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?

Find the Best Homeowners Insurance in Your City

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
  1. $74
  2. Milwaukee, WI Monthly average home insurance cost
  3. The average monthly cost of home insurance in Milwaukee is $74.
  4. Your homeowners insurance is completely customized according to the value of your home and property and other considerations like weather risks and crime rates in your neighborhood. You can therefore expect your monthly premium to be greater or lower than this average. It costs more to insure homes in the Downer Woods neighborhood, where houses are large and highly valued, than in Golden Valley, where homes are more affordable.
  5. With more than 3,500 burglaries reported every year, Milwaukee has one of the highest property crime rates in the state. It is therefore important that you take precautions like using deadbolt locks and home security systems to help protect your home. Fortunately, your Milwaukee homeowners insurance can compensate you for your losses if you are the victim of a property crime like theft or vandalism. 

  1. $83
  2. Madison, WI Monthly average home insurance cost
  3. The average monthly cost of home insurance in Madison is $83.
  4. Home insurance rates can vary from one homeowner to the next, especially in a large city like Madison. Your rate will be based on factors like the size, value, and location of your home, the age of your roof, the materials used in your home’s construction, and sometimes even your credit score.
  5. Some of the most expensive hazards faced by homeowners in Madison are severe weather events like tornadoes. The rate of tornado activity in the Madison area is 72% greater than the national rate. A tornado can seriously damage or destroy your house if it is in its path. Fortunately, your homeowners insurance can help you repair and replace your home and belongings, and can even help you pay for a hotel if you are temporarily displaced while your home is being repaired. 

  1. $60
  2. Green Bay, WI Monthly average home insurance cost
  3. The average monthly cost of home insurance in Green Bay is $60.
  4. Not all Green Bay homeowners will pay the same amount for their home insurance. Your monthly rate is based on several considerations, such as the crime rate in your ZIP code, the size of your home, the building materials used in your home’s construction, your claims history, the amount of your deductible, and more.
  5. Many homeowners in Green Bay have a significant risk of sustaining flood damage. This risk isn’t limited to those who are situated near the Fox River and Lake Michigan. When heavy rains fall, the ground can become saturated and drainage systems can become overwhelmed, leading to flash flooding throughout the city. However, it is important to bear in mind that homeowners insurance does not cover flood damage. 

  1. $63
  2. Kenosha, WI Monthly average home insurance cost
  3. The average monthly cost of home insurance in Kenosha is $63.
  4. Your house and property coverage needs are not the same as your neighbor’s. While everyone in your neighborhood has the same crime and weather risks influencing their rates, your homeowners insurance premium can also be based on factors like the size, age and value of your home, the type of roof you have and when it was last replaced, your claims history, the number of people in your household, and potentially even your credit score. Your monthly rate for Kenosha homeowners insurance may therefore be higher or lower than this average.
  5. Residential fires present one of the most devastating risks to homeowners. In addition to severely damaging your house, a fire can lead to a total loss of your personal belongings, including clothing, furniture, and electronics. That is why it is important for your dwelling coverage to be high enough to enable you to rebuild your home and that you have sufficient contents coverage to let you replace your lost or damaged property without enduring a large financial loss. 

  1. $58
  2. Racine, WI Monthly average home insurance cost
  3. The average monthly cost of home insurance in Racine is $58.
  4. Of course, what you may actually be expected to pay can differ significantly from this average price. This is because costs are based on the value of your property and the specific risks associated with it. Some of the factors that can influence your premium amount include the age and size of your house, the crime rate and weather risks in your ZIP code, the materials used in your home’s construction, and your claims history. 
  5. Winter storms can be a problem in Racine. Heavy snows can damage roofs, ice dams can destroy gutters, and freezing temperatures can cause water pipes to burst, which can result in extremely expensive damage in your home. Racine homeowners insurance can give you peace of mind in knowing that your winter-damaged home can be returned to normal without causing you a large personal expense.