coverage or raising policy limits can add to the cost of your home insurance.

Sources

  1. J.D. Power. "2022 U.S. Home Insurance Study."
  2. J.D. Power. "2023 U.S. Property Claims Satisfaction Study."
  3. J.D. Power. "2022 U.S. Insurance Digital Experience Study."
  4. Wisconsin Office of the Commissioner of Insurance. "Consumer’s Guide to Homeowners Insurance."
  5. Insurance Information Institute. "Homeowners Insurance Basics."
  6. Wisconsin Department of Health Services. "Climate and Health: Severe Storm Safety."
  7. ReadyWisconsin. "Winter Storms."
John Egan
John Egan

John Egan is a freelance writer and content marketing strategist in Austin, Texas. His specialties include personal finance, real estate, and health and wellness. John’s work has been published by outlets such as CreditCard.com, Bankrate, Forbes Advisor, Experian, Capital One, The Balance and U.S. News & World Report. He is the author of The Stripped-Down Guide to Content Marketing.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Andrew Huang
Data reviewed byAndrew HuangVice President, Performance Marketing
Headshot of Andrew Huang, Directory of Analytics at Insurify
Andrew HuangVice President, Performance Marketing
  • Chartered financial analyst

  • 12+ years in data analysis and marketing

Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.

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