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Best homeowners insurance companies in  Wisconsin for 2024

Updated Jun 01, 2024
The best Wisconsin home insurance companies are Chubb, State Farm, Auto-Owners, Erie and West Bend, according to Bankrate’s analysis.
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Compare the best homeowners insurance companies in Wisconsin

Bankrate determined the best home insurance companies in Wisconsin using average premiums gathered from Quadrant Information Services, third-party ratings from AM Best and the 2023 J.D. Power U.S. Home Insurance Study. We also analyzed each provider’s coverage offerings, digital tools and availability. The table below showcases how each insurer performs across these categories in the form of a Bankrate Score out of 5 total points, where the higher a company scored, the better it performed overall. Homeowners seeking coverage in the state may want to start their search with Chubb, State Farm, Auto-Owners, Erie and West Bend.

Insurance company J.D. Power Average monthly premium Average annual premium
829
/1,000
$92
$1,107
801
/1,000
$121
$1,450
856
/1,000
N/A
N/A
834
/1,000
$120
$1,442
West Bend
Not rated
$67
$798
*Based on $300K in dwelling coverage

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Bankrate's trusted insurance industry expertise

Read our full methodology

The home insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers information they need to make educated decisions when shopping for home insurance.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

The top 5 home insurance companies in Wisconsin

Best for customer satisfaction

State Farm

4.2

Rating: 4.2 stars out of 5

Avg. premium for $300K dwelling

$92/mo

Avg. premium for $300K dwelling

$1,107/yr

Customer satisfaction

829/1,000

Best for robust coverage

Chubb

4.3

Rating: 4.3 stars out of 5

Avg. premium for $300K dwelling

$121/mo

Avg. premium for $300K dwelling

$1,450/yr

Customer satisfaction

801/1,000

Best for guaranteed replacement cost coverage

Erie

4.4

Rating: 4.4 stars out of 5

Avg. premium for $300K dwelling

Not available

Avg. premium for $300K dwelling

Not available

Customer satisfaction

856/1,000

Best for discount opportunities

Auto-Owners

4.6

Rating: 4.6 stars out of 5

Avg. premium for $300K dwelling

$120/mo

Avg. premium for $300K dwelling

$1,442/yr

Customer satisfaction

834/1,000

Best for coverage on a budget

Avg. premium for $300K dwelling

$67/mo

Avg. premium for $300K dwelling

$798/yr

Customer satisfaction

Not rated

Additional Wisconsin home insurance companies to consider

Allstate

Allstate

Who this may be best for

Homeowners wanting diverse policy options

Allstate tied with USAA for the 2024 Bankrate Award for Best Homeowners Insurance Company Overall. Allstate may be best for homeowners looking for highly-customizable coverage, including home-sharing coverage for shoppers who occasionally rent their home out as a short-term rental. Although Allstate doesn't have the most impressive customer satisfaction score from J.D. Power, it does have many local agencies available for in-person service.

Secura

Secura

Who this may be best for

Homeowners who prefer to bundle auto and home policies

Secura is a regional carrier available in 13 states. Its average rates are low, but coverage can only be purchased as a home and auto bundle. It offers a handful of discounts that may help lower your rate even more, including early quoting, protective device and new home savings. Perhaps because it's a smaller regional carrier, Secura isn't included in the 2023 J.D. Power Home Insurance Study, so you may want to speak with existing policyholders about their experience with the company.

Travelers

Travelers

Who this may be best for

Homeowners who want unique add-ons and endorsements

Travelers offers a green home discount for LEED-certified homes and green home coverage to ensure you have enough coverage for your home's green building materials. The carrier scored below the segment average in J.D. Power's customer satisfaction study, but it does offer online quoting and a highly-rated mobile app for digitally-savvy shoppers.

How Bankrate chose the best home insurance companies in Wisconsin

To find the best Wisconsin homeowners insurance, Bankrate’s insurance editorial team began by reviewing coverage options, discounts, digital experience and third-party ratings from some of the largest companies in the state. We collected average rate data for each carrier from Quadrant Information Services. Each Wisconsin home insurance company earned a Bankrate Score on a five-point scale, based on this analysis.

If you are in the market for home insurance in Wisconsin, using Bankrate Scores can help you quickly narrow down the best Wisconsin homeowners insurance companies. Insurers with high Bankrate Scores generally excel in multiple categories, such as affordability, endorsements, financial strength and customer satisfaction. Companies with low Bankrate Scores may fall short in certain categories, and might not be as strong overall.

