{"id":325120,"date":"2025-11-11T19:38:39","date_gmt":"2025-11-12T00:38:39","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=95962"},"modified":"2025-11-12T13:51:47","modified_gmt":"2025-11-12T18:51:47","slug":"best-in-wisconsin","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-wisconsin\/","title":{"rendered":"The Best Home Insurance Companies in Wisconsin for 2025"},"content":{"rendered":"\n\n\n\n\n\n    <script src=\"\/\/insurance.mediaalpha.com\/js\/serve.js\"><\/script>\n\n                                    \n                            \n<script>\n\n    \/\/ Flag used to automatically load results if zipcode is present in URL\n    var loadResults = '' ? true : false;\n    var urlParams = [];\n    var correlationId = \"389b1737-c3ec-4e34-8bef-1c22d922fae2\";\n\n    window.placement_id = 'mUwlKDtyKQ53FROgUE2Dqi_DIZaQ0Q';\n\n    var MediaAlphaExchange = {\n        data: {\n            zip: '',\n        },\n        placement_id: placement_id,\n        sub_1: '',\n        sub_2: '',\n        sub_3: '',\n        version: '17',\n    };\n\n    cohesion('ready', function() {\n        \/\/ Do something now that Cohesion is done\n        MediaAlphaExchange.sub_1 = window._Tagular.webContext.page.url;\n        MediaAlphaExchange.sub_2 = window._Tagular.webContext.sessionId;\n        MediaAlphaExchange.sub_3 = correlationId;\n\n    });\n<\/script>\n\n\n<div class=\"samepage-form\"  data-preamp=\"\" style=\"display:none\"   >\n    <div class=\"samepage-form__form\">\n            <script>\n    var insuranceType = 'home';\n<\/script>\n\n        <div class=\"samepage-form__fields\" >\n\n                <div class=\"samepage-form__form\" >\n            <div class=\"samepage-form__fields\" >\n            <div class=\"samepage-form__bottom\">\n                <h3 class=\"samepage-form__heading\"><\/h3>\n                <div class=\"samepage-form__form-group samepage-form__single-line\">\n                    <div class=\"samepage-form__input-container samepage-form__input-container_radios samepage-form__radio-container\">\n                        <label class=\"samepage-form__input-label\">Are you currently insured?<\/label>\n                        <div class=\"samepage-form__radio-group-input\" >\n                            <input id=\"radio-insured-yes\" type=\"radio\" name=\"currently_insured\" value=\"1\" checked >\n                            <label for=\"radio-insured-yes\" class=\"samepage-form__radio-input samepage-form1__radio-input-left\">Yes<\/label>\n                            <input id=\"radio-insured-no\" type=\"radio\" name=\"currently_insured\" value=\"0\"  >\n                            <label for=\"radio-insured-no\" class=\"samepage-form__radio-input samepage-form1__radio-input-right\">No<\/label>\n                        <\/div>\n                    <\/div>\n                    <div class=\"samepage-form__input-container\">\n                        <input id=\"samepage-form__grid-check-input\" class=\"samepage-form__zip-inputs\" name=\"zipcode\" type=\"text\" placeholder=\"Zip Code\" value=\"\" data-tag=\"fieldInput\"data-tag-field-type=\"INPUT\"data-tag-form-type=\"ZIPFORM\"data-tag-form-name=\"SERVICEABILITY\"\/>\n                    <\/div>\n                    <div class=\"samepage-form__input-container samepage-form__home-button\">\n                        <button id=\"samepage-form__grid-check-submit\" class=\"reviews-btn--primary\" data-tag=\"formSubmit\"data-tag-location=\"ZIPFORM\"data-tag-text=\"Compare Rates\"data-tag-outbound-url=\"{{current_url}}\">Compare Rates<\/button>\n                    <\/div>\n                <\/div>\n                <p id=\"samepage-form__grid-check-error-message\" class=\"samepage-form__error-message\">Please enter a valid zip code<\/p>\n            <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n\n        <\/div>\n    <div id=\"samepage-form__grid\" class=\"samepage-form__grid\">\n        <div class=\"samepage-form__grid-results-info\">\n            <p id=\"samepage-form__grid-number\" class=\"samepage-form__grid__number\"><\/p>\n            <p class=\"samepage-form__grid-instructions\">Click at least <strong> 2-3 companies <\/strong> to find the very best rate.<\/p>\n        <\/div>\n        <ul id=\"samepage-form__grid-results\" class=\"samepage-form__grid-results\"><\/ul>\n    <\/div>\n<\/div>\n\n\n            <span class=\"b-toc-anchor\" id=\"best\" title=\"The Best Wisconsin Homeowners Insurance Companies\"><\/span>\n    \n\n\n<p>Finding the best homeowners insurance in Wisconsin is possible by comparing multiple providers based on premiums, customer satisfaction ratings, financial strength ratings, and coverage options. Erie, Auto-Owners, State Farm, and USAA all stand out after a thorough review of numerous carriers. Wisconsin remains comparatively affordable for a standard policy, with recent 2024 studies generally placing the statewide average premium in the low-$1,000s per year, though rates have trended upward since 2022\u20132023 due to higher rebuilding costs and severe convective storm losses. Each of these insurers brings a distinct value proposition for homeowners in Wisconsin.