Wisconsin Home Insurance at a Glance
For the same house, homeowners insurance in Wisconsin averaged $1,774 a year ($148 a month) across the 4 insurers we compared, 42.8% below the average of the 50 states and D.C. That’s for a 2,000 sq ft wood-frame house with a composition roof, built in 1997 and insured for $300,000 with a $1,000 deductible.
For the same home, prices among the 4 insurers we compared ranged from $133 to $158 a month, a $25-a-month gap for identical coverage. These are sample prices for one example home, not quotes or offers.
- $300K dwelling
- $1,000 deductible
- $300K liability
- Built 1997
- Composition roof
- 2,000 sq ft wood-frame house
- See the homes we priced
Rates as of Sept. 30, 2026 · Page updated Nov. 2, 2026
Wisconsin home insurance: key numbers
- Home
- $1,774/yr $148/mo
- Renters
- $199/yr $17/mo
- Condo
- $324/yr $27/mo
How much is homeowners insurance in Wisconsin?
Homeowners insurance in Wisconsin averages $148 a month for the house we priced, with rates as of Sept. 30, 2026. The 4 major insurers we compared are Auto-Owners, State Farm, American Family and Acuity, across 272 Wisconsin ZIP codes in 62 counties; not every insurer priced every ZIP code. For this house, Wisconsin is the 12th least expensive of the 50 states and D.C.
Our figures are for a $300,000 dwelling; insuring a larger or costlier house for more usually costs more.
For the same insurers and ZIP codes, the Wisconsin average fell 10.5% since Nov. 2025, from $1,982 a year ($165 a month) on Nov. 30, 2025, to $1,774 ($148) on Sept. 30, 2026, as American Family’s fell 20.4%, Acuity’s fell 9.6% and State Farm’s fell 6.1%.
Homeowners insurance averages by insurer in Wisconsin for our sample home (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| Auto-Owners | $133 | $1,590 |
| State Farm | $147 | $1,761 |
| American Family | $157 | $1,884 |
| Acuity | $158 | $1,891 |
Auto-Owners averaged $133 a month ($1,590 a year), State Farm $147 ($1,761), American Family $157 ($1,884) and Acuity $158 ($1,891) for our sample home.
Same sample home: each insurer’s average yearly price in the same Wisconsin ZIP codes, Nov. 30, 2025 and Sept. 30, 2026
| Insurer | Nov. 30, 2025 (per year) | Sept. 30, 2026 (per year) | Change |
|---|---|---|---|
| Auto-Owners | $1,617 | $1,590 | −1.7% |
| State Farm | $1,875 | $1,761 | −6.1% |
| Acuity | $2,092 | $1,891 | −9.6% |
| American Family | $2,367 | $1,884 | −20.4% |
Each insurer is compared with itself in the ZIP codes it priced on both dates: Auto-Owners 272, State Farm 272, Acuity 221 and American Family 272.
By ZIP code: each insurer’s yearly price for the same house changed with the Wisconsin address:
- Auto-Owners ran from $1,345 to $2,074 a year by ZIP code and priced all 272 Wisconsin ZIP codes in our data.
- State Farm ran from $1,429 to $2,201 a year by ZIP code and priced all 272 Wisconsin ZIP codes in our data.
- American Family ran from $1,373 to $2,319 a year by ZIP code and priced all 272 Wisconsin ZIP codes in our data.
- Acuity ran from $1,445 to $2,419 a year by ZIP code and priced 221 of the 272 Wisconsin ZIP codes in our data.
Who has the cheapest homeowners insurance in Wisconsin?
Auto-Owners had the lowest home average for our sample home of the insurers anyone can buy from, $133 a month ($1,590 a year), 9.7% below State Farm’s $1,761 a year, the next of those insurers. It may not be the lowest for your house, so compare a few quotes.
What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In Wisconsin, ZIP code averages for this house ran from $123 a month in Sheboygan to $181 in Somerset, while insurers’ statewide averages ran from $133 to $158.
