The Best and Cheapest Homeowners Insurance in Wisconsin (2026)
Find Cheap Home Insurance Quotes in Wisconsin
Who sells the best cheap home insurance in Wisconsin?
What company has the cheapest home insurance in Wisconsin?
West Bend sells the cheapest home insurance in Wisconsin for most homeowners.
Find Cheap Home Insurance Quotes in Wisconsin
- West Bend has the cheapest average rates for homes that cost between $350,000 and $500,000 to rebuild.
- If your home is worth less, Farmers might be a cheaper option. If you need $1 million in dwelling coverage, Wisconsin Mutual could be the cheapest option.
Best cheap home insurance in Wisconsin by dwelling amount
$200,000
$350,000
$500,000
$1 million
Company | Annual rate | ||
|---|---|---|---|
| Farmers | 4.0 out of 5 | $657 | |
| West Bend | 3.3 out of 5 | $668 |
| Hastings Mutual | 3.3 out of 5 | $905 |
| State Farm | 3.5 out of 5 | $953 | |
| Farm Bureau | 2.8 out of 5 | $955 | |
| American Family | 2.8 out of 5 | $956 | |
| Wisconsin Mutual | 2.8 out of 5 | $977 |
| Auto-Owners | 4.0 out of 5 | $1,099 | |
| AAA | 2.3 out of 5 | $1,269 | |
| Allstate | 3.3 out of 5 | $1,299 | |
| Erie | 2.5 out of 5 | $1,319 | |
| Acuity | 2.5 out of 5 | $1,661 | |
| USAA | 3.8 out of 5 | $1,140 | |
USAA is only available to military members, veterans, children and spouses of USAA members and employees of certain federal agencies.
Key takeaways
- Home insurance rates are up nearly 50% in Wisconsin compared to 2021.
- Nationwide raised rates the most in that time. A policy costs 66% more today than it did in 2021.
- Chubb has had the smallest rate hike, at about 15% between 2021 and 2025.
- Wisconsin homeowners should make sure their policies cover damage caused by snow, wind and hail. It's also a good idea to consider buying flood insurance.
Best overall home insurance in Wisconsin: Farmers
-
Annual cost$1,235Average rate for a $350,000 home
-
Monthly cost$103Average rate for a $350,000 home
-
Customer complaints Average
Farmers offers a good combination of cheap rates, good customer service and a long list of discounts.
How much is Farmers insurance in Wisconsin?
Dwelling coverage limit | Annual rate | % from state avg. |
|---|---|---|
| $200,000 | $657 | 38% cheaper |
| $350,000 | $1,235 | 26% cheaper |
| $500,000 | $1,686 | 24% cheaper |
| $1 million | $3,003 | 26% cheaper |
You might be able to get even cheaper rates with one or more of Farmers' discounts. You can save by having smart home features on your house, going paperless, owning a new home and more.
Farmers also generally has good customer service in Wisconsin. The company gets 29% fewer complaints about its home insurance service compared to an average company its size, according to the National Association of Insurance Commissioners (NAIC). That could mean people are usually happy with the service they get from Farmers.
Best home insurance in Wisconsin for cheap rates: West Bend
-
Annual cost$1,045Average rate for a $350,000 home
-
Monthly cost$87Average rate for a $350,000 home
-
Customer complaints Average
Best homeowners insurance in WI for extra coverage: American Family
-
Annual cost$1,637Average rate for a $350,000 home
-
Monthly cost$136Average rate for a $350,000 home
-
Customer complaints High
American Family has a long list of coverage options that can help you build a policy tailored to your specific needs.
For example, you might want to add coverage for flash floods, equipment breakdown, home renovation projects or sewer line backup.
You can even add coverage that will replace undamaged siding on your home. That way, if your siding is damaged in a storm and you can't find a replacement to match what you already have, your insurance will pay to replace your undamaged siding, so your house doesn't look patchy.
American Family also has cheap rates for average homes that need around $200,000 to $350,000 in dwelling coverage. Plus you can save even more if you go paperless, update certain features on your home or even if your parents have an American Family policy.
What are the best home insurance companies in Wisconsin?
Chubb and Auto-Owners are the best-rated home insurance companies in Wisconsin.