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"the-best\" title=\"4 Best Homeowners Insurance Companies in Wisconsin\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">4 Best Homeowners Insurance Companies in Wisconsin<\/h2>\n\n\n\n<ul>\n<li><a href=\"#erie-insurance\" rel=\"nofollow\" class=\"achor-toggles\">Erie: Best for Cheap Rates&nbsp;<\/a><\/li>\n\n\n\n<li><a href=\"#auto-owners\" rel=\"nofollow\" class=\"achor-toggles\">Auto-Owners: Best for Customer Service<\/a><\/li>\n\n\n\n<li><a href=\"#state-farm\" rel=\"nofollow\" class=\"achor-toggles\">State Farm: Best for Claims Processing<\/a><\/li>\n\n\n\n<li><a href=\"#usaa\" rel=\"nofollow\" class=\"achor-toggles\">USAA: Military-Focused Coverage<\/a><\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"comparison\" title=\"Compare the Best Wisconsin Homeowners Insurance Companies\"><\/span>\n    \n\n\t\t\n<section id=\"block_61b39a88337b1\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare the Best Wisconsin Homeowners Insurance Companies<\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Annual Premium*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best Financial Strength\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2021-us-property-claims-satisfaction-study\">2021 J.D. Power Claim Satisfaction<\/a>\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_61b39a88337b1-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Erie<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$614<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td><a href=\"https:\/\/www.erieinsurance.com\/awards#:~:text=Erie%20Insurance%20Group%20has%20earned,rating%20of%20A%2B%20(Superior).\">A+ (Superior)<\/a><\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>869\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_61b39a88337b1-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Auto-Owners<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,077<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td><a href=\"https:\/\/www.auto-owners.com\/about\/who-we-are#:~:text=The%20company%20is%20represented%20by,also%20a%20Fortune%20500%20company.\">A++ (Superior)<\/a><\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>900\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_61b39a88337b1-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,087<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td><a href=\"https:\/\/www.statefarm.com\/insurance\/auto\/resources\/financial-strength-and-insurance-ratings\">A++ (Superior)<\/a><\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>880\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_61b39a88337b1-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$801<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td><a href=\"https:\/\/www.usaa.com\/inet\/pages\/newsroom_factsheets_pnc\">A++ (Superior)<\/a><\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>905\/1,000**<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>*Data from Bankrate.com for $250,000 in dwelling coverage<\/em><\/p>\n\n\n\n<p><em>**USAA not officially ranked by J.D. Power due to eligibility restrictions<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"erie-insurance\" title=\"Best for Cheap Rates\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Erie<\/h2>\n\n\n\n<p>Erie stands out for the low rates compared to many competitors in recent market studies. In addition to competitive pricing, Wisconsin homeowners may appreciate the A+ (Superior) ratings from AM Best and multiple service channels, whether through email, over the phone, or in person.<\/p>\n\n\n                                                \n\n\n<section id=\"erie-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">ERIE Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Cheap Rates<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Homeowners who want cheap home insurance in Wisconsin and access to 24\/7 customer service might consider Erie during the quote process.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=316528-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$614*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">869\/1,000**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Homeowners who want cheap home insurance in Wisconsin and access to 24\/7 customer service might consider Erie during the quote process.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Least expensive average annual premium on our list<\/li>\n                            <li>Multiple contact options for customer service<\/li>\n                            <li>Large local agent network<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Limited customer support availability<\/li>\n                                    <li>Few discounts and add-ons<\/li>\n                                    <li>No online quotes or purchasing<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Advanced quote<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Protective devices<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">ADD-ON COVERAGES<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water backup and sump overflow<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identify theft<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal liability<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Service line protection<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">ERIE INSURANCE REVIEW<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/erie-review\/\"><span style=\"font-weight: 400;\">Erie Car Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/erie-review\/\"><span style=\"font-weight: 400;\">Erie