Popular Questions About Wisconsin Home Insurance

How Much Does Wisconsin Home Insurance Cost?

bar graph showing national vs wisconsin homeowners insurance average

The national yearly premium average for homeowners insurance is $1,034, but the Wisconsin yearly premium average is $631. Wisconsin has the 48th most expensive premium in the U.S., meaning it's cheaper than most.

What Does My Wisconsin Home Insurance Do for Me?

Think of homeowners insurance as your financial backup plan for when bad things happen to your home unexpectedly.

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Pays for repairs to my home and my belongings

Example: a tree falls on your house, and rain ruins your 60" Samsung TV

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Pays for someone else's injuries or property damage when it's your fault

Example: your kid is playing baseball and accidentally smacks the ball through your neighbor's window.

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Pays for temporary living expenses when your home is damaged

Example: you need a hotel while your house's roof is being repaired due to a fallen tree

What Are the Top 5 Wisconsin Home Insurance Claims?

2
Wind & Hail Damage
2
Water Damage & Freezing
3
Property Damage
1
Theft
2
Fire & Lightning Damage 
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$685,792,000

Spent by insurance companies on homeowners claims in Wisconsin in 2015.

(That's a lot of unfortunate events happening to Wisconsin homeowners.)

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How Is My Wisconsin Homeowners Insurance Calculated?

Insurance carriers calculate the cost of a home insurance policy by asking "how likely is it that something bad will happen?" The more likely it is that something bad will happen, the more expensive the home insurance policy will be, and vice versa. We call these potential disasters "risk."

Below are two examples of risk facing the state of Wisconsin.

Crime

Crime

Theft is the fourth most common homeowners claim in Wisconsin.

  • Theft rate in Wisconsin:  15.48 thefts per 1,000 residents
  • Theft rate in United States:  10.35 thefts per 1,000 residents
weather

Weather

Winter weather in Wisconsin can be especially disastrous for homeowners. Think extreme cold, frozen pipes, melting snow that floods, hail and more.

  • Number of tornadoes: 20
  • Number of large hail storms: 109
  • Number of damaging wind storms: 195
  • Number of flood insurance claims:  29

Top Insurance Companies in State

An independent agent compares policies from multiple companies to find you the best coverage for your needs and budget.

travelers
selective
safeco
wilson

Find the Best Wisconsin Homeowners Insurance Today

Unlike a specific carrier or an agent who works for a specific company, an independent agent can quote with multiple companies to make sure you receive the best coverage for your needs.

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376

Agents in Wisconsin are ready to help.

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12,155

Wisconsin residents have already been helped by one of our agents.

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Find the Best Insurance in Your City

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All monthly home insurance averages for Wisconsin cities were quoted with the following persona: a 46-year-old man living with his partner in a 20-year-old, 2,000 square foot primary residence that's one story, has a 10-year-old roof, frame construction, no fireplace, no sprinkler system and no losses in the past five years.

Milwaukee

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$86

PER MONTH

Avg. Cost of Milwaukee Home Insurance

The safety of your neighborhood is an important factor in calculating the cost of your homeowners insurance. Property crime in Milwaukee is higher than the national average, which could increase your premium.

Common Homeowners Claims in Milwaukee

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theft
Theft or Burglary
$1,606
average cost per claim
ice
Water Damage
$8,028
average cost per claim
wind
Physical Damage
$3,282
average cost per claim
ice
Freezing Water or Pipes
$6,569
average cost per claim
physical damage
Mysterious Disappearance
$2,650
average cost per claim

Find the Best Milwaukee Home Insurance

Unlike a specific carrier or an agent who works for a specific company, an independent agent has the freedom to quote multiple companies. Your agent will make sure you receive the best home insurance for your needs.

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14

Agents in Milwaukee are ready to help.

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278

Milwaukee residents have already been helped by one of our agents.

See what others are saying about our Milwaukee agents …

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Great group of people! They have been saving me money for years. They search for the best fit (pricing, services, bundling, etc) and let you know your options. I always recommend them when people ask about saving money on insurance.

T.Z., Yelp Review

When I purchased my first car, I called around and searched on the internet to try and find the best deal. I wasn't particularly happy with the results, so I called my dad. He said, "Why didn't you call [my agent]?" It never occurred to me that a local broker would be able to save me money - but [this independent agent] did.

