Best Wisconsin Homeowners Insurance for 2026
State Farm is best overall for WI home insurance, but West Bend and Farmers could be cheaper
Advertising Disclosures
Loading Disclosures…
- State Farm has Wisconsin’s best homeowners insurance for most people, with low rates and broad coverage options.
- Wisconsin home insurance costs an average of $1,897 per year.
- Severe weather, including flooding, wind, heavy snow and ice damage, is a major insurance consideration for Wisconsin homeowners.
Best homeowners insurance in Wisconsin
State Farm is the best homeowners insurance company in Wisconsin. It offers some of the best rates in the state along with strong third-party ratings and numerous coverage options.
If price is your main concern, consider West Bend. It has the lowest rates in Wisconsin, averaging $1,179 a year for $400,000 in coverage. That’s 38% cheaper than the state average.
Farmers also offers low rates plus a wide variety of discounts to help lower your premium. Consider this insurer if you think you’ll qualify
But finding the best homeowners insurance in Wisconsin means looking beyond price alone. We evaluated insurers based on average premiums, coverage options, available discounts, customer satisfaction, financial strength and overall value for homeowners across the state.
Based on those factors, these companies stand out as our top picks.
Best overall: State Farm
Average annual rate: $1,397
Why we chose it: State Farm has the second-lowest home insurance rates in Wisconsin, yet offers customers more coverage options than most other insurers in the state. The company gets top ratings for financial strength from AM Best, and ranks above-average in overall customer satisfaction by J.D. Power.
Who it’s best for: Wisconsin homeowners who want affordable rates, flexible coverage options and the financial security of working with one of the largest insurance companies in the nation.
PROS
- Low homeowners insurance premiums
- Top rating for financial strength
CONS
- Higher-than-average number of customer complaints
- Limited discounts compared to other insurers
Best cheap coverage: West Bend
Average annual rate: $1,179
Why we chose it: Quite simply, West Bend has the cheapest home insurance policies in Wisconsin at most coverage levels. It also offers discounts each year there are no claims on your policy. Plus, you can add pet coverage should your dog or cat get injured in a covered event, even in or around your property.
Who it’s best for: West Bend is best for Wisconsin homeowners who prioritize low insurance premiums and want reliable coverage from a financially strong regional insurer with deep roots in the Midwest.
PROS
- Lowest home insurance rates in the state
- Agents offer personalized service
CONS
- Limited number of discounts
- No online quotes or claims help
Best for discounts: Farmers
Average annual rate: $1,481
Why we chose it: Farmers offers the broadest range of discounts to make their already below-average rates even more affordable. You can save money by bundling coverage, having a new home and newer roof, installing protective devices in the home and more.
Who it’s best for: Farmers is best for Wisconsin homeowners who want multiple opportunities to lower their insurance costs through discounts. It may be particularly appealing to those who own newer homes, can bundle policies, or have invested in home safety and security features.
PROS
- Offers the most discounts to help you lower costs
- Gets 30% fewer customer complaints than average
CONS
- Limited home coverage options
- Not the cheapest policies in the state
Best for military families: USAA
Average annual rate: $1,710
Why we chose it: USAA is a strong option for military families due to its affordable rates and focus on serving the military community. The company also earns high marks for customer satisfaction and offers homeowners insurance coverage tailored to the unique needs of active-duty service members, veterans and their families.
Who it’s best for: USAA is best for eligible military members, veterans and their families who want dependable homeowners insurance coverage, competitive rates and a provider that understands the challenges and lifestyle of military service.
PROS
- Low number of customer complaints
- Tailored for military members
CONS
- More expensive than several other insurers
- Few available discounts to lower rates
Compare home insurance rates and ratings in Wisconsin
| Company | Average annual rate * | LendingTree rating | Complaint rating* | |
|---|---|---|---|---|
| West Bend | $1,179 | 4/5 | 0.06 |
| State Farm | $1,397 | 4.5/5 | 1.4 |
| Farmers | $1,481 | 3/5 | 0.7 |
 | Hastings Mutual | $1,527 | N/A | N/A |
 | Auto-Owners | $1,697 |  5/5 | 0.5 |
 | Farm Bureau | $1,738 | 4/5 | 0.6 |
 | Allstate | $1,808 | 3/5 | 1.2 |
| USAA** | $1,710 | 4/5 | 0.5 |
Wisconsin homeowners insurance rates can vary significantly between insurers, but comparing multiple options can help you find better pricing and coverage.
LendingTree analyzed thousands of quotes from top insurers across Wisconsin to identify the best options for homeowners.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in the state.
See full methodology.
How much is homeowners insurance in Wisconsin?
The average cost of home insurance in Wisconsin is $1,897 per year, or $158 a month.
