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What type of insurance do you need?
On average, homeowners in America pay $1,211 per year for their home insurance coverage. However, in Wisconsin, the average annual premium is significantly lower at just $779 a year.
Homeowners insurance coverage is vitally important because your house is an investment, and hazards like severe weather, accidental fires, and property crimes in this state can cause expensive losses to homeowners who are not insured.
Your home insurance gives you peace of mind knowing that your finances are protected if a disaster strikes in your neighborhood. Whether you are dealing with losses due to a fire, severe weather, or a rash of burglaries, you can be sure that you are covered when you have a suitable Wisconsin homeowners insurance policy.
We can’t be 100% certain, but in 2016, insurance companies paid out more than $585 million in home insurance claims in Wisconsin alone. That's a lot of unfortunate events happening to homeowners in the Badger State!
Insurance companies calculate home insurance costs based on the value of your property and by assessing the chances that something bad will happen to it. The more likely it is that a disaster or other damaging event can impact your house and property, the more expensive your home insurance policy will be.
These potential disasters are called "risks” or “exposures.” Let’s take a look at how risky Wisconsin is compared to the rest of the country.
The burglary rate in Wisconsin is higher than the national average. You will want to be sure to protect your property by keeping doors and windows securely locked, keeping all entryways unobstructed and well-lit, and putting lights on timers when you are out of town.
Frequently, installing a burglar alarm or other security device in your home can earn you discounts on your home insurance costs. Talk to a local independent agent to learn more about this and other potential discounts.
Severe weather, including storms, blizzards, and tornadoes, can wreak havoc on residential properties in this state. Be sure that your home insurance provides all the coverage you need before disaster strikes.
It is important to be aware that although floods pose a real risk in Wisconsin, flood damage is not covered by homeowners insurance. Fortunately, a local independent agent can help you supplement your home coverage with an affordable flood insurance policy through the National Flood Insurance Program (NFIP).
The estimated cost to rebuild your home will play a large role in how much your home insurance costs. In Wisconsin, the average home value is a bit lower than the national average. This helps to keep insurance rates affordable despite the weather risks in this state.
Comparing rates from a few different insurance companies helps you be certain you are getting your coverage at the most competitive price.
There is no such thing as an insurance company that is “best” for everyone. While one homeowner may get the best coverage and price from one company, their neighbor may find that a competing provider offers the best value.
That is why independent agents compare policies and rates from multiple highly rated insurance companies as they search for the policy that is most suitable to meet your coverage and budgetary needs.
Yes! There are currently 366 independent insurance agencies in Wisconsin who are ready to help.
Contact an insurance agent near you to discover the many benefits of working with one of these experienced insurance professionals.
National average burglary rate 4.69 per 1,000 homes
National average home value $188,900
National average home insurance cost $1,173 year
|City||Avg. home value||Burglaries / 1,000 homes||Annual insurance cost|
|Fond du Lac||$148,829||1.82||$633|