Jimmy L., Yelp Review
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Madison

$75

PER MONTH

Avg. Madison Homeowners Cost  

Your home insurance could be less or more, depending on factors like the size of your house, your credit score, your house's building materials, the crime in your area, etc.

Common Homeowners Claims in Madison

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wind
Wind Damage
$6,454
average cost per claim
wind
Hail Damage
$9,015
average cost per claim
ice
Water Damage
$5,186
average cost per claim
wind
Physical Damage
$3,652
average cost per claim
theft
Theft or Burglary
$1,830
average cost per claim

Find the Best Madison Home Insurance

Unlike a specific carrier or an agent who works for a specific company, an independent agent has the freedom to quote multiple companies. Your agent will make sure you receive the best home insurance for your needs.

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16

Agents in Madison are ready to help.

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200

Madison residents have already been helped by one of our agents.

See what others are saying about our Madison agents …

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I've been with my independent agent for over 15 years! The personal service and instant access to anyone you need in the office is a plus. I have never called my agent and had to wait for an answer. There is always someone available to talk to. Since my agent is independent, they can choose from all the brands out there to find the best fit for you!

Joshua Duggan, Google Review

I have worked with my independent agent and his staff for almost five years now and have nothing but good things to say. They have always provided me with excellent service and are always prompt with any questions I have. One nice service they provide is they automatically check every year to make sure I am getting the best rate possible. I recommend them to all my friends and family.

Brandon P., Google Review
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Green Bay

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$82

PER MONTH

Avg. Green Bay Homeowners Cost

Your home insurance could be less or more, depending on factors like the size of your house, your credit score, your house's building materials, the crime in your area, etc.

Common Homeowners Claims in Green Bay

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theft
Theft or Burglary
$1,606
average cost per claim
ice
Water Damage
$8,028
average cost per claim
wind
Physical Damage
$3,282
average cost per claim
wind
Freezing Water or Pipes
$6,569
average cost per claim
physical damage
Mysterious Disappearance
$2,650
average cost per claim

Find the Best Green Bay Home Insurance

Unlike a specific carrier or an agent who works for a specific company, an independent agent has the freedom to quote multiple companies. Your agent will make sure you receive the best home insurance for your needs.

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9

Agents in Green Bay are ready to help.

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64

Green Bay residents have already been helped by one of our agents.

See what others are saying about our Green Bay agents …

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We've been with our independent agent for a long time and he is the best. You are not just a number. They all care about you and your family. I wouldn't trust anyone else with my insurance.

Hope L., Google Review

My independent agent is AWESOME! Every time I have to call they get back to me right away and make things so easy. I never have to worry about a thing!

Jodi C. , Google Review
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Kenosha

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$68

PER MONTH

Avg. Kenosha Homeowners Cost

Your home insurance could be less or more, depending on factors like the size of your house, your credit score, your house's building materials, the crime in your area, etc.

Common Homeowners Claims in Kenosha

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theft
Theft or Burglary
$2,445
average cost per claim
wind
Wind Damage
$5,796
average cost per claim
fire
Fire Damage
$16,575
average cost per claim
ice
Freezing Water or Pipes
$5,844
average cost per claim
house with burglar in front breaking in
Liability
$400
average cost per claim

Find the Best Kenosha Home Insurance

Unlike a specific carrier or an agent who works for a specific company, an independent agent has the freedom to quote multiple companies. Your agent will make sure you receive the best home insurance for your needs.

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6

Agents in Kenosha are ready to help.

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39

Kenosha residents have already been helped by one of our agents.

See what others are saying about our Kenosha agents …

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Our family has been a customer of our independent agency for over 10 years. I have done some "comparison shopping" for our multiple insurance needs and have found our independent agent to be quite competitive and reasonable in the insurance market. We have our home, car and business insurance through them - and more recently have acquired our HEALTH insurance through them. The owners are experts in their field as is every member of their staff. Each is a pleasure to do business with and most importantly, they KNOW and understand OUR insurance needs.

Brenda Z., Google Review

My independent insurance agent is very professional and knowledgeable. She is super quick on taking care of business. As a transportation carrier, oftentimes I need some insurance form sent to direct customers or brokers. My agent gets it done asap. They're always friendly and cheerful.