While Wisconsin’s average rate is 28% lower than the national average, premiums can vary significantly based on your home’s age, location and coverage limits.
Severe weather events, including windstorms, hail, heavy snow and ice damage, can also affect insurance costs throughout the state. Homeowners in areas with a higher risk of weather-related claims may pay more for coverage, while those who bundle policies or qualify for discounts may be able to secure lower rates.
Average home insurance rates by dwelling coverage amount
How much dwelling coverage you need plays a significant role in the homeowners insurance premiums you’re asked to pay. The chart below shows the average cost of protection in Wisconsin across our top insurance picks.
| Company | $300,000 | $400,000 | $550,000 | $750,000 |
|---|---|---|---|---|
| West Bend | $911 | $1,179 | $1,574 | $2,044 |
| State Farm | $1,196 | $1,397 | $1,655 | $1,951 |
| Farmers | $1,066 | $1,481 | $1,827 | $2,354 |
| USAA | $1,449 | $1,710 | $2,074 | $2,536 |
| State average | $1,479 | $1,897 | $2,366 | $3,062 |
Home insurance rates in Wisconsin by city
Wisconsin homeowners insurance rates are relatively consistent statewide compared to many other parts of the country. The least expensive annual average rates can be found in Sheboygan ($1,477), Howards Grove ($1,479) and Sheboygan Falls ($1,497), all of which fall well below the statewide average of $1,897.
The most expensive cities for homeowners insurance in Wisconsin are Osceola ($2,373 per year), Dresser ($2,320) and Woodville ($2,313). Even so, homeowners in these areas still pay significantly less than the U.S. average homeowners insurance rate of $2,628 per year.
Overall, Wisconsin’s relatively moderate insurance costs and limited variation between cities can make it easier for homeowners to find affordable coverage regardless of where they live.
| City | Average rate |
|---|---|
| Abbotsford | $1,882 |
| Abrams | $1,743 |
| Adams | $2,013 |
| Adell | $1,530 |
| Afton | $1,850 |
| Albany | $1,906 |
| Algoma | $1,640 |
| Allenton | $1,765 |
| Allouez | $1,638 |
| Alma | $2,028 |
| Alma Center | $1,973 |
| Almena | $2,270 |
| Almond | $1,893 |
| Altoona | $1,920 |
| Amberg | $1,766 |
| Amery | $2,308 |
| Amherst | $1,915 |
| Amherst Junction | $1,918 |
| Aniwa | $1,806 |
| Antigo | $1,796 |
| Appleton | $1,687 |
| Arcadia | $2,087 |
| Arena | $1,884 |
| Argonne | $1,787 |
| Argyle | $1,996 |
| Arkansaw | $2,050 |
| Arkdale | $1,984 |
| Arlington | $1,847 |
| Armstrong Creek | $1,792 |
| Arpin | $2,064 |
| Ashland | $1,909 |
| Ashwaubenon | $1,636 |
| Athelstane | $1,761 |
| Athens | $1,819 |
| Auburndale | $2,046 |
| Augusta | $1,946 |
| Avalon | $1,841 |
| Avoca | $1,965 |
| Babcock | $2,077 |
| Bagley | $2,077 |
| Baileys Harbor | $1,554 |
| Baldwin | $2,302 |
| Balsam Lake | $2,263 |
| Bancroft | $1,951 |
| Bangor | $2,007 |
| Baraboo | $1,898 |
| Barneveld | $1,876 |
| Barron | $2,246 |
| Barronett | $2,219 |
| Bassett | $1,817 |
| Bay City | $2,142 |
| Bayfield | $1,951 |
| Bayside | $1,756 |
| Bear Creek | $1,806 |
| Beaver Dam | $1,695 |
| Beldenville | $2,085 |
| Belgium | $1,646 |
| Belleville | $1,806 |
| Bellevue | $1,643 |
| Belmont | $2,018 |
| Beloit | $1,850 |
| Benet Lake | $1,810 |
| Benoit | $2,046 |
| Benton | $2,026 |
| Berlin | $1,856 |
| Big Bend | $1,786 |
| Birchwood | $2,102 |
| Birnamwood | $1,770 |
| Biron | $2,046 |
| Black Creek | $1,757 |
