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Wisconsin Home Insurance - What's Happening

Wisconsin's diverse geography, Great Lakes coastlines, and green pastures make it unique; the state's name even means 'grassy place.' Though the grass seems greener on the Wisconsin side, homes in the state still need protection. The great news: low weather risks make homes in the state pretty easy to insure. Annual average premiums for Wisconsin home insurance measured just $679 in the second quarter of this year. That's about $150 below the national average.

How do low premiums affect you? Wisconsin home insurance rates may seem low, but premium prices in the state actually rose during this quarter. Take advantage of low premiums while they stay low, and you could pay a lot less each month. Talk to a agent by calling or filling out your information above.

Flooding from snowmelt, precipitation, and the Great Lakes coastlines can threaten Wisconsin homes. Remember, however, that standard Wisconsin homeowners insurance policies don't cover flood damage. For protection, consider purchasing a separate policy through the National Flood Insurance Program.

Curious about car insurance? Click here to learn more about auto insurance in Wisconsin.

Wisconsin Home Insurance Report Card

We get that buying home insurance is complicated. We've demystified it by assigning each state grades based on information collected from customers about their houses. It's a coloring-outside-the-lines approach that shows how factors about a home can affect what you pay for coverage.


Home Grade

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Property Grade

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Bonus Grade

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Overall Grade

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Home (Grades related to the house itself)

Despite the fact that the average Wisconsin home is 21 years older than the average U.S. home, houses in America's Dairyland are primed to avoid risks. On average, Wisconsin homeowners build smaller homes and include sump pumps to counteract basement flooding. Older homes typically are more prone to weather damage and more expensive to replace, but Wisconsin residents don't have to pay too much for their old- home charm.


Average year built

The average Wisconsin house was built in 1959, whereas the average U.S. house was constructed in 1980.


Average home size

Wisconsin has the fourth smallest houses in the nation, measuring an average of just 1,594 square feet.


Average replacement cost

You can replace the average Wisconsin home for $282,425, not too much more than the national average replacement cost of $278,576.


% of homes with sump pump

35% of homes in the Badger State have sump pumps, compared with just 15% in the rest of the country. Wisconsin residents acknowledge the need for flood safety at home.

Property (Factors related to the property and location)

Wisconsin residents must love gardening, tools, or car garages. Why? Their other structures—buildings such as tool sheds, garages, or greenhouses detached from the main house structure—cost about $5,000 more than average to replace.

While the other structures replacement cost brings property grades down, residents in Wisconsin certainly avoid unnecessary liability. Only 3.7% of homes in the state have swimming pools, compared with 5.1% of the overall U.S. population. In addition, homeowners stay away from dangerous vehicles such as ATVs and snowmobiles. The risk that residents don't take proper precautions for: house fires; only 74% of houses in the state lie within 1,000 feet of a fire hydrant.

Bonus (Other factors that influence your home insurance premiums)


% of homes with fire extinguishers

With smoke detectors installed in 96% of homes, residents can put out fires, but will they detect them before it's too late?


% of homes with dead bolt locks on exterior doors

Though badgers, the state's official animals, are fierce, residents don't share the same ferocity when it comes to protecting their homes. Only 92% of homes in Wisconsin have deadbolt locks, compared with 95.9% in the rest of the country.


% of homes with smoke detectors

Wisconsin has the second worst smoke detector installment rate in the nation; only 96% of homes have them.


% of homes with security alarms

Wisconsin has the second worst smoke detector installment rate in the nation; only 96% of homes have them.

Overall Grade - B (green but not the greenest)

Though the Badger State avoids many weather risks, homes and properties in Wisconsin aren't completely ideal for insurers. For example, homes in the state are on average older and more costly to replace. Residents also don't take proactive action against fires by installing working smoke alarms at home. These factors and others caused us to assign Wisconsin grades that are less-than-the-best. Some areas in which the state excels include average home size and property liability.

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