Cheapest home insurance companies in Wisconsin

Bankrate reviewed the average rates for the companies that write the most policies in Wisconsin to find those with the most affordable coverages. The five listed below had the lowest average rates, and may be worth looking at if you hope to find cheap coverage for your property.

Carrier Monthly premium for $300k coverage Annual premium for $300k coverage Savings vs state avg. for $300k coverage
Rockford Mutual
$60
$715
- $439
$64
$769
- $385
West Bend
$67
$798
- $356
$74
$892
- $262
$81
$977
- $177

How to get cheap home insurance in Wisconsin

Finding the right homeowners insurance policy can be an important part of your financial plan. Having coverage for your home’s structure and belongings against a list of potential disasters and losses may provide you peace of mind that your investment is protected from financial loss. Choosing a good homeowners insurance policy does not have to break the bank. The following steps may help you find the best cheap home insurance in Wisconsin:

  1. Obtain home insurance quotes from multiple companies. Shopping around is the best way to compare your options and ensure you are getting the best rate.
  2. Review discounts. Whether you are still getting quotes or you already have a policy, review the available insurance discounts available to you from different carriers. Discount options vary greatly and could have a significant impact on your premium.
  3. Review your deductible. Raising your deductible will lower your premium, but note that insurance professionals recommend keeping your deductible low enough that you could comfortably pay it out of pocket if you need to file a claim.

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Best home insurance discounts in Wisconsin

Deciding on which homeowners insurance company to choose may depend on the discounts available from each carrier you're considering. Although insurance companies offer different discount options, there are several common discounts you will find among many carriers.

A multi-policy discount, sometimes referred to as a bundling discount, may be available if you have multiple insurance policies — such as a home and an auto policy — through the same company.
To receive a claim-free discount, a homeowner must have an insurance history free of any claims for a specific period of time, which will vary by company
These discounts may be available both for purchasing a newly-constructed home or for purchasing a home recently, such as in the last year.
If your home is equipped with devices — such as security cameras or fire prevention equipment — you may qualify for this discount, since these devices may reduce the probability of filing a claim for theft or fire.

How to save on home insurance policy renewals in Wisconsin

Even if you already have coverage, reviewing your policy details before your policy renews may help you save money without switching carriers. Here are a few strategies to consider when your policy renews.

  • Improve your credit rating: In most states, including Wisconsin, carriers can consider your credit-based insurance score when determining your rates. If you've recently improved your credit score, you may want to bring this up with your company at renewal.
  • Repair your roof: Upgrading or replacing your roof to make it more storm-resistant may reduce your risk, earning you a lower rate on your home coverage.
  • Review your discounts: You may be eligible for more discounts now than when you purchased your policy. For example, if you installed a security system, you may earn a protective devices discount. Reviewing your carrier's discounts and looking for applicable savings opportunities could lower your premium or offset an increase.
  • Raise your deductible: Increasing your deductible will lower your premium, but you'll have to pay more out of pocket if you file a claim.

How much is home insurance in Wisconsin?

The average home insurance premium in Wisconsin is $1,154 per year for a policy with $300,000 in dwelling coverage. Homeowners insurance rates vary by state, and Wisconsin homeowners pay less on average for home insurance than the average American. For comparison, the U.S. national average rate is $2,230 per year for the same level of coverage. This could be due to the fact that Wisconsin has a low property crime rate and does not experience major natural disasters, like hurricanes or tornadoes, leading to a lower probability of costly claims.

Although Wisconsin has cheap home insurance based on average rate data, it’s important to remember that every homeowner pays a different rate for coverage. Personal factors, like your claim history, ZIP code, the size and age of your home and its proximity to a fire station can all impact the cost of your policy.

Wisconsin homeowners insurance rates by city

Where you live, down to your ZIP code, affects your home insurance rates. Even among Wisconsin cities, rates vary depending on factors such as crime rates and regional weather patterns. At Bankrate, we've determined the most and least expensive cities in the Badger State for homeowners insurance.

  • Sheboygan: $992 per year — 14 percent below state average
  • Kaukauna: $1,003 per year — 13 percent below state average
  • Sheboygan Falls: $1,005 per year — 13 percent below state average
  • Green Bay: $1,005 per year — 13 percent below state average
  • Little Chute: $1,007 per year — 13 percent below state average
  • Osceola: $1,395 per year — 21 percent above state average
  • Clayton: $1,384 per year — 20 percent above state average
  • Turtle Lake: $1,383 per year — 20 percent above state average
  • Grantsburg: $1,378 per year — 19 percent above state average
  • Comstock: $1,373 per year — 19 percent above state average

*Rates are for $300,000 in dwelling coverage.