| Black Earth | $1,734 |
| Black River Falls | $1,969 |
| Blair | $2,133 |
| Blanchardville | $1,980 |
| Blenker | $1,974 |
| Bloomer | $1,935 |
| Bloomington | $2,073 |
| Blue Mounds | $1,753 |
| Blue River | $2,049 |
| Bohners Lake | $1,884 |
| Bonduel | $1,781 |
| Boscobel | $2,081 |
| Boulder Junction | $1,783 |
| Bowler | $1,788 |
| Boyceville | $2,059 |
| Boyd | $1,894 |
| Brandon | $1,765 |
| Brantwood | $1,834 |
| Brice Prairie | $2,002 |
| Briggsville | $2,022 |
| Brill | $2,227 |
| Brillion | $1,746 |
| Bristol | $1,887 |
| Brodhead | $1,944 |
| Brokaw | $1,768 |
| Brookfield | $1,735 |
| Brooklyn | $1,804 |
| Brown Deer | $1,792 |
| Browns Lake | $1,879 |
| Brownsville | $1,702 |
| Browntown | $1,898 |
| Bruce | $1,980 |
| Brule | $2,003 |
| Brussels | $1,586 |
| Bryant | $1,810 |
| Burlington | $1,912 |
| Burnett | $1,710 |
| Butler | $1,725 |
| Butte Des Morts | $1,684 |
| Butternut | $1,914 |
| Cable | $1,996 |
| Cadott | $1,878 |
| Caledonia | $1,711 |
| Cambria | $1,917 |
| Cambridge | $1,774 |
| Cameron | $2,248 |
| Camp Douglas | $2,022 |
| Camp Lake | $1,905 |
| Campbellsport | $1,760 |
| Caroline | $1,795 |
| Cascade | $1,532 |
| Casco | $1,628 |
| Cashton | $2,055 |
| Cassville | $2,098 |
| Cataract | $2,054 |
| Catawba | $1,823 |
| Cazenovia | $1,915 |
| Cecil | $1,796 |
| Cedar Grove | $1,518 |
| Cedarburg | $1,666 |
| Centuria | $2,289 |
| Chain O’ Lakes | $1,924 |
| Chaseburg | $1,965 |
| Chenequa | $1,784 |
| Chetek | $2,261 |
| Chili | $1,938 |
| Chilton | $1,718 |
| Chippewa Falls | $1,892 |
| Clam Lake | $1,913 |
| Clayton | $2,308 |
| Clear Lake | $2,258 |
| Cleveland | $1,673 |
| Clinton | $1,867 |
| Clintonville | $1,933 |
| Clyman | $1,709 |
| Cobb | $1,952 |
| Cochrane | $2,013 |
| Colby | $1,875 |
| Coleman | $1,766 |
| Colfax | $2,027 |
| Colgate | $1,771 |
| Collins | $1,723 |
| Coloma | $1,939 |
| Columbus | $1,829 |
| Combined Locks | $1,714 |
| Como | $1,836 |
| Comstock | $2,274 |
| Conover | $1,783 |
| Conrath | $2,025 |
| Coon Valley | $2,016 |
| Cornell | $1,888 |
| Cornucopia | $1,949 |
| Cottage Grove | $1,720 |
| Couderay | $2,060 |
| Crandon | $1,785 |
| Crivitz | $1,768 |
| Cross Plains | $1,728 |
| Cuba City | $2,075 |
| Cudahy | $1,635 |
| Cumberland | $2,249 |
| Curtiss | $1,893 |
| Cushing | $2,300 |
| Custer | $1,922 |
| Dallas | $2,255 |
| Dalton | $1,895 |
| Danbury | $2,209 |
| Dane | $1,757 |
| Darien | $1,823 |
| Darlington | $2,012 |
| De Pere | $1,687 |
| De Soto | $1,973 |
| Deer Park | $2,265 |
| Deerbrook | $1,818 |
| Deerfield | $1,791 |
| DeForest | $1,729 |
| Delafield | $1,779 |
| Delavan | $1,821 |
| Delavan Lake | $1,824 |
| Dellwood | $1,984 |
| Delwood | $1,999 |
| Denmark | $1,728 |
| Dickeyville | $2,082 |
| Dodge | $2,102 |
| Dodgeville | $1,950 |
| Dorchester | $1,888 |
| Dousman | $1,807 |
| Downing | $2,111 |
| Downsville | $2,094 |
| Doylestown | $1,823 |
| Dresser | $2,320 |
| Drummond | $1,994 |
| Dunbar | $1,758 |
| Durand | $1,971 |
| Eagle | $1,800 |
| Eagle Lake | $1,801 |
| Eagle River | $1,772 |
| East Ellsworth | $2,144 |
| East Troy | $1,778 |
| Eastman | $2,031 |
| Eau Claire | $1,916 |
| Eau Galle | $2,017 |
| Eden | $1,721 |
| Edgar | $1,829 |
| Edgerton | $1,870 |
| Edmund | $1,916 |
| Egg Harbor | $1,563 |
| Eland | $1,799 |
| Elcho | $1,806 |
| Eldorado | $1,740 |
| Eleva | $2,036 |
| Elk Mound | $1,973 |
| Elkhart Lake | $1,532 |
| Elkhorn | $1,852 |