WisconsinRates as of Sept. 30, 2026
Wisconsin Home Insurance Cost Calculator
Same sample home and coverage in all 272 Wisconsin ZIP codes we priced, from insurers’ filed rates. Only the insurer and the ZIP code change.
In Wisconsin, our sample house costs $148 a month ($1,774 a year) on average across 272 ZIP codes and 4 insurers. Rates as of Sept. 30, 2026.
| Insurer | A month | A year | ZIP codes priced |
|---|---|---|---|
| Auto-Owners | $133 | $1,590 | 272 |
| State Farm | $147 | $1,761 | 272 |
| American Family | $157 | $1,884 | 272 |
| AcuityPriced in 221 of 272 ZIP codes | $158 | $1,891 | 221 |
Our sample houseSame in every ZIP code, so only the price changes
- 2,000 sq ft, two-story
- Frame house, composition roof
- Built in 1997
- $300,000 dwelling coverage
- $300,000 liability
- $1,000 deductible
- 2% hurricane deductible where used
- Owner 40, good credit, no claims in 10 years
Sample prices built from insurers’ filed rates, not quotes or offers.
- Lowest and highest ZIP code averages: 53081 (Sheboygan) at $123 a month and 54025 (Somerset) at $181 a month.
- Not in these numbers: some prices from Acuity for this policy carry an insurer note we’re still reviewing, so they stay out until we decide, and we don’t name a lowest price here.
Try a ZIP code:
- Same sample policy in every ZIP code
- Insurers’ filed rates as of Sept. 30, 2026
- Sample prices, not quotes or offers
How we priced this
We priced one sample policy per type. House: a 2,000-square-foot, two-story frame house with a composition roof, built in 1997, with $300,000 in dwelling coverage, $300,000 liability, a $1,000 deductible and a 2% hurricane deductible; a 40-year-old owner with good credit and no claims in 10 years. Condo: a condo policy with $60,000 of condo coverage, $300,000 liability and a $1,000 deductible (building built in 2005); a 40-year-old owner with good credit and no claims. Renters: a renters policy with $40,000 for your belongings, $300,000 liability and a $1,000 deductible; a 40-year-old renter with good credit and no claims. For each insurer and ZIP code we use the lowest price it returned that can actually be bought; a ZIP code’s average is the average of its insurers, and the Wisconsin average is the average of its ZIP codes, so each ZIP code counts once.
When one insurer’s lead over the next is under 5% or over 30%, we name the two lowest instead of one. Insurers that sell only to members (USAA, AAA clubs) are labeled and never called the lowest price anyone can buy.
Your ZIP code matters
Where is home insurance cheapest in Wisconsin? Costs by city
For the same house, Green Bay has the lowest average of the cities in the table with at least 5 ZIP codes, $126 a month, and Milwaukee the highest, $150, 1.3% above the state average. 5 more cities have only 3 or 4 ZIP codes in our data and are marked as small samples.
Same sample home: average home insurance prices in 9 Wisconsin cities (rates as of Sept. 30, 2026)
| City | Per month | Per year | vs. state |
|---|---|---|---|
| Green Bay 6 ZIP codes | $126 | $1,514 | −14.7% |
| Appleton 4 ZIP codes, small sample | $129 | $1,551 | −12.6% |
| Oshkosh 3 ZIP codes, small sample | $137 | $1,646 | −7.2% |
| Waukesha 3 ZIP codes, small sample | $138 | $1,658 | −6.6% |
| Kenosha 4 ZIP codes, small sample | $145 | $1,734 | −2.3% |
| Racine 5 ZIP codes | $145 | $1,739 | −2.0% |
| Madison 12 ZIP codes | $149 | $1,785 | +0.6% |
| Milwaukee 27 ZIP codes | $150 | $1,797 | +1.3% |
| Janesville 3 ZIP codes, small sample | $154 | $1,844 | +3.9% |
| Wisconsin 272 ZIP codes | $148 | $1,774 | Baseline |
Each city covers the ZIP codes in our data with that city as their main mailing address; small sample means fewer than 5 ZIP codes.