What does home insurance cover in Wisconsin?

Wisconsin's northern location makes it susceptible to heavy winter weather, and with large portions of the state fronting two of the Great Lakes: Superior and Michigan, weather patterns driven by lake effects are common as well. Here are some of the types of damage seen frequently by Wisconsin residents.

  • Hail damage: Hailstorms are hard on roofs and siding. Many experts recommend assessing your home and property after a hail storm to look for compromised roofing, siding and windows.
  • Tornadoes: According to Triple-I, Wisconsin experienced the 11th-highest volume of tornadoes in 2022.
  • Wind damage: High winds can also damage roofs, and they may lead to fallen trees, branches and debris. Maintaining your property's trees may help mitigate windstorm damage.
  • Flooding: Flooding is an issue for those living on Wisconsin's primary waterways, but flooding can happen in all parts of the state and impacts more homeowners than you might expect. Even a single overflowing ditch can cause water damage to your home. Standard home policies don't cover flooding, so if you are concerned that your home is vulnerable, you may want to look into flood insurance.
  • Winter weather and frozen pipes: Cold temperatures can lead to burst pipes, resulting in water damage claims. Insulating your property's piping, disconnecting outside hoses and keeping your home at a warm temperature, even when you're out of town, may help prevent frozen pipes.
  • Fire damage: Although less common, wildfires and residential fires do occur in Wisconsin. Clearing debris from your property and regularly checking for potential fire hazards in your home may help you avoid costly fire claims.

Additional home insurance coverage types in Wisconsin

Some common causes of loss in Wisconsin are not covered by standard home insurance policies. You may want to consider endorsements to fill these coverage gaps.

  • Flood insurance: Flooding may be the largest category of peril that is not covered by standard home insurance policies. You can purchase flood insurance through the National Flood Insurance Program and from some insurers. Flood insurance can be a benefit even if you don't live near a large body of water — even a drainage ditch that overflows can cause flood problems. One way to assess your need for flood coverage is to input your address into FEMA's flood map, which can indicate if you are in a flood zone. According to the Insurance Information Institute, flooding is the most common and costly natural disaster in the U.S., playing a role in 90 percent of all natural disasters.
  • Sinkhole coverage: Sinkhole damage may not be on your radar when you think about potential damage to your home, but in some parts of Wisconsin, it probably should be. The eastern, southern and western parts of the state are positioned over beds of dolomite and limestone, which can dissolve in water and crumble. This makes sinkholes a possibility. Ask your insurance agent if your home is at risk.
  • Equipment breakdown: Wisconsin’s weather fluctuations can wreak havoc on heating, plumbing and electrical systems. Adding this optional coverage is similar to buying an extended warranty. If your furnace fails due to a covered peril, your home insurer could help pay for its repair or replacement.
  • Water backup coverage: If you suffer damage due to a backed up sewer or drain line, you’ll want to consider this add-on option to have coverage. Many other types of water damage may be covered automatically, but water backup is not.

Related content:

Common Wisconsin home insurance problems

The insurance industry is constantly changing and evolving in Wisconsin due to challenges such as increasingly severe weather patterns and supply chain issues. These challenges contribute to rising home coverage rates across the U.S. Here are a few of the considerations that may impact homeowners in Wisconsin who are looking for great home insurance coverage.

  • Flooding threats: According to the National Oceanic and Atmospheric Administration (NOAA), nearly 40 percent of Wisconsin's residents live in a coastal county — which means that roughly 2.1 million people are at risk for flooding during severe weather. Flooding is not covered by standard home policies, so you may want to consider adding a flood policy to your Wisconsin coverage portfolio.
  • Supply chain issues: Many areas of the U.S. are still facing materials and labor shortages prompted by the pandemic. This, combined with inflation issues, may prompt Wisconsin homeowners to consider their coverage limits compared to the true cost of repair or replacement for their homes and belongings.
  • Limited insurer availability: As climate change increases home insurance claim frequency and severity in an already challenging coverage market, many insurers are becoming more wary of risk and setting stricter limitations on what homes they will insure. Although Wisconsin doesn't face the same extreme situations as Florida or California, home insurance companies may still be less willing to take on risk for some coastal homeowners than they used to.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze June 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

  • Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
  • Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
  • Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
  • Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
  • Coverage E, Liability: $500,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply. 

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores

Our Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories. 
5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.