| Ellison Bay | $1,552 |
| Ellsworth | $2,139 |
| Elm Grove | $1,724 |
| Elmwood | $2,100 |
| Elmwood Park | $1,745 |
| Elroy | $2,006 |
| Elton | $1,809 |
| Embarrass | $1,913 |
| Endeavor | $2,025 |
| Ephraim | $1,567 |
| Ettrick | $2,128 |
| Evansville | $1,892 |
| Exeland | $1,972 |
| Fairchild | $1,952 |
| Fairwater | $1,786 |
| Fall Creek | $1,911 |
| Fall River | $1,849 |
| Fence | $1,743 |
| Fennimore | $2,077 |
| Ferryville | $2,026 |
| Fifield | $1,829 |
| Fish Creek | $1,557 |
| Fitchburg | $1,722 |
| Florence | $1,739 |
| Fond du Lac | $1,716 |
| Fontana | $1,809 |
| Fontana-on-Geneva Lake | $1,823 |
| Footville | $1,854 |
| Forest Junction | $1,764 |
| Forestville | $1,570 |
| Fort Atkinson | $1,805 |
| Fountain City | $1,998 |
| Fox Lake | $1,730 |
| Fox Point | $1,759 |
| Foxboro | $2,081 |
| Francis Creek | $1,697 |
| Franklin | $1,629 |
| Franksville | $1,699 |
| Frederic | $2,292 |
| Fredonia | $1,685 |
| Fremont | $1,878 |
| French Island | $1,969 |
| Friendship | $1,997 |
| Friesland | $1,847 |
| Galesville | $2,102 |
| Galloway | $1,837 |
| Gays Mills | $2,030 |
| Genesee Depot | $1,745 |
| Genoa | $1,975 |
| Genoa City | $1,831 |
| Germantown | $1,752 |
| Gile | $1,877 |
| Gillett | $1,761 |
| Gilman | $1,900 |
| Gilmanton | $1,931 |
| Gleason | $1,843 |
| Glen Flora | $2,008 |
| Glen Haven | $2,077 |
| Glenbeulah | $1,543 |
| Glendale | $1,774 |
| Glenwood City | $2,301 |
| Glidden | $1,922 |
| Goodman | $1,755 |
| Gordon | $2,073 |
| Gotham | $1,957 |
| Grafton | $1,640 |
| Grand Marsh | $2,020 |
| Grand View | $1,991 |
| Granton | $1,948 |
| Grantsburg | $2,244 |
| Gratiot | $2,018 |
| Green Bay | $1,641 |
| Green Lake | $1,870 |
| Green Valley | $1,808 |
| Greendale | $1,625 |
| Greenfield | $1,675 |
| Greenleaf | $1,749 |
| Greenville | $1,714 |
| Greenwood | $1,919 |
| Gresham | $1,805 |
| Hager City | $2,137 |
| Hales Corners | $1,622 |
| Hammond | $2,274 |
| Hancock | $1,954 |
| Hannibal | $1,880 |
| Hanover | $1,917 |
| Harshaw | $1,792 |
| Hartford | $1,766 |
| Hartland | $1,786 |
| Hatley | $1,821 |
| Haugen | $2,245 |
| Hawkins | $1,985 |
| Hayward | $2,049 |
| Hazel Green | $2,052 |
| Hazelhurst | $1,805 |
| Heafford Junction | $1,869 |
| Helenville | $1,793 |
| Herbster | $1,954 |
| Hertel | $2,192 |
| Hewitt | $2,028 |
| High Bridge | $1,934 |
| Highland | $1,961 |
| Hilbert | $1,699 |
| Hillpoint | $1,899 |
| Hillsboro | $1,973 |
| Hingham | $1,517 |
| Hixton | $1,974 |
| Hobart | $1,662 |
| Holcombe | $1,894 |
| Hollandale | $1,879 |
| Holmen | $2,004 |
| Horicon | $1,697 |
| Hortonville | $1,750 |
| Houlton | $2,250 |
| Howard | $1,639 |
| Howards Grove | $1,479 |
| Hubertus | $1,753 |
| Hudson | $2,271 |
| Humbird | $1,952 |
| Hurley | $1,877 |
| Hustisford | $1,689 |
| Hustler | $1,990 |
| Independence | $2,078 |
| Iola | $1,918 |
| Irma | $1,846 |
| Iron Belt | $1,876 |
| Iron Ridge | $1,688 |
| Iron River | $1,980 |
| Ixonia | $1,771 |
| Jackson | $1,759 |
| Janesville | $1,836 |
| Jefferson | $1,790 |
| Jim Falls | $1,889 |
| Johnson Creek | $1,776 |
| Juda | $1,897 |
| Jump River | $1,892 |
| Junction City | $1,939 |
| Juneau | $1,702 |
| Kansasville | $1,801 |
| Kaukauna | $1,710 |
| Kellnersville | $1,697 |
| Kendall | $2,024 |
| Kennan | $1,816 |
| Kenosha | $1,731 |
| Keshena | $1,783 |
| Kewaskum | $1,771 |
| Kewaunee | $1,643 |
| Kiel | $1,697 |
| Kieler | $2,063 |
| Kimberly | $1,720 |
| King | $1,916 |
