How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAvg. home valueBurglaries / 1,000 ResidentsAnnual insurance cost
Eau Claire$158,5284.24$860
Fond du Lac$148,8291.82$633
Green Bay$160,2942.38$723
La Crosse$167,4635.01$867
West Allis$162,5954.31$851

Popular Questions about Home Insurance in Wisconsin

The average cost of Wisconsin home insurance is $779 per year, cutting the national figure of $1,211 annually almost in half. To save on homeowners coverage, get multiple quotes through top carriers in your area using a trusted adviser.

In Wisconsin, your homeowners policy will cover losses involving fire, theft, vandalism, and natural disasters. These coverages are split among the following limits:

  • Dwelling value
  • Other structures
  • Personal property
  • Personal liability
  • Medical payments
  • Additional living expenses

The state of Wisconsin does not require homeowners to carry insurance. However, if you have a mortgage or lienholder on your property, you'll be required to provide proof of insurance to keep the loan. With Wisconsin having $5.85 billion in home insurance claims in just one year, taking a chance on coverage could mean financial ruin.

Your homeowners coverage will be rated using personal and local risk factors. Carriers look at the following information when calculating your home insurance costs:

  • Replacement cost of property
  • Coverages selected
  • Local crime rate
  • Past claims reported
  • Natural disasters in the area

In Wisconsin, you'll be able to choose which carrier fits your needs for home insurance. Some of the top markets are Stillwater, Travelers, Nationwide, and Progressive. These carriers are known for quick claims service and superior coverage. To find which insurance company suits you the best, consult with a licensed professional.

Yes, Wisconsin currently has 366 independent insurance agencies ready to help with your home coverage. Each one works with multiple markets, giving you the best options for policy and premium in town. They'll even do the shopping for free, making it super-simple.

Do You Know What Your Wisconsin Home Insurance Covers?

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