The Best 3 Homeowners Insurance Companies in Wisconsin

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In addition to cheese and beer, residents of the Badger State also get to enjoy some of the lowest homeowners insurance prices in the country. Wisconsinites pay just $762 on average in annual homeowners insurance premiums, according to the Insurance Information Institute. That is $430 less than the national average of $1,192.

With rates so low, it’s important to choose a reputable insurer and opt into the right level of coverage to suit the specific needs of your home. When shopping around for policies, consider natural risks that pose the most common threats to your Wisconsin home — tornadoes, thunderstorms, lightning and hail — and make sure that your homeowners insurance policy has adequate coverage.

To help make this search easier for you, we’ve outlined our top picks for the companies we believe offer the best homeowners insurance in Wisconsin. We’ve also included an online quote tool so you can easily get started comparing policies and rates in your area.

Our Top Picks for Best Homeowners Insurance in Wisconsin

  • American Family
  • State Farm
  • Progressive

Find the Best Home Insurance

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

American Family

Backed by an A rating (excellent) for financial strength from A.M. Best and boasting one of the highest levels of customer satisfaction, including a website that’s won first prize for user experience in a design competition, American Family is the choice of more Wisconsin residents than any other insurance provider.

A standard AmFam policy protects your home from damage caused by fire and lightning, windstorms and hail, and vandalism and theft. Each policy also provides coverage to offset any additional living costs incurred if you are temporarily displaced from your home after a covered loss.

Wisconsin residents can customize their American Family policy by adding protections against identity theft, personal injury and liability, as well as increased covered to replace personal property. If your home also serves as an office space or in-home daycare, AmFam has specific coverage available to protect these business assets as well.

American Family helps you save on your Wisconsin homeowners insurance policy by automatically adjusting your premium rate based on multiple personal insurance factors. The company provides premium deductions to customers who have gone claims-free for at least six years or customers who have insured with AmFam for at least five years. Additional savings opportunities are afforded to new customers and retirees above the age of 50, as well as customers who bundle insurance products, install protective devices, insure new or recently remodeled homes, or have an impact-resistant roof on their dwelling.

State Farm

“Like a good neighbor,” State Farm can be easily reached should you experience a loss and need to file a claim. Call its 24/7 claims hotline, go online, visit one of its many Wisconsin offices, or use the handy PocketAgent mobile app. State Farm has an A++ superior rating for financial strength from A.M. Best, which is the highest rating possible.

State Farm offers specialty policy management resources, such as the HomeIndex inventory tool, which enables you to keep a running catalog of all your covered possessions and their worth so that you can respond effectively following a loss. If your home sustains water damage and requires mitigation or floor repair, State Farm’s Premier Service Program can help connect you with a reputable local Wisconsin contractor to carry out the repairs and make your home safe and livable.

State Farm’s Discount Double Check feature helps save you money on your policy premium by making sure that you are automatically receiving any deductions you’re eligible for. The company offers savings opportunities for bundling home and auto policies, installing security monitoring and protective devices, and having a claims-free history.

It is worth noting, however, that State Farm does not offer certain popular discounts, such as those for insuring a new or recently renovated home. If you are a new homeowner, keep this in mind when comparing providers!

Progressive

Progressive is a great option for Wisconsin homeowners looking for comprehensive coverage at an affordable price. Standard policies cover against personal liability in addition to providing protection against damage to your dwelling and personal property. Progressive will also pay for any medical bills incurred as a result of the covered loss, as well as additional living expenses should you require temporary lodging while your home is being repaired.

Add-on coverage options from Progressive include the Guaranteed Replacement feature, which provides complete coverage for your home, and the personal property endorsement, which covers valuables and items such as firearms and family heirlooms. Progressive also offers a personal umbrella policy option that covers up to $5 million for liability claims, ensuring that you’re protected in any event. Progressive has an A+ superior rating from A.M. Best.

It is important to note that with Progressive, customers can take advantage of certain discount opportunities — such as those for installing security devices or bundling multiple policies — but the company does not offer some other premium discounts popular among its competitors. For example, homeowners insuring new or recently renovated homes, as well as homeowners with a claims-free history do not qualify for premium reductions with Progressive. If you believe you fall into one of those categories, make sure to factor in potential savings with other providers when comparing policy quotes.

How much is homeowners insurance in Wisconsin?

Homeowners insurance in Wisconsin is relatively low compared with the rest of the country. The average annual premium in Wisconsin is $762, while the national average is $1,192. Your homeowners insurance rate may be higher or lower than the Wisconsin average based on the city where you live and other factors described below.

Wisconsin Rate Factors

Thunderstorms, blizzards and snowstorms are the main natural threats to homes in Wisconsin. You may need to get additional homeowners insurance if you live in a flood zone or an area that’s prone to wildfires. When determining your rate, insurance companies look at the characteristics of your home, such as its age and construction type. They also consider how far the house is from a fire hydrant or fire station, among other factors, when assessing your home’s risk.

The 3 Best Wisconsin Homeowners Insurance Companies

  • American Family
  • State Farm
  • Progressive

Find the Best Home Insurance

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

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