| Knapp | $2,118 |
| Knowlton | $1,830 |
| Kohler | $1,508 |
| Krakow | $1,789 |
| Kronenwetter | $1,804 |
| La Crosse | $1,960 |
| La Farge | $1,975 |
| La Pointe | $1,884 |
| La Valle | $1,905 |
| Lac du Flambeau | $1,800 |
| Ladysmith | $1,994 |
| Lake Arrowhead | $1,979 |
| Lake Delton | $1,956 |
| Lake Geneva | $1,834 |
| Lake Hallie | $1,886 |
| Lake Koshkonong | $1,808 |
| Lake Lorraine | $1,812 |
| Lake Mills | $1,799 |
| Lake Nebagamon | $1,987 |
| Lake Ripley | $1,761 |
| Lake Tomahawk | $1,793 |
| Lake Wazeecha | $2,047 |
| Lake Wisconsin | $1,851 |
| Lake Wissota | $1,884 |
| Lakewood | $1,756 |
| Lancaster | $2,074 |
| Land O Lakes | $1,774 |
| Lannon | $1,780 |
| Laona | $1,785 |
| Larsen | $1,684 |
| Lauderdale Lakes | $1,844 |
| Legend Lake | $1,783 |
| Lena | $1,751 |
| Leopolis | $1,796 |
| Lime Ridge | $1,883 |
| Linden | $1,943 |
| Little Chute | $1,704 |
| Little Round Lake | $2,047 |
| Little Suamico | $1,747 |
| Livingston | $2,075 |
| Lodi | $1,854 |
| Loganville | $1,893 |
| Lomira | $1,701 |
| Lone Rock | $2,007 |
| Long Lake | $1,775 |
| Lowell | $1,715 |
| Loyal | $1,924 |
| Lublin | $1,919 |
| Luck | $2,304 |
| Luxemburg | $1,652 |
| Lyndon Station | $2,009 |
| Madison | $1,758 |
| Maiden Rock | $2,144 |
| Malone | $1,732 |
| Manawa | $1,917 |
| Manitowish Waters | $1,778 |
| Manitowoc | $1,672 |
| Maple | $1,991 |
| Maple Bluff | $1,697 |
| Maplewood | $1,628 |
| Marathon | $1,825 |
| Marathon City | $1,823 |
| Marengo | $1,925 |
| Maribel | $1,697 |
| Marinette | $1,712 |
| Marion | $1,897 |
| Markesan | $1,886 |
| Marshall | $1,793 |
| Marshfield | $1,947 |
| Mason | $1,983 |
| Mather | $2,001 |
| Mattoon | $1,771 |
| Mauston | $2,023 |
| Mayville | $1,708 |
| Mazomanie | $1,743 |
| Mc Naughton | $1,795 |
| McFarland | $1,714 |
| Medford | $1,885 |
| Mellen | $1,914 |
| Melrose | $1,967 |
| Menasha | $1,703 |
| Menomonee Falls | $1,736 |
| Menomonie | $2,019 |
| Mequon | $1,629 |
| Mercer | $1,868 |
| Merrill | $1,833 |
| Merrillan | $1,963 |
| Merrimac | $1,933 |
| Merton | $1,787 |
| Middleton | $1,724 |
| Mikana | $2,144 |
| Milladore | $2,071 |
| Millston | $1,959 |
| Milltown | $2,296 |
| Milton | $1,827 |
| Milwaukee | $1,915 |
| Mindoro | $2,014 |
| Mineral Point | $1,969 |
| Minocqua | $1,795 |
| Minong | $2,082 |
| Mishicot | $1,697 |
| Mondovi | $2,046 |
| Monona | $1,702 |
| Monroe | $1,889 |
| Montello | $1,985 |
| Montfort | $2,076 |
| Monticello | $1,900 |
| Montreal | $1,880 |
| Morrisonville | $1,754 |
| Mosinee | $1,815 |
| Mount Calvary | $1,724 |
| Mount Hope | $2,084 |
| Mount Horeb | $1,733 |
| Mount Pleasant | $1,741 |
| Mount Sterling | $1,995 |
| Mountain | $1,758 |
| Mukwonago | $1,792 |
| Muscoda | $2,050 |
| Muskego | $1,730 |
| Nashotah | $1,780 |
| Necedah | $2,031 |
| Neenah | $1,632 |
| Neillsville | $1,933 |
| Nekoosa | $2,030 |
| Nelson | $2,065 |
| Nelsonville | $1,924 |
| Neopit | $1,782 |
| Neosho | $1,689 |
| Neshkoro | $1,974 |
| New Auburn | $2,012 |
| New Berlin | $1,721 |
| New Franken | $1,731 |
| New Glarus | $1,870 |
| New Holstein | $1,709 |
| New Lisbon | $2,023 |
| New London | $1,813 |
| New Munster | $1,871 |
| New Post | $2,064 |
| New Richmond | $2,285 |
| Newburg | $1,739 |
| Newton | $1,681 |
| Niagara | $1,738 |
| Nichols | $1,691 |
| North Fond du Lac | $1,718 |
| North Freedom | $1,964 |
| North Hudson | $2,272 |
| North Lake | $1,811 |
| North Prairie | $1,786 |
| Norwalk | $2,069 |