Both companies get fewer complaints than expected, according to the National Association of Insurance Commissioners (NAIC). That means most people are happy with the service they get.
However, neither Chubb nor Auto-Owners has the cheapest rates in Wisconsin. If you want a blend of cheap rates and good coverage, choose Farmers.
Company |
Rating
|
Complaints
|
|---|---|---|
| Chubb | 4.5 out of 5 | Low |
| Auto-Owners | 4.0 out of 5 | Low |
| Farmers | 4.0 out of 5 | Average |
| USAA | 3.8 out of 5 | Low |
| State Farm | 3.5 out of 5 | Average |
| Allstate | 3.3 out of 5 | Average |
| Hastings Mutual | 3.3 out of 5 | Low |
| West Bend | 3.3 out of 5 | Average |
| American Family | 2.8 out of 5 | High |
| Farm Bureau | 2.8 out of 5 | Average |
| Wisconsin Mutual | 2.8 out of 5 | Low |
| Acuity | 2.5 out of 5 | Average |
| Erie | 2.5 out of 5 | Low |
| AAA | 2.3 out of 5 | Low |
What's the average cost of home insurance in Wisconsin?
Home insurance in Wisconsin costs $1,679 per year, on average, for $350,000 in dwelling coverage.
Wisconsin's average rate is about 30% less than the national average cost of home insurance, which is $2,395 per year. That's probably because Wisconsin doesn't experience as much severe weather as many other states.
Average cost of home insurance in WI
Dwelling coverage | Average rate |
|---|---|
| $200,000 | $1,066 |
| $350,000 | $1,679 |
| $500,000 | $2,206 |
| $1,000,000 | $3,977 |
Home insurance in Wisconsin is less than home insurance in surrounding states. In Minnesota, a policy with $350,000 in dwelling coverage costs $2,774 per year, on average. The same coverage in Iowa costs $3,136 per year. In Illinois, the average rate is $2,731 per year, and in Michigan, it's $2,246 per year.
Most of these states experience more severe weather than Wisconsin does. That drives up insurance rates because companies expect homeowners to file more claims.
Wisconsin home insurance rates by city
In Milwaukee, Wisconsin's largest city, home insurance costs an average of $1,690 per year.
That's roughly the same as the state average. In Madison, the state's capital, the average rate is $1,557 per year. That's 7% cheaper than average in Wisconsin.
Homeowners in Sheboygan, a city in western Wisconsin along Lake Michigan, pay the cheapest rates in the state, at an average of $1,308 per year. Meanwhile, homeowners in Osceola, a village on the St. Croix River and Minnesota border, have the most expensive average rate of $2,112 per year.
West Bend is usually the cheapest option for Wisconsin residents, but depending on where you live, Hastings Mutual, Farmers or Allstate may be cheaper options.
Find Cheap Home Insurance Quotes in Wisconsin
Cost of Wisconsin home insurance by city
City | Average rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Abbotsford | $1,663 | West Bend | $1,035 |
| Abrams | $1,540 | West Bend | $978 |
| Adams | $1,781 | West Bend | $1,167 |
| Adell | $1,355 | West Bend | $910 |
| Afton | $1,635 | West Bend | $991 |
| Albany | $1,684 | Hastings Mutual | $897 |
| Algoma | $1,451 | West Bend | $985 |
| Allenton | $1,562 | West Bend | $946 |
| Allouez | $1,448 | West Bend | $817 |
| Alma | $1,800 | West Bend | $1,024 |
| Alma Center | $1,744 | West Bend | $1,023 |
| Almena | $2,014 | Farmers | $1,073 |
| Almond | $1,673 | West Bend | $1,008 |
| Altoona | $1,701 | West Bend | $966 |
| Amberg | $1,561 | West Bend | $1,030 |
| Amery | $2,049 | Farmers | $1,073 |
| Amherst | $1,693 | West Bend | $1,008 |
| Amherst Junction | $1,695 | West Bend | $1,008 |
| Aniwa | $1,596 | West Bend | $1,035 |
| Antigo | $1,589 | West Bend | $978 |
| Appleton | $1,493 | West Bend | $918 |
| Arcadia | $1,849 | West Bend | $1,024 |
| Arena | $1,671 | Farmers | $1,073 |
| Argonne | $1,580 | West Bend | $1,030 |