Lowest vs. highest ZIP code for our sample home (rates as of Sept. 30, 2026)
Lowest
53081
Sheboygan (Sheboygan County)
$123/mo
$1,473 a year
Highest
54025
Somerset (St. Croix County)
$181/mo
$2,177 a year
Of the 272 Wisconsin ZIP codes we priced, Somerset’s 54025 had the highest average for our sample home, about 1.5 times that of the lowest, 53081 in Sheboygan.
The five highest-priced ZIP codes are 54025 in Somerset ($181 a month), 54017 in New Richmond ($181 a month), 54020 in Osceola ($180 a month), 54024 in St. Croix Falls ($180 a month) and 54016 in Hudson ($179 a month).
The five lowest-priced ZIP codes are 53081 in Sheboygan ($123 a month), 54235 in Sturgeon Bay ($123 a month), 54143 in Marinette ($124 a month), 54301 in Green Bay ($125 a month) and 54302 in Green Bay ($125 a month).
Same house, different state: how does Wisconsin compare?
Wisconsin costs less for the identical house than all 4 of its neighbors: its $148 a month is 36.4% below Illinois’ $232.
Same sample home: average home insurance prices in Wisconsin, neighboring states and the 50 states and D.C. (rates as of Sept. 30, 2026)
| Place | Per month | Per year | Wisconsin vs. this place |
|---|---|---|---|
| Wisconsin | $148 | $1,774 | Baseline |
| Illinois | $232 | $2,788 | −36.4% |
| Minnesota | $272 | $3,260 | −45.6% |
| Iowa | $301 | $3,608 | −50.8% |
| Michigan | $382 | $4,586 | −61.3% |
| Average of the 50 states and D.C. | $258 | $3,101 | −42.8% |
Same sample house in every state; each figure averages every insurer we priced there, so one high-priced insurer can lift a state’s average.
Of the other 49 states and D.C., 11 have a lower average for this house than Wisconsin and 39 a higher one.
Compare all states: home insurance costs for the same house in all 50 states and D.C.
What does a Wisconsin homeowners policy cover?
A standard homeowners policy pays to repair or rebuild after covered damage such as fire, lightning, wind and hail, theft and some water damage from burst pipes; flood and earthquake damage need separate coverage. All six coverages below are inside the $1,774-a-year Wisconsin average for our sample home.
- Dwelling ($300,000): the house itself, from the foundation to the roof.
- Other structures ($30,000): a detached garage, carport, fence or shed.
- Personal property ($150,000): furniture, clothes and electronics.
- Loss of use ($30,000): a rental and other extra costs while repairs keep you out.
- Personal liability ($300,000): legal defense and damages if you’re responsible for someone’s injury or property damage.
- Medical payments ($5,000): smaller medical bills for a guest hurt at your home.
Say a storm damages the roof and the repair costs $15,000. With the $1,000 deductible we priced, the policy would pay up to $14,000. With a 2% wind and hail deductible on the same $300,000 house, you’d pay the first $6,000 instead, and the policy up to $9,000.
How much is homeowners insurance on a $300,000 house in Wisconsin?
For a house with $300,000 of rebuilding coverage and a $1,000 deductible, homeowners insurance in Wisconsin averages $148 a month ($1,774 a year) across the 4 insurers we compared in 272 ZIP codes (rates as of Sept. 30, 2026). That’s 42.8% below the $258-a-month average of the 50 states and D.C. for the same house. Insurers’ averages for that same house ran from $133 to $158 a month.
Is $200 a month a lot for home insurance in Wisconsin?
$200 a month is 35.3% above our sample home’s $148-a-month Wisconsin average; Wisconsin is the 12th least expensive of the 50 states and D.C. for this house. All 4 insurers we compared averaged under $200 for the same house. If a quote for your home is near $200, compare its dwelling limit and deductibles with ours ($300,000 and $1,000) before you decide.
Why your Wisconsin quote may differ from these prices
Use our one-house figures as a starting point when you compare homeowners insurance quotes for yours.
Your roof: Our sample house has a composition roof, and we priced it without a roof age. Insurers often charge more for older roofs, so ask how your roof’s age and material change your