| Oak Creek | $1,639 |
| Oakfield | $1,732 |
| Oconomowoc | $1,781 |
| Oconomowoc Lake | $1,801 |
| Oconto | $1,746 |
| Oconto Falls | $1,780 |
| Odanah | $1,979 |
| Ogdensburg | $1,913 |
| Ogema | $1,822 |
| Ojibwa | $2,053 |
| Okauchee | $1,777 |
| Okauchee Lake | $1,798 |
| Omro | $1,669 |
| Onalaska | $2,000 |
| Oneida | $1,721 |
| Ontario | $1,998 |
| Oostburg | $1,513 |
| Oregon | $1,722 |
| Orfordville | $1,884 |
| Osceola | $2,373 |
| Oshkosh | $1,635 |
| Osseo | $2,010 |
| Owen | $1,906 |
| Oxford | $2,022 |
| Paddock Lake | $1,895 |
| Palmyra | $1,809 |
| Pardeeville | $1,881 |
| Park Falls | $1,823 |
| Park Ridge | $1,903 |
| Pearson | $1,812 |
| Pelican Lake | $1,781 |
| Pell Lake | $1,829 |
| Pembine | $1,760 |
| Pepin | $2,016 |
| Peshtigo | $1,753 |
| Pewaukee | $1,754 |
| Phelps | $1,783 |
| Phillips | $1,837 |
| Phlox | $1,840 |
| Pickerel | $1,808 |
| Pickett | $1,686 |
| Pigeon Falls | $2,073 |
| Pine River | $1,907 |
| Pittsville | $2,061 |
| Plain | $1,990 |
| Plainfield | $1,937 |
| Platteville | $2,063 |
| Pleasant Prairie | $1,780 |
| Plover | $1,919 |
| Plum City | $2,116 |
| Plymouth | $1,515 |
| Poplar | $2,010 |
| Port Edwards | $2,044 |
| Port Washington | $1,638 |
| Port Wing | $1,959 |
| Portage | $1,830 |
| Porterfield | $1,759 |
| Post Lake | $1,805 |
| Potosi | $2,085 |
| Potter | $1,723 |
| Potter Lake | $1,771 |
| Pound | $1,756 |
| Powers Lake | $1,858 |
| Poy Sippi | $1,898 |
| Poynette | $1,857 |
| Prairie Du Chien | $2,024 |
| Prairie du Sac | $1,934 |
| Prairie Farm | $2,276 |
| Prentice | $1,820 |
| Prescott | $2,096 |
| Presque Isle | $1,787 |
| Princeton | $1,889 |
| Pulaski | $1,734 |
| Racine | $1,726 |
| Radisson | $1,969 |
| Randolph | $1,803 |
| Random Lake | $1,517 |
| Readfield | $1,921 |
| Readstown | $2,008 |
| Redgranite | $1,896 |
| Reedsburg | $1,883 |
| Reedsville | $1,709 |
| Reeseville | $1,734 |
| Rewey | $1,965 |
| Rhinelander | $1,781 |
| Rib Lake | $1,897 |
| Rib Mountain | $1,752 |
| Rice Lake | $2,237 |
| Richfield | $1,756 |
| Richland Center | $1,941 |
| Ridgeland | $2,038 |
| Ridgeway | $1,881 |
| Ringle | $1,811 |
| Rio | $1,845 |
| Ripon | $1,820 |
| River Falls | $2,186 |
| River Hills | $1,761 |
| Roberts | $2,276 |
| Rochester | $1,819 |
| Rock Springs | $1,885 |
| Rockland | $2,019 |
| Rosendale | $1,729 |
| Rosholt | $1,914 |
| Rothschild | $1,764 |
| Rubicon | $1,686 |
| Rudolph | $2,054 |
| Salem | $1,901 |
| Sandy Hook | $2,048 |
| Sarona | $2,087 |
| Sauk City | $1,864 |
| Saukville | $1,658 |
| Saxon | $1,893 |
| Sayner | $1,792 |
| Scandinavia | $1,913 |
| Schofield | $1,771 |
| Sextonville | $1,969 |
| Seymour | $1,784 |
| Sharon | $1,828 |
| Shawano | $1,787 |
| Sheboygan | $1,477 |
| Sheboygan Falls | $1,497 |
| Sheldon | $1,954 |
| Shell Lake | $2,133 |
| Sherwood | $1,688 |
| Shiocton | $1,767 |
| Shorewood | $1,806 |
| Shorewood Hills | $1,720 |
| Shullsburg | $2,021 |
| Silver Lake | $1,891 |
| Sinsinawa | $2,039 |
| Siren | $2,212 |
| Sister Bay | $1,547 |
| Slinger | $1,758 |
| Sobieski | $1,745 |
| Soldiers Grove | $2,023 |
| Solon Springs | $1,986 |
| Somerset | $2,259 |
| South Milwaukee | $1,633 |
| South Range | $2,012 |
| South Wayne | $2,000 |
| Sparta | $1,983 |
| Spencer | $1,872 |
| Spooner | $2,102 |
| Spring Green | $1,981 |
| Spring Valley | $2,140 |
| Springbrook | $2,081 |
| St. Cloud | $1,734 |
| St. Croix Falls | $2,311 |
| St. Francis | $1,711 |
