Wisconsin Home Insurance Quotes
If you're looking for Wisconsin home insurance quotes, HomeInsurance.com can help you move forward. Our agents streamline the shopping process by working with multiple highly rated providers to find you the right coverage and premiums for you. Ensure that you aren't badgered in the Badger State by letting our agents do the job right for you.
Wisconsin homeowners insurance protection
Wisconsin's name means "grassy place," and the state is bounded by water and crisscrossed by rivers and streams. Residents, especially those in floodplains, should protect themselves from any type of flood damage. Standard Wisconsin home insurance does not cover flood damage, so consider purchasing a separate policy through the National Flood Insurance Program.
Events for which residents should prepare also include severe thunderstorms, windstorms, tornadoes, and winter storms. While a typical Wisconsin home insurance policy will protect from all of these events, make sure you know your policy as protection and limits could differ by carrier. Get more information about potential emergencies by visiting the state Emergency Management website.
Home insurance rates in Wisconsin
Homeowners in Wisconsin are paying around $660.00 for home insurance as of February of 2014. Rates have increased since January when Wisconsin homeowners insurance premiums were approximately $632.00. The rate of $660/year reflects standard coverage and does not include flood or earthquake damage which is covered under a separate policy. Read more about flood insurance.
Average Premiums for Home Insurance In Wisconsin
|Feb 2014||Jan 2014||Dec 2013||Nov 2013||Oct 2013|
You're in luck: Wisconsin home insurance policy premiums often are the lowest in America. Wisconsin residents paid $660, compared to the national average premium of $815.
But even though Wisconsin averages beat U.S. average premiums on the whole, you should look for additional ways to save. If you call us at %phone number% or enter your ZIP code above, we can get started finding discounts you may have missed. Some common savings include:
- Bundling: If you purchase your home and auto insurance through the same carrier, you could earn up to 20% in discounts on your monthly premiums.
- New home: If your home was built within the last 10 years, you are less likely to file a claim and could qualify for a new home price break.
- Security: Install a security system in your Wisconsin house and you could save on premium costs. You also could qualify for a discount of up to 5% by installing deadbolt locks.
- Fire safety: Even though Wisconsin is a water-laden state, the average cost of a house fire is still $33,000. Providers reward safe homeowners by offering price breaks to those with smoke detectors, sprinklers, or non-smoking families.
- Claims history: Providers typically offer discounts for residents who haven't filed a claim in the last 10 years.
Wisconsin home insurance: your neighbors' premiums
One of the factors that providers use when determining premiums is location. To that end, the average rates in one county might differ from those nearby. Find out how your county compares to the state average by clicking below.
Are your Wisconsin neighbors taking advantage of common price breaks or leaving better home insurance rates by the wayside? Below is a list of the last 5 Wisconsin policies written by the agents with HomeInsurance.com. You can get a general idea of how much to pay, but remember that carriers determine premiums based on a number of factors such as individual situation and house type.
|Home 1||Home 2||Home 3||Home 4||Home 5|
|Premium with Auto Discount||$419||$857†||$523†||$582†||$929†|
|Discounts|| || || || || |
|Primary Heat Source||Central Gas||Central Gas||Central Gas||Central Gas|
Standard Wisconsin home insurance policy coverage
Better protect your life and your belongings by understanding what your policy covers. This way, you can make sure your limits are high enough so that insurance can help you get back on your feet after a disaster. A standard policy contains these coverage types:
- Dwelling and Other Structures: These two types protect any structures on your property, whether attached to your home (Dwelling) or not (Other Structures). The amount of dwelling coverage you have determines your limits for other types such as Personal Property.
- Personal Property: A standard policy protects the contents of your home with this coverage type. However, some high-value items may not be fully covered. Ask your agent about this.
- Loss of Use: If a covered event damages your house and forces you to move out while it undergoes repair, Loss of Use can help pay restaurant and hotel bills while you are displaced.
- Medical Payments: If a non-family member becomes injured on your property but does not take you to court, Medical Payments can help pay any medical bills.
- Personal Liability: If a non-family member becomes injured on your property and involves you in a lawsuit, Personal Liability coverage can help to pay court fees and any final judgment.
Additional insurance resources
Disaster Preparedness Guide- Protect your home and family from the disasters that Wisconsin faces by prepping it with our in-depth guide.
Home insurance calculator- Use this tool to determine how much dwelling coverage you'll need for your Wisconsin home insurance policy. You also can discover average Wisconsin dwelling costs.
Homeowners Blog- For more information about the home insurance basics, tips and tricks, and interesting facts, check out our Home HQ blog and resources.
City information for Wisconsin home insurance
Find your city below for more in depth information about Wisconsin homeowners insurance. Let us simplify your shopping experience.
|Appleton||Beaver Dam||Eau Claire||Green Bay|