Wisconsin Homeowners Insurance

Popular Questions about Wisconsin Home Insurance

Full analysis of claims history, crime rates and weather patterns in your city and state.

How Much Does Wisconsin Home Insurance Cost?

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 US, 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.

  • Pays for repairs to your home and belongings
    • A tree falls on your house, and rain ruins your 60" Samsung TV.
  • Pays for someone else's injuries or property damage when it's your fault
    • Your kid is playing baseball and accidentally smacks the ball through your neighbor's window.
  • Pays for temporary living expenses when your home is damaged
    • 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?

  1. Wind and hail damage
  2. Water damage and freezing
  3. Property damage
  4. Theft
  5. Fire and lightning damage 

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

Theft is the fourth most common homeowners claim in Wisconsin.

  • Theft rate in Wisconsin:  15.48 thefts per 1,000 residents
  • Theft rate in the US:  10.35 thefts per 1,000 residents

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 hailstorms: 109
  • Number of damaging windstorms: 195
  • Number of flood insurance claims:  29

Find the Best Insurance in Your City

All monthly home insurance averages for Wisconsin cities were quoted for the following persona: a 46-year-old 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

Average cost of Milwaukee home insurance per month: $86

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:

  • Theft or burglary: Average cost per claim - $1,606
  • Water damage: Average cost per claim - $8,028
  • Physical damage: Average cost per claim - $3,282
  • Freezing water or pipes: Average cost per claim - $6,569

Madison

Average cost of Madison home insurance per month: $75

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, and the crime in your area.

Common homeowners claims in Madison:

  • Wind damage: Average cost per claim - $6,454
  • Hail damage: Average cost per claim - $9,015
  • Water damage: Average cost per claim - $5,186
  • Physical damage: Average cost per claim - $3,652
  • Theft or burglary: Average cost per claim - $1,830

Green Bay

Average cost of Green Bay homeowners insurance per month: $82

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, and the crime in your area.

Common homeowners claims in Green Bay:

  • Theft or burglary: Average cost per claim - $1,606
  • Water damage: Average cost per claim - $8,028
  • Physical damage: Average cost per claim - $3,282
  • Freezing water or pipes: Average cost per claim - $6,569

Kenosha

Average cost of Kenosha homeowners insurance per month: $68

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, and the crime in your area.

Common homeowners claims in Kenosha:

  • Theft or burglary: Average cost per claim - $2,445
  • Wind damage: Average cost per claim - $5,796
  • Fire damage: Average cost per claim - $16,575
  • Freezing water or pipes: Average cost per claim - $5,844
  • Liability: Average cost per claim - $400

Racine

Average cost of Racine homeowners insurance per month: $62

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:

  • Watercraft damage: Average cost per claim - $3,092
  • Wind damage: Average cost per claim - $2,610
  • Theft or burglary: Average cost per claim - $2,308
  • Damage to property of others: Average cost per claim - $2,045

Now, who's ready to get their insurance problems solved?