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Homeowners insurance in Wisconsin

From the country’s northern perch sits America’s Dairyland. The average cost of homeowners insurance Wisconsin residents face is significantly less than the national average cost of home insurance. While the national average is $3,144 per year, the average Wisconsin home insurance policy costs $1,233 less at $1,911 per year. This accounts for $300,000 dwelling coverage and $300,000 in liability with a $1,000 deductible.

As beautiful as the state may be, Wisconsin homeowners face fierce winters every year that leaves homes susceptible to frozen pipes and flooding. It is why it is so important to find the cheapest Wisconsin homeowners insurance, so you do not go without protection.

However, the cheapest homeowners insurance company is not always the best homeowners insurance company for your needs. To help you find the best home insurance for your needs, these are the best Wisconsin homeowners insurance companies.

  • The cost of homeowners insurance in Wisconsin costs an average of $1,911 per year, which is $1,233 less than the national average of $3,144 per year.
  • West Bend Mutual Insurance Company is the cheapest home insurance company in Wisconsin, with an average cost of $884 per year.
  • The cheapest average home insurance is found in Sheboygan’s 53081 zip code at $1,605 per year. 
  • Milwaukee’s 53205 zip code is the most expensive home insurance Wisconsin residents can buy at $2,200 per year.

5 Best homeowners insurance companies in Wisconsin takes a methodical approach to our insurance studies, analyzing key factors of each company and weighing the results against industry standards. To find the five best home insurance companies Wisconsin offers, we survey real consumers to provide a current ranking of major insurance carriers. We also look to industry experts, such as customer satisfaction ratings from J.D. Power and AM Best for financial strength. The companies presented here are independent editorial analysis that is devoid of any affiliations or partnerships.

Our study shows that these are the five best homeowners insurance companies in Wisconsin.

Allstate: Best for cheap rates

Allstate offers many types of home insurance, including unique coverage like manufactured and mobile home insurance. If you use your property for home-sharing, HostAdvantage® is a special type of coverage to protect Airbnb properties. Allstate will also help you purchase a flood insurance policy from the National Flood Insurance Program (NFIP).

Despite all the coverage you receive, rates are very affordable for homeowners insurance in Wisconsin. There are tons of home insurance discounts to help you save, such as a welcome and loyalty discount, homebuyer discount and payment-related discounts.

American Family: Best for customer service

American Family is the highest-rated of our picks for customer satisfaction. In J.D. Power’s 2021 U.S. Home Insurance Study, it receives above-average scores. With 24/7 claims support and simple account access, it is easy to keep track of your life insurance coverage. You can also save when you bundle your insurance needs, with average savings of 29% for auto insurance and 20% off your home insurance.

American Family has fantastic online resources to ensure you purchase the right coverage with the right amount of protection. There is a convenient first-time homebuyers guide, plus tools that are helpful even to the experienced homebuyer.

Safeco: Best for first-time homebuyers

Safeco is a Liberty Mutual company that makes it easy to save, especially when you are a new cash-strapped homeowner. There is coverage for all of your valuables, plus a Safeco package that bundles your home and auto insurance for additional savings. Equipment breakdown coverage costs about $2 per month and ensures that all of your must-have appliances remain functional after mechanical or electrical breakdowns.

Safeco has a guaranteed repair network that connects you with pre-qualified experts who can help with repair estimates and services. These repairs include a guaranteed material and labor warranty backed by Safeco for extra security.

The Hartford: Best home and auto bundle

The Hartford sells home insurance under AARP, offering some of the best homeowners insurance Wisconsin residents can receive. Policies are made simple with easy home and auto insurance bundles to provide easy policy management. Bundling policies can mean instant savings, like up to 5% off your car insurance and 20% off your home insurance.

There are other ways to save, too. The Hartford will discount Wisconsin homeowners insurance policies when there are home security and safety devices in the home. With a special focus on senior insurance coverage, The Hartford offers special savings for retirees and their spouses.

Chubb: Best for replacement coverage

Unlike other insurance companies that sell policies directly, Chubb uses independent insurance agents to create and sell your policy. However, that does not mean the quality of coverage is any less. If you experience a loss, replacement cost coverage ensures that your home is rebuilt to the same standards. Chubb even accounts for factors like lighting, custom designs, and architect and designer fees. You can also choose to skip repairs altogether and opt for a cash settlement instead.