Chet U., Google Review
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Racine

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$62

PER MONTH

Avg. Racine Homeowners Cost

Your home insurance could be less or more, depending on factors like the size of your house, your credit score, your house's building materials, the crime in your area, etc.

Common Homeowners Claims in Racine

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theft
Watercraft Damage
$3,092
average cost per claim
physical damage
Mysterious Disappearance
$4,414
average cost per claim
wind
Wind Damage
$2,610
average cost per claim
theft
Theft or Burglary
$2,308
average cost per claim
physical damage
Damage to Property of Others
$2,045
average cost per claim

Find the Best Racine Home Insurance

Unlike a specific carrier or an agent who works for a specific company, an independent agent has the freedom to quote multiple companies. Your agent will make sure you receive the best home insurance for your needs.

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6

Agents in Racine are ready to help.

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43

Racine residents have already been helped by one of our agents.

See what others are saying about our Racine agents …

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I dig the people at my independent agency. You need knowledgeable and honest advice. You don't need to look around. They have saved me and friends hundreds of dollars through their knowledge and expertise. I want someone on my team like these guys. Our friends in the insurance business.

Patrick V., Google Review

I have been using my independent insurance agent for many years now & have been very happy with the great customer service & products they provide. Always very prompt & helpful.

Durand Automotive Center, Google Review
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Appleton

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$65

PER MONTH

Avg. Appleton Homeowners Cost

Your home insurance could be less or more, depending on factors like the size of your house, your credit score, your house's building materials, the crime in your area, etc.

Common Homeowners Claims in Appleton

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hail
Wind Damage
$4,608
average cost per claim
ice
Water Damage
$4,888
average cost per claim
wind
Hail Damage
$6,875
average cost per claim
hail
Physical Damage
$1,871
average cost per claim
theft
Theft or Burglary
$1,928
average cost per claim

Find the Best Appleton Home Insurance

Unlike a specific carrier or an agent who works for a specific company, an independent agent has the freedom to quote multiple companies. Your agent will make sure you receive the best home insurance for your needs.

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10

Agents in Appleton are ready to help.

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37

Appleton residents have already been helped by one of our agents.

See what others are saying about our Appleton agents …

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My independent insurance agent is great. She has handled my parent's [insurance] for years and when I branched out on my own she gladly and smoothly transitioned me to on my own. I trust her with all of my insurance needs and she is thorough in explaining everything to me at a level I can understand. Highly recommend.

Dana V., Google Review

Can't remember how long we have been with our independent agency but know we are very pleased with the service and friendliness of their staff. Keep up the good work.

Joan F., Google Review
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Waukesha

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$79

PER MONTH

Avg. Waukesha Homeowners Cost

Your home insurance could be less or more, depending on factors like the size of your house, your credit score, your house's building materials, the crime in your area, etc.

Common Homeowners Claims in Waukesha

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hail
Wind Damage
$4,097
average cost per claim
ice
Water Damage
$5,979
average cost per claim
wind
Hail Damage
$9,129
average cost per claim
hail
Physical Damage
$2,782
average cost per claim
theft
Theft or Burglary
$2,029
average cost per claim

Find the Best Waukesha Home Insurance

Unlike a specific carrier or an agent who works for a specific company, an independent agent has the freedom to quote multiple companies. Your agent will make sure you receive the best home insurance for your needs.

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9

Agents in Waukesha are ready to help.

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110

Waukesha residents have already been helped by one of our agents.

See what others are saying about our Waukesha agents …

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Our independent insurance agent provides the most personalized service in the industry. You want your business, home, apartment, auto, etc. insurance with them. We can always reach them at any time! Thank you for your service!

Sean J., Google Review

Our independent agents are both so personable and very responsive to email and call inquiries. They have worked with our family for years and we have been thrilled with their service.

Sandie J., Google Review
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Oshkosh

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$61

PER MONTH

Avg. Oshkosh Homeowners Cost

Your home insurance could be less or more, depending on factors like the size of your house, your credit score, your house's building materials, the crime in your area, etc.