| Argyle | $1,770 | Hastings Mutual | $988 |
| Arkansaw | $1,820 | West Bend | $1,024 |
| Arkdale | $1,756 | Farmers | $1,073 |
| Arlington | $1,636 | West Bend | $1,008 |
| Armstrong Creek | $1,584 | West Bend | $1,030 |
| Arpin | $1,824 | West Bend | $1,022 |
| Ashland | $1,689 | West Bend | $1,050 |
| Ashwaubenon | $1,446 | West Bend | $817 |
| Athelstane | $1,556 | West Bend | $1,030 |
| Athens | $1,608 | West Bend | $1,035 |
| Auburndale | $1,807 | West Bend | $1,022 |
| Augusta | $1,721 | West Bend | $1,023 |
| Avalon | $1,629 | West Bend | $981 |
| Avoca | $1,744 | Hastings Mutual | $1,016 |
| Babcock | $1,835 | West Bend | $1,022 |
| Bagley | $1,841 | West Bend | $1,083 |
| Baileys Harbor | $1,375 | Hastings Mutual | $920 |
| Baldwin | $2,043 | West Bend | $1,167 |
| Balsam Lake | $2,005 | West Bend | $1,236 |
| Bancroft | $1,726 | West Bend | $1,008 |
| Bangor | $1,779 | West Bend | $1,012 |
| Baraboo | $1,679 | West Bend | $1,083 |
| Barneveld | $1,665 | Hastings Mutual | $910 |
| Barron | $1,992 | Farmers | $1,073 |
| Barronett | $1,967 | West Bend | $1,236 |
| Bassett | $1,606 | West Bend | $942 |
| Bay City | $1,902 | West Bend | $1,167 |
| Bayfield | $1,726 | West Bend | $1,050 |
Rates are for a policy with $350,000 of dwelling coverage.
What home insurance coverage do I need in Wisconsin?
Damage from heavy snowfall and tornadoes are two of the most important things home insurance needs to cover in Wisconsin.
Fortunately, most home insurance will cover damage from both snow and wind.
Does WI home insurance cover snow damage?
Your home insurance will usually cover damage snow can cause to your roof or the rest of your home.
However, if you don't do enough to prevent pipes or other parts of your home from freezing, your company may determine that the damage was preventable. It could then deny your claim.
Wisconsin sees an average of about 55 inches of snow each year, according to the Wisconsin State Climatology Office.
Does home insurance in WI cover tornadoes and hail?
Most home insurance policies cover damage from tornadoes and hail. That's important if you live in Wisconsin, because the state is no stranger to severe summer storms.
Your insurance will most likely cover damage caused by the wind, flying objects and falling trees that can happen during severe storms. But it never hurts to double-check and consider replacement cost coverage, which will pay out more to rebuild your home if it's damaged.
Wisconsin has had an average of 26 tornadoes per year since 2001, according to the National Oceanic and Atmospheric Administration (NOAA). June and July are the most common months for tornadoes in the state, with an average of eight happening in June and six happening in July in the past 25 years.
Wisconsin ranks eighth in the nation for potential hail damage, according to Cotality. Nearly 1.6 million homes in the state have a moderate or high risk for hail damage. In 2025, more than 38,000 homes in Wisconsin were affected by hail that measured two inches or more in diameter. Hail that big can cause massive damage to your home, especially to your roof and siding.
Does home insurance in WI cover flood damage?
Standard home insurance almost never covers damage caused by flooding. You usually have to buy a separate flood insurance policy from the National Flood Insurance Program (NFIP) or a private insurance company to get coverage for flood damage.
The NFIP handled 1,600 flood insurance claims in Wisconsin between 2015 and 2025. Those claims caused more than $58 million in damage across the state.
How to get cheaper home insurance in Wisconsin
The best way to get cheaper home insurance in Wisconsin is to compare quotes from different companies, look for discounts and adjust your coverages.
