Your home insurance policy is essential in protecting your investment in your home. It also gives you valuable peace of mind. But finding the right home insurance policy can be confusing, especially if you don’t often shop for home insurance.
That’s why we’ve outlined some need-to-know information to help you find the best home insurance in Wisconsin that’s within your budget, too.
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The average cost of home insurance in Wisconsin is $890 per year, which includes $250,000 in dwelling coverage. That rate is more than $500 less than the national average rate for home insurance of $1,428. That lower rate may be because Wisconsin isn’t at high risk of major natural disasters, so the likelihood of major claims is reduced.
While Wisconsin has low average home insurance rates, your location within the state can impact how much you will pay. Factors like your location’s crime rate and the likeliness of natural disasters impact the average rates for each city:
| Wisconsin City | Average Cost of Home Insurance Per Year |
| Oostburg | $790 |
| Cedar Grove | $793 |
| Random Lake | $796 |
| Millston | $1,011 |
| Boscobel | $1,012 |
Other factors, like your home’s value and its proximity to the nearest fire station, also impact your home insurance costs. Since rates can vary so much, getting a personalized quote will give you the most accurate idea of what your home insurance policy will cost. You can get free home insurance quotes in Wisconsin from ConsumerCoverage to get a sense of your insurance rates.
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To save money on home insurance in Wisconsin, start by shopping around and looking for companies that offer discounts, such as discounts for buying your home and car insurance through the same company. You might also want to explore a high deductible policy, which can help to keep your premiums lower. Just make sure that you will be able to pay that higher deductible if you ever do have to file a claim.
Shopping around and comparing quotes can help you to find the best policy at the best price, too. To get started, request a free homeowners insurance quote from ConsumerCoverage.
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Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.