Common Homeowners Claims in Oshkosh

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water
Water Damage
$5,371
average cost per claim
wind
Wind Damage
$3,213
average cost per claim
wind
Physical Damage
$2,845
average cost per claim
theft
Theft or Burglary
$1,682
average cost per claim
fire
Fire Damage
$47,832
average cost per claim

Find the Best Oshkosh Home Insurance

Unlike a specific carrier or an agent who works for a specific company, an independent agent has the freedom to quote multiple companies. Your agent will make sure you receive the best home insurance for your needs.

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3

Agents in Oshkosh are ready to help.

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37

Oshkosh residents have already been helped by one of our agents.

See what others are saying about our Oshkosh agents …

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My independent agent offers excellent personalized, and customer-focused services. He took the time to understand what our needs were and helped us to meet them for the best price. He saved us $300 over our previous policy and was able to get us better coverage. Great company – thank you! A+

Oshkosh Resident, Online Review

My independent agent saved me more than $700 a year with my home/car insurance! He always seems to find the best deals on insurance. I highly recommend.

Oshkosh Resident, Online Review
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Eau Claire

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$76

PER MONTH

Avg. Eau Claire Homeowners Cost

Your home insurance could be less or more, depending on factors like the size of your house, your credit score, your house's building materials, the crime in your area, etc.

Common Homeowners Claims in Eau Claire

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hail
Wind Damage
$3,694
average cost per claim
ice
Water Damage
$6,221
average cost per claim
theft
Theft or Burglary
$2,313
average cost per claim
hail
Physical Damage
$3,421
average cost per claim
physical damage
Lightning
$1,922
average cost per claim

Find the Best Eau Claire Home Insurance

Unlike a specific carrier or an agent who works for a specific company, an independent agent has the freedom to quote multiple companies. Your agent will make sure you receive the best home insurance for your needs.

10

Agents in Eau Claire are ready to help.

63

Eau Claire residents have already been helped by one of our agents.

See what others are saying about our Eau Claire agents …

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I have had the pleasure of dealing with many professional people and there are only a few that make a lasting first impression. I would highly recommend my independent agent to anyone in need of insurance knowing that they will come to the same conclusion: here is a professional that has your best interest in mind and will provide you with excellent service. I look forward to doing business with my agent for a very long time.

Par H., Yelp Review

My independent agent is exceptional at what he does. He leverages his experience as a business owner to go above and beyond the call of duty with all of his clients. I would recommend my agent to anybody who is looking for insurance. You will not find a better person to deal with.

Lucas L., Yelp Review
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Janesville

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$73

PER MONTH

Avg. Janesville Homeowners Cost

Your home insurance could be less or more, depending on factors like the size of your house, your credit score, your house's building materials, the crime in your area, etc.

Common Homeowners Claims in Janesville

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wind
Wind Damage
$3,574
average cost per claim
theft
Theft or Burglary
$1,780
average cost per claim
water
Water Damage
$8,028
average cost per claim
wind
Physical Damage
$2,902
average cost per claim
wind
Freezing Water or Pipes
$4,627
average cost per claim

Find the Best Janesville Home Insurance

Unlike a specific carrier or an agent who works for a specific company, an independent agent has the freedom to quote multiple companies. Your agent will make sure you receive the best home insurance for your needs.

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2

Agents in Janesville are ready to help.

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24

Janesville residents have already been helped by one of our agents.

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How Much Does Home Insurance Cost
by Wisconsin City?
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Milwaukee
$1,032 per year


Madison
$905 per year


Green Bay
$980 per year


Kenosha
$818 per year


Racine
$746 per year


Appleton
$785 per year


Waukesha
$944 per year


Oshkosh
$735 per year


Eau Claire
$913 per year


Janesville
$880 per year


West Allis
$904 per year


La Crosse
$872 per year


Sheboygan
$763 per year


Wauwatosa
$1,187 per year


Fond du Lac
$721 per year

New Berlin
$1,018 per year


Wausau
$844 per year


Brookfield
$1,181 per year


Beloit
$648 per year


Greenfield
$1,011 per year


Menomonee Falls
$1,074 per year


Franklin
$1,091 per year


Oak Creek
$1,022 per year


Manitowoc
$742 per year


West Bend
$866 per year


Sun Prairie
$1,017 per year


Superior
$801 per year


Stevens Point
$843 per year


Mount Pleasant
$898 per year


Neenah
$778 per year


Fitchburg
$1,165 per year