With the Chubb Masterpiece® Homeowners Coverage, you receive upgraded coverage like extended replacement cost and temporary living arrangements if your home becomes uninhabitable from a loss. To help coordinate everything, Chubb provides policyholders with risk consulting that includes free home appraisals and policy support.

Cheapest homeowners insurance companies in Wisconsin

The cheapest homeowners insurance companies in Wisconsin vary slightly from our picks for the best home insurance companies. West Bend Mutual Insurance Company has the cheapest rates, averaging $884 per year for coverage that includes $300,000 dwelling and $300,000 liability coverage with a $1,000 deductible. Some of the other cheapest home insurance Wisconsin homeowners can buy include Allstate, Travelers, Amco Insurance Company, and Acuity Mutual Insurance Company.

Average cost of homeowners insurance in Wisconsin

The average cost of Wisconsin homeowners insurance is $1,911 per year.If you opt for minimum coverage, the average premium costs $522 per year. Even if you choose a full coverage policy, Wisconsin homeowners insurance costs $1,233 less than the national average. In the U.S., the average cost of home insurance is $3,144 per year.

Wisconsin homeowners insurance rates by zip code and city

Using’s homeowners insurance calculator, we calculate average home insurance rates by city and zip code.

The most expensive home insurance rates in Wisconsin are found in the sprawling metropolis of Milwaukee, with residents in the 53205 zip code facing an average cost of $2,220 per year. Conversely, the cheapest Wisconsin home insurance is found in Sheboygan’s 53081 zip code, with the average policy costing $1,605 per year.

Wisconsin homeowners insurance calculator

To calculate rates for your own Wisconsin home, you can use our home insurance calculator below to receive an average rate for home insurance in your zip code.


Average home insurance rates in CALIFORNIA

94404 - Foster City
Dwelling $200,000, Deductible $1,000 and Liability $100,000.



Most & least expensive zip codes for homeowners insurance in California

Most Expensive

Zip CodeCityHighest Rate
92391Twin Peaks$1,426
92321Cedar Glen$1,425
92352Lake Arrowhead$1,423

Least Expensive

Zip CodeCityLowest Rate
95051Santa Clara$743

Homeowners insurance rates in Wisconsin by company

Home insurance rates in Wisconsin vary significantly from company to company. The cheapest homeowners insurance rates in Wisconsin include West Bend Mutual Insurance Company, Auto-Owners, Allstate, Travelers, and Safeco.

Homeowners Insurance Rates in Wisconsin by Company
Insurance companyAverage full coverage annual premiumAverage minimum coverage annual premium
West Bend Mutual$884$522
Auto Owners$1,552$548

Homeowners insurance rates in Wisconsin by coverage level

The cost of homeowners insurance in Wisconsin is also determined by the amount of coverage that you buy. We compare average pricing in Wisconsin for different home insurance coverage levels.

Homeowners Insurance Rates by Coverage Level
Dwelling coverageLiability coverageDeductibleAverage annual PremiumCheapest annual premium

Homeowners insurance home-auto bundle discounts in Wisconsin

One of the best ways to save money on your homeowners insurance is to bundle multiple policies. The savings can pay off, too. We found an average savings of 14% when you bundle home and auto insurance for an average cost of $1,360 per year.

Homeowners Insurance Bundle Discounts
Type of bundleAverage annual premium dwellingAverage annual premium liability
Home And Auto$1,360$1,168

Frequently asked questions about Wisconsin homeowners insurance

How much does home insurance in Wisconsin cost?

The average cost of home insurance Wisconsin residents pay is $1,911 per year or $522 for minimum liability.

How do I save money on my Wisconsin car insurance?

To lower the cost of your home insurance, ask your insurance provider what kind of discounts are available for your policy. You can also save money by comparing multiple providers, improving your credit score, or increasing your deductible.

What is not included in Wisconsin home insurance?

The average home insurance policy does not include coverage for high-value items like jewelry and artwork. You may also have to pay for additional endorsements, like identity theft protection and flood insurance coverage.

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