Shopping around is the best way to find the cheapest rate for your specific situation. In Wisconsin, there's a difference of over $2,000 per year between the cheapest and most expensive companies based on average rates. Each company calculates rates differently, and shopping around lets you compare your options. | |
The biggest discount usually comes from bundling a car insurance policy with home coverage. You may also be able to save by getting a new roof, renewing with the same company several times, not having claims and having features that make your home more resistant to wind damage. | |
Home insurance companies offer coverage add-ons to help you customize your policy to your specific needs. These extras can be really helpful, but they also add to your annual rate. Make sure you evaluate the quotes you get and check that they only include coverage that is applicable to your situation. |
Are home insurance rates going up in Wisconsin?
Home insurance prices in Wisconsin are up 49.7% over the last five years.
The biggest jumps were in 2023 and 2024, when rates went up by between about 12% and 16%. In 2025, rates went up by about 7%.
Wisconsin home insurance rate changes between 2021 to 2025
Year | Avg. rate increase |
|---|---|
| 2021 | 0.72% |
| 2022 | 5.04% |
| 2023 | 12.35% |
| 2024 | 15.69% |
| 2025 | 7.21% |
Home insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
Nationwide has had the biggest rate hike in the state. Since 2021, Nationwide has increased rates by more than 66%. Chubb, however, has only raised rates by about 15% in the last five years.
Frequently asked questions
What is the best Wisconsin home insurance?
Farmers is the best home insurance company in Wisconsin for most people because of its blend of cheap rates and good service. Chubb and Auto-Owners are the best-rated companies, but they typically cost more than Farmers.
What is the average cost of homeowners insurance in Wisconsin?
The average cost of homeowners insurance in Wisconsin is $1,679 per year for $350,000 in dwelling coverage. Home insurance in Wisconsin is about 30% cheaper than the national average cost of home insurance, which is $2,395 per year.
Is homeowners insurance required in Wisconsin?
The state of Wisconsin doesn't require home insurance. However, you'll almost always need a policy if you have a mortgage, because your lender wants to protect a home it partially owns. It's also extremely risky not to have coverage, because you would have to pay for all the repairs on your home if it's damaged or destroyed.
Methodology
To find the best homeowners insurance in Wisconsin, ValuePenguin got quotes from seven of the top companies in 794 residential ZIP codes in the state. All quotes are for a 45-year-old married man who has not filed any home insurance claims. The home used in the quotes is 49 years old and has 1,822 square feet, which is a representation of the average home in Wisconsin.
The quotes are for policies with the following coverage limits:
- Dwelling coverage: $200,000, $350,000, $500,000 or $1 million
- Personal liability: $100,000
- Medical payments: $1,000
- Deductible: $1,000
Rate information comes from Quadrant Information Services, which sources its data from publicly available insurance company rate filings. Costs should be used for comparative purposes only. Your rates will change based on your unique situation.
ValuePenguin's star ratings were assigned after a review of each company's rates, coverage options, discounts, unique features and customer service. Service info includes complaint data from the National Association of Insurance Commissioners (NAIC) and scores from J.D. Power's home insurance customer satisfaction and claims satisfaction surveys.
Sources:
About the Author
Senior Writer
Licensed Insurance Agent
Cate Deventer is a Senior Writer who specializes in health insurance, Medicare, auto and home insurance. She's been a licensed insurance agent since 2011.
She started her insurance career working as a customer service agent for State Farm. She later moved to an independent agency, where she worked with several insurance companies and hundreds of clients. She quoted policies, filed claims and answered insurance questions. In 2021, she pivoted her career and began writing about insurance for Bankrate. She moved to ValuePenguin in 2023 and began writing about health insurance and Medicare.
Cate has a passion for helping readers choose insurance to fit their needs. She enjoys knowing that her research and knowledge help people choose insurance products that make a positive difference in their lives.
How insurance helped Cate
Cate used her health insurance knowledge to navigate a surgery in 2023. Understanding how her policy worked let her focus on recovery instead of worrying about bills.
Expertise
- Health insurance
- Medicare & Medicaid
- Auto insurance
- Home insurance
- Life insurance
Credentials
- Licensed Life, Accident & Health Insurance Agent
- Licensed Property & Casualty Insurance Agent
Referenced by
- CBS
- NBC
- Wall Street Journal
Education
- BA, Theatre, Purdue University
- BA, English, Indiana University
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