Renters Insurance Review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"auto-owners\" title=\"Best for Customer Satisfaction\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Auto-Owners<\/h2>\n\n\n\n<p>Auto-Owners stands out as an advantageous option for homeowners in Wisconsin because of consistently strong customer satisfaction indicators and specialty coverages offered. A Homeowners Plus package gives homeowners more robust coverage and financial protection while offering plenty of discounts for additional savings. <\/p>\n\n\n                                                \n\n\n<section id=\"auto-owners\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Auto-Owners<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Customer Satisfaction<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Auto-Owners receives high customer satisfaction ratings, including one of the top scores through J.D. Power. Great customer satisfaction, financial strength, and numerous discounts make Auto-Owners an insurer worth considering.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=337424-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,077*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">900\/1,000**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Auto-Owners receives high customer satisfaction ratings, including one of the top scores through J.D. Power. Great customer satisfaction, financial strength, and numerous discounts make Auto-Owners an insurer worth considering.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Multiple discount options<\/li>\n                            <li>High customer satisfaction ratings<\/li>\n                            <li>Superior financial strength rating<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>No online quote or purchase option<\/li>\n                                    <li>No claims processing online or through the app<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Green discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Advance quote<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mortgage-free<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">ADD-ON COVERAGES<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Guaranteed home replacement cost\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identity theft\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Equipment breakdown<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Homeowners Plus Package<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">AUTO-OWNERS INSURANCE REVIEW<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/auto-owners-review\/\"><span style=\"font-weight: 400;\">Auto-Owners home insurance review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/auto-owners-review\/\"><span style=\"font-weight: 400;\">Auto-Owners car insurance review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"state-farm\" title=\"Best Claims Processing\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">State Farm<\/h2>\n\n\n\n<p>If you find yourself having to make a claim for your homeowners policy, State Farm offers multiple ways to file your claim to help make the process as smooth as possible. Customer service and claims can be handled either through customer service agents, your local agent, online, or via the highly-rated mobile app.<\/p>\n\n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Claims Processing<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                The mobile app allows you to go through the entire claims process from start to finish. If you run into any issues or have questions, then you can contact customer service or your local agent directly through the app.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331752-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,087*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">880\/1,000**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                The mobile app allows you to go through the entire claims process from start to finish. If you run into any issues or have questions, then you can contact customer service or your local agent directly through the app.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Highly-rated mobile app<\/li>\n                            <li>Excellent financial strength<\/li>\n                            <li>Large agent network<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Limited number of discounts<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Protective devices<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Impact-resistant roof<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STATE FARM INSURANCE REVIEW<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\"><span style=\"font-weight: 400;\">State Farm homeowners insurance review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/state-farm-review\/\"><span style=\"font-weight: 400;\">State Farm auto insurance review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"usaa\" title=\"Best for Military-Focused Coverage\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">USAA<\/h2>\n\n\n\n<p>Being a USAA member means access to the standard homeowners policy coverages, as well as a few add-ons and discounts. Members frequently cite strong customer service, and USAA\u2019s ratings reflect high customer satisfaction and financial strength, though eligibility is limited to military members, veterans, and their eligible families.