| St. Germain | $1,783 |
| St. Nazianz | $1,713 |
| St. Peter | $1,720 |
| Stanley | $1,896 |
| Star Lake | $1,789 |
| Star Prairie | $2,239 |
| Stetsonville | $1,892 |
| Steuben | $2,012 |
| Stevens Point | $1,893 |
| Stitzer | $2,053 |
| Stockholm | $2,033 |
| Stoddard | $1,959 |
| Stone Lake | $2,072 |
| Stoughton | $1,735 |
| Stratford | $1,848 |
| Strum | $2,042 |
| Sturgeon Bay | $1,563 |
| Sturtevant | $1,737 |
| Suamico | $1,683 |
| Sullivan | $1,761 |
| Summit Lake | $1,806 |
| Sun Prairie | $1,698 |
| Superior | $2,000 |
| Suring | $1,761 |
| Sussex | $1,793 |
| Tainter Lake | $2,029 |
| Taylor | $1,987 |
| Theresa | $1,711 |
| Thiensville | $1,635 |
| Thorp | $1,933 |
| Three Lakes | $1,773 |
| Tichigan | $1,756 |
| Tigerton | $1,793 |
| Tilleda | $1,787 |
| Tisch Mills | $1,703 |
| Tomah | $1,990 |
| Tomahawk | $1,817 |
| Tony | $1,997 |
| Townsend | $1,762 |
| Trego | $2,076 |
| Trempealeau | $2,077 |
| Trevor | $1,906 |
| Tripoli | $1,806 |
| Tunnel City | $2,009 |
| Turtle Lake | $2,272 |
| Twin Lakes | $1,852 |
| Two Rivers | $1,665 |
| Union Center | $1,946 |
| Union Grove | $1,777 |
| Unity | $1,886 |
| Upson | $1,880 |
| Valders | $1,698 |
| Van Dyne | $1,725 |
| Verona | $1,718 |
| Vesper | $2,045 |
| Viola | $1,932 |
| Viroqua | $1,993 |
| Wabeno | $1,784 |
| Waldo | $1,517 |
| Wales | $1,788 |
| Walworth | $1,831 |
| Warrens | $1,968 |
| Washburn | $1,954 |
| Washington Island | $1,554 |
| Waterford | $1,760 |
| Waterloo | $1,771 |
| Watertown | $1,726 |
| Waukau | $1,686 |
| Waukesha | $1,727 |
| Waunakee | $1,715 |
| Waupaca | $1,919 |
| Waupun | $1,765 |
| Wausau | $1,758 |
| Wausaukee | $1,767 |
| Wautoma | $1,927 |
| Wauwatosa | $1,716 |
| Wauzeka | $2,027 |
| Webster | $2,207 |
| West Allis | $1,661 |
| West Baraboo | $1,900 |
| West Bend | $1,736 |
| West Milwaukee | $1,676 |
| West Salem | $2,008 |
| Westboro | $1,895 |
| Westby | $1,990 |
| Westfield | $2,018 |
| Weston | $1,768 |
| Weyauwega | $1,914 |
| Weyerhaeuser | $2,097 |
| Wheeler | $2,067 |
| White Lake | $1,812 |
| Whitefish Bay | $1,783 |
| Whitehall | $2,036 |
| Whitelaw | $1,702 |
| Whitewater | $1,803 |
| Whiting | $1,904 |
| Wild Rose | $1,944 |
| Willard | $1,941 |
| Williams Bay | $1,828 |
| Wilmot | $1,878 |
| Wilson | $2,281 |
| Wilton | $2,091 |
| Wind Lake | $1,753 |
| Wind Point | $1,719 |
| Windsor | $1,721 |
| Winnebago | $1,668 |
| Winneconne | $1,665 |
| Winter | $1,972 |
| Wisconsin Dells | $1,961 |
| Wisconsin Rapids | $2,029 |
| Withee | $1,919 |
| Wittenberg | $1,776 |
| Wonewoc | $1,992 |
| Woodford | $1,926 |
| Woodland | $1,698 |
| Woodman | $2,062 |
| Woodruff | $1,774 |
| Woodville | $2,313 |
| Woodworth | $1,849 |
| Wrightstown | $1,748 |
| Wyocena | $1,877 |
| Zachow | $1,788 |
| Zenda | $1,825 |
Current state of homeowners insurance in Wisconsin
Wisconsin homeowners insurance remains relatively affordable compared to other states, including its neighbors. The state’s average cost of $1,897 per year is well below what homeowners are paying in nearby Michigan ($2,545), Minnesota ($3,150), Illinois ($2,987) and Iowa ($3,492).
However, even with these lower costs, Wisconsin homeowners have seen their premiums rise sharply in the past few years, with costs going up by 50% since 2021. That’s slightly higher than the national average of 48%. Higher construction costs and more frequent severe weather events, including wind, hail and heavy snow, have contributed to rising rates.
