The Best 3 Homeowners Insurance Companies in Wisconsin

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.

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    With home insurance 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.

    In this article

      The 3 best homeowners insurance companies in Wisconsin

      • American Family
      • State Farm
      • Progressive

      Best overall – 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.

      J.D. Power Rating
      3/5
      AM Best Rating
      A
      Standard & Poor’s
      A
      SimpleScore
      4 / 5.0
      close
      SimpleScore American Family 4
      Discounts 4
      Coverage Options 5
      Customer Satisfaction 3
      Support 4
      Accessibility 4

      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.

      Best claims process – State Farm

      “Like a good neighbor,” State Farm can be easily reached should you experience a loss and need to file a claim.

      J.D. Power Rating
      3/5
      AM Best Rating
      A++
      Standard & Poor’s
      AA
      SimpleScore
      4 / 5.0
      close
      SimpleScore State Farm 4
      Discounts 2
      Coverage Options 5
      Customer Satisfaction 3
      Support 5
      Accessibility 5

      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!

       

      Most affordable – Progressive

      Progressive is a great option for Wisconsin homeowners looking for comprehensive coverage at an affordable price.

      J.D. Power Rating
      3/5
      AM Best Rating
      A+
      Standard & Poor’s
      AA
      SimpleScore
      4.2 / 5.0
      close
      SimpleScore Progressive 4.2
      Discounts 3
      Coverage Options 5
      Customer Satisfaction 3
      Support 5
      Accessibility 5

      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 home insurance 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.

      We welcome your feedback on this article and would love to hear about your experience with the Wisconsin home insurance companies we recommend. Contact us at inquiries@thesimpledollar.com with comments or questions.

      Methodology

      SimpleScore

      The SimpleScore is a proprietary scoring metric we use to objectively compare products and services at The Simple Dollar.

      For every review, our editorial team:

      • Identifies five measurable aspects to compare across each brand
      • Determines the rating criteria for each aspect score
      • Averages the five aspect scores to produce a single SimpleScore

      Here’s a breakdown of the five aspect scores and their rating criteria for our review of the best credit monitoring services of 2020.

      Why do some brands have different SimpleScores on different pages?

      To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.

      However, it’s also possible for brands to have different SimpleScores across multiple pages on The Simple Dollar. For instance, if we compare Experian’s ID theft monitoring services using SimpleScore, it scores a 4 out of 5. However, if we apply our SimpleScore methodology for credit monitoring services, Experian scores a 4.4 out of 5. Each unique criteria results in separate SimpleScores for multiple brands based on what we’re comparing.

      Questions about our methodology?

      Email Hayley Armstrong at hayley@thesimpledollar.com.

      Basic plan price

      We award brands who have lower monthly costs for credit monitoring services with higher scores in our methodology.

      Premium plan price

      We award brands who have lower monthly costs for credit monitoring services with higher scores in our methodology.

      Perks

      Who doesn’t like a nice perk? We awarded brands with higher scores if they offered perks to customers, such as free trials, family plans, discounts for annual billing and more than two pricing tiers.

      Customer support

      The SimpleScore system rewards brands that have multiple channels of support so customers can contact representatives in a variety of way.

      Mobile app rating

      We compared brands based on their mobile app ratings as an average of Google Play and iOS App Store ratings.