<\/p>\n\n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military-Focused Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                USAA understands the unique needs of the military community, such as during deployment or relocation. Veterans and immediate family members of military personnel may also qualify for membership.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.dpbolvw.net\/click-5941215-10998643?sid=r16491&#038;rvitemid=325264-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$801*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">904\/1,000**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                USAA understands the unique needs of the military community, such as during deployment or relocation. Veterans and immediate family members of military personnel may also qualify for membership.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>High customer satisfaction rankings<\/li>\n                            <li>Superior financial strength ratings<\/li>\n                            <li>Claims can be filed online, through the app, or customer service<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Strict eligibility requirements<\/li>\n                                    <li>Few additional coverages or discounts<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claim-free<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home security system<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">ADD-ON COVERAGES<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Earthquake<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Homesharing<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">USAA INSURANCE REVIEW<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/usaa-review\/\"><span style=\"font-weight: 400;\">USAA homeowners insurance review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/usaa-review\/\"><span style=\"font-weight: 400;\">USAA auto insurance review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*Data from Bankrate.com for $250,000 in dwelling coverage<\/em><\/p>\n\n\n\n<p><em>**J.D. Power U.S. Property Claims Satisfaction Study. Based on a 1,000-point scale<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"average-cost\" title=\"Average Cost of Homeowners Insurance in Wisconsin\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Average Cost of Homeowners Insurance in Wisconsin<\/h2>\n\n\n\n<p>The most recent 2024 rate studies place the average annual cost of homeowners insurance in Wisconsin for a standard policy with roughly $250,000 in dwelling coverage at about $1,050\u2013$1,250 per year, which remains well below the U.S. average for comparable coverage. Rates have risen since 2022\u20132023 amid higher rebuilding costs and severe convective storm losses across the Midwest. Your price will vary based on factors like your home\u2019s replacement cost and age, roof condition, location, coverage choices and deductibles, discounts, and personal rating factors.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Average Annual Premiums from Homeowners Insurance Companies in Wisconsin<\/h2>\n\n\n\n<p>The rates below showcase average annual premiums from multiple insurance companies in Wisconsin. Insurer-to-insurer pricing can vary widely, and methodologies differ across studies, so use these figures as illustrative and request quotes from several providers to find your best rate.<\/p>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><\/tr><tr><td>West Bend<\/td><td>$512<\/td><\/tr><tr><td>Erie<\/td><td>$614<\/td><\/tr><tr><td>Secura<\/td><td>$715<\/td><\/tr><tr><td>Rockford Mutual<\/td><td>$736<\/td><\/tr><tr><td>Acuity<\/td><td>$772<\/td><\/tr><tr><td>AAA<\/td><td>$788<\/td><\/tr><tr><td>Rural Mutual<\/td><td>$796<\/td><\/tr><tr><td>USAA<\/td><td>$801<\/td><\/tr><tr><td>Travelers<\/td><td>$829<\/td><\/tr><tr><td>American Family<\/td><td>$859<\/td><\/tr><tr><td>Wisconsin Mut Ins Co<\/td><td>$879<\/td><\/tr><tr><td>Nationwide<\/td><td>$890<\/td><\/tr><tr><td>Allstate<\/td><td>$954<\/td><\/tr><tr><td>Auto-Owners<\/td><td>$1,077<\/td><\/tr><tr><td>State Farm<\/td><td>$1,087<\/td><\/tr><tr><td>Hastings Mutual<\/td><td>$1,332<\/td><\/tr><tr><td>Motorists<\/td><td>$1,435<\/td><\/tr><tr><td>Chubb<\/td><td>$1,681<\/td><\/tr><tr><td>Farmers<\/td><td>$1,730<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Based on $250,000 dwelling coverage<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Companies for Wisconsin Homeowners Insurance&nbsp;<\/h2>\n\n\n\n<ul>\n<li>Farmers: $1,730<\/li>\n\n\n\n<li>Chubb: $1,681<\/li>\n\n\n\n<li>Motorists: $1,435<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Companies for Wisconsin Homeowners Insurance<\/h2>\n\n\n\n<ul>\n<li>West Bend: $512<\/li>\n\n\n\n<li>Erie: $614<\/li>\n\n\n\n<li>Secura: $715<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Wisconsin Home Insurance Considerations:<\/h2>\n\n\n\n<p>Wisconsin homeowners may want to consider adding specialty coverages to round out their policies and coverages even further. For example, parts of Wisconsin are prone to floods, which means flood insurance may be crucial. If you are on the market for a new home, consider checking that home\u2019s <a href=\"https:\/\/msc.fema.gov\/portal\/search?