Because rebuilding costs continue to climb, having adequate coverage is especially important in Wisconsin. Homeowners should regularly review their policy limits to ensure they can fully repair or rebuild after a major loss.
In April 2026, communities across northeast Wisconsin grappled with the aftermath of heavy rains and flooding. Many residents did not have a separate flood insurance policy or sewer drain/sump pump backup coverage to protect them, and so were left to pay the repair costs themselves.
How to compare homeowners insurance in Wisconsin
When comparing homeowners insurance options in Wisconsin, don’t focus on price alone. Consider the following factors, too:
- Coverage limits: Make sure you choose the right amount of dwelling coverage, or the amount the insurance company will pay you, to fully rebuild your home after a major loss. This is especially vital if you live in an area where damage from severe weather is common.
- Deductibles: Choose a deductible that you can comfortably afford out of pocket if you need to file a claim after wind, hail or winter storm damage. The higher the deductible, the lower your monthly costs.
- Exclusions: Review what is not covered by your policy. Standard homeowners insurance in Wisconsin typically does not include flood damage, for example.
- Add-ons: Look for optional protections, or endorsements, like replacement cost coverage, water backup coverage or extended dwelling coverage, which strengthen your policy and protect you further.
- Discounts: Ask about savings for installing security systems, going paperless or maintaining a claims-free history.
And if you own one or more vehicles, consider bundling your home and auto insurance. Many insurers in Wisconsin offer meaningful discounts when you bundle different coverage types.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
Wisconsin generally has a lower risk of large-scale disasters like hurricanes, tornadoes or wildfires, which helps keep premiums lower. However, severe wind, hail and winter storms still contribute to claims and pricing.
The biggest risks include flooding, windstorms, hail damage, heavy snow and ice. These events can lead to roof damage, frozen pipes and other costly repairs.
If your homeowners insurance policy is nonrenewed, you can shop with other standard carriers. Working with a local insurance agent can help you compare options and maintain continuous coverage.
If your home insurance is canceled or not renewed because your home is deemed too high-risk, you can also see if you’re eligible for the Wisconsin Insurance Plan, which is the state’s FAIR plan, or last-resort insurance. These policies usually cost more and give less coverage, so it’s best to see if you can get coverage elsewhere.
Methodology
How we chose the best homeowners insurance in Wisconsin
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Wisconsin ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
For third-party customer service ratings, we included NAIC’s complaint index scores and financial strength ratings from A.M. Best. NAIC complaint index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
See our home insurance ratings methodology and full editorial guidelines for further details.
**USAA is only available to current and former members of the military, their spouses, children of USAA members and certain federal employees.