Best and Cheapest Home Insurance In Wisconsin

On average, your neighbors pay $103 a month.

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Compare Homeowners Insurance in Wisconsin

Wisconsin has significantly lower homeowners insurance rates than other parts of the country. The average cost of homeowners insurance in the state is $1,240 a year, or $495 below the national average of $1,735.

We studied Wisconsin's homeowners insurance market to find the state's best-performing companies, which include Erie, Allstate and USAA. We compared the rates, offerings and customer satisfaction ratings of the top homeowners insurance providers in Wisconsin.

This article will detail:

How much does homeowners insurance cost in Wisconsin?

The average homeowners insurance premium in Wisconsin is $103 a month. The table below shows how Wisconsin's homeowners insurance rates change based on the deductible you choose.

Average cost of homeowners insurance by deductible
Deductible Average annual premium

$500

$1,386

$1,000

$1,240

$1,500

$1,159

$2,000

$1,109

Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Your premium varies depending on your dwelling coverage, which helps repair or rebuild your home's structure.

Average cost of homeowners insurance by dwelling coverage
Dwelling coverage Average annual premium

$200,000

$1,017

$275,000

$1,240

$350,000

$1,485

$425,000

$1,730

$500,000

$1,969

Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest home insurance companies

Before you decide on a homeowners insurance policy, you should compare quotes from multiple insurers. Home insurance premiums may vary significantly among insurers. Below, we look at quotes from seven home insurance companies in Wisconsin.

 

Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Best homeowners insurance companies in Wisconsin

Erie, USAA and Allstate came out on top of our study for best homeowners insurance providers in Wisconsin. Here's why:

Cheapest homeowners insurance rates: Erie

Erie's average homeowners insurance rate is $723 a year, $517 below the average annual premium in the state, making it the cheapest homeowners insurance available in Wisconsin.

Erie is also our top pick for homeowners insurance in Wisconsin because it offers great customer service and some stand-out discounts:

  • If you have auto insurance with Erie, you may be eligible for a bundling discount, which ranges from 16% to 25%.
  • You can also save if you have smoke alarms, a burglary alarm system or an automatic sprinkler system in your home.
  • Another way to save money with Erie is by getting a home insurance quote seven to 60 days before your policy renews.

Along with cheap rates, Erie earned a high score on J.D. Power's 2021 U.S. Home Insurance Study. It scored 835 out of 1,000 for customer satisfaction, which puts it in the top five.

Best for military and their families: USAA

USAA is only available to veterans and military members, as well as their families, but it offers great customer service and affordable rates if you qualify. USAA earned an 882 out of 1,000 on J.D. Power's 2021 U.S. Home Insurance Study, which is a great score. However, USAA is not ranked in J.D. Power's Home Insurance Study because it doesn't meet the survey's criteria.

USAA includes all the protections you would see in most home insurance policies, as well as home sharing coverage and military uniform protection. However, home sharing coverage is not available in every state.

Best discounts: Allstate

Although Allstate has the most expensive average home insurance rate in Wisconsin, at $1,488 a year, Allstate offers many discounts to help bring this rate down.

  • If you switch to Allstate, you could save up to 10% on your home insurance.
  • Allstate's homebuyer discount provides savings if you're a recent homebuyer or if you purchase a newly constructed home.
  • Bundling homeowners insurance with auto insurance can save you up to 25% on your premium.
  • If you switch to Allstate with no recent home claims in your insurance history, you can save up to 20% on your premium.
  • If you sign up for a new policy at least seven days before your current one expires, you can save up to 10% on your home insurance premium.

These are just a handful of the homeowners insurance discounts that Allstate provides. Talk to an Allstate agent to see how low your rate can go.

Wisconsin home insurance rates by city

Homeowners insurance premiums in the largest Wisconsin cities vary somewhat. Appleton has the lowest average homeowners insurance rate of the Wisconsin cities we surveyed, at $1,106 a year. Eau Claire has the highest average rate in the state, at $1,301 a year.

City Average annual premium

Milwaukee

$1,278

Madison

$1,129

Green Bay

$1,130

Kenosha

$1,178

Racine

$1,151

Appleton

$1,106

Waukesha

$1,130

Eau Claire

$1,301

Oshkosh

$1,131

Janesville

$1,204

Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Wisconsin home insurance rates by county

Homeowners insurance rates between Wisconsin's most populated counties do not vary much. Outagamie County has the lowest average homeowners insurance premium in Wisconsin, at $1,120 a year, while Kenosha County has the highest average premium of the counties we surveyed.

County Average annual premium

Milwaukee

$1,228

Dane

$1,140

Waukesha

$1,148

Brown

$1,145

Racine

$1,182

Outagamie

$1,120

Winnebago

$1,133

Kenosha

$1,236

Rock

$1,220

Marathon

$1,193

Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Homeowner perils in Wisconsin

Wisconsin faces a range of weather threats that can severely damage your home. These risks may affect your homeowners insurance rates.

Snowstorms

Heavy snowfall can seriously damage your roof and siding. The excessive cold can also freeze pipes. Homeowners insurance should cover damage if the structure of your home is damaged or pipes burst, but prevention is still preferable. Make sure that your roof and siding are weatherproofed, and let your faucets drip slowly when the temperatures dip low enough to freeze.

Flood

Standard homeowners insurance does not cover flood damage, but you can buy it as additional coverage. The average cost of flood insurance in Wisconsin is $1,028 through FEMA's National Flood Insurance Program (NFIP). NFIP coverage is available primarily through homeowners insurance companies that take part in the program.

Tornado

Tornado damage is usually covered by standard homeowners insurance, but much like damage due to snowstorms, you'll want to prevent the damage from happening as much as possible.

Steps you can take to reduce the damage to your home from a tornado include reinforcing your roof and installing storm doors on your house and garage.

An added bonus? Upgrading your home to prevent tornado damage may qualify you for a homeowners insurance premium discount. Check with your provider to see which discounts they offer.

Methodology

We collected quotes from every ZIP code in Wisconsin for a standard HO-3 homeowners insurance policy. We used the following coverage limits:

  • $275,000 dwelling*
  • $27,500 other structures
  • $137,500 personal property
  • $55,000 loss of use
  • $100,000 liability
  • $5,000 medical payments
  • $1,000 deductible*

*when not stated otherwise

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