\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">flood risk<\/a> to understand if you should factor flood insurance into your budget.&nbsp;<\/p>\n\n\n\n<p>Your Wisconsin homeowners insurance policy may further benefit from water damage specialty coverage, which offers expenses towards damage from leaking water. Frozen pipes are one of many causes for this type of damage, and the specialty coverage could offer additional protection. Also review whether your policy uses a separate wind or hail deductible or roof settlement limitations, and consider adding a water\/sewer backup and sump pump overflow endorsement with limits that match your basement finishes and mechanicals.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Helpful Resources for Wisconsin Homeowners<\/h2>\n\n\n\n<p>The Wisconsin Office of the Commissioner of Insurance has compiled several resources for homeowners in the Badger State. Helpful pages include:<\/p>\n\n\n\n<ul>\n<li><a href=\"https:\/\/oci.wi.gov\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Consumer\u2019s Guide to Homeowners Insurance in Wisconsin<\/a><\/li>\n\n\n\n<li><a class=\"achor-toggles\" href=\"https:\/\/oci.wi.gov\/Documents\/Consumers\/PI-239.pdf\">Insurance Tips for Farm Owners<\/a><\/li>\n\n\n\n<li><a class=\"achor-toggles\" href=\"https:\/\/oci.wi.gov\/Documents\/Consumers\/PI-240.pdf\">Flood Damage<\/a><\/li>\n\n\n\n<li><a class=\"achor-toggles\" href=\"https:\/\/oci.wi.gov\/Documents\/Consumers\/PI-237.pdf\">After a Storm Hits\u2014 Insurance Tips<\/a><\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Frequently Asked Questions\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n<div id=\"block_61b39f6b337fa\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Does Wisconsin require flood insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The state does not mandate flood insurance. However, your lender may require it if your home is in a FEMA Special Flood Hazard Area, and standard homeowners insurance does not cover flood. For more context, see <\/span><a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-flood-insurance\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">flood insurance facts<\/span><\/a><span style=\"font-weight: 400;\">, and remember that many flood claims occur outside high-risk zones.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61b39f85337fb\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much does home insurance cost in Wisconsin?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Most recent 2024 rate studies place Wisconsin\u2019s average premium for a standard policy with roughly $250,000 in dwelling coverage near $1,050\u2013$1,250 per year, well below the U.S. average for similar coverage. Your rate will vary based on your individual rating profile.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated the companies based on their third-party agency ratings for customer experience, financial stability, as well as coverage options to determine which might be the best providers.&nbsp;<\/p>\n\n\n\n<p>To compare home insurance companies across the board, we considered the following factors:<\/p>\n\n\n\n<ul>\n<li>Customer Ratings \u2014 Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2021-us-home-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">J.D. Power Home Insurance Study<\/a> ratings.<\/li>\n\n\n\n<li>Coverage \u2014 As there isn\u2019t one company to fit everyone\u2019s needs, we evaluated companies by the amount of coverage options and add-ons available.&nbsp;<\/li>\n\n\n\n<li>Confidence \u2014 It is extremely important for insurance companies to fulfill customers\u2019 claims. Companies with sound financial strength ratings indicate a positive history of being able to pay out claims. We measured this using AM Best ratings.<\/li>\n\n\n\n<li>Customer Experience \u2014 The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index.<\/li>\n<\/ul>\n\n\n\n<p>Rates are based on recent market studies (e.g., Bankrate, NerdWallet, ValuePenguin, Insurance.com). These are sample rates and should be used for comparative purposes only. Your quotes may be different.<\/p>\n\n\n\n<p>The coverage limits for home insurance rates reflect the following coverage and limits:<\/p>\n\n\n\n<ul>\n<li>Coverage A, Dwelling: $250,000<\/li>\n\n\n\n<li>Coverage B, Other Structures: $25,000<\/li>\n\n\n\n<li>Coverage C, Personal Property: $125,000<\/li>\n\n\n\n<li>Coverage D, Loss of Use: $50,000<\/li>\n\n\n\n<li>Coverage E, Liability: $300,000<\/li>\n\n\n\n<li>Coverage F, Medical Payments: $1,000<\/li>\n<\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Finding the best homeowners insurance in Wisconsin is possible by comparing multiple providers based on premiums, customer satisfaction ratings, financial strength ratings, and coverage options. Erie, Auto-Owners, State Farm, and USAA all stand out after a thorough review of numerous carriers. Wisconsin remains comparatively affordable for a standard policy, with recent 2024 studies generally placing [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":344081,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[],"post_author":[26296],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Wisconsin Homeowners Insurance Companies | Reviews.com<\/title>\n<meta name=\"description\" content=\"Homeowners in Wisconsin have lots of options when it comes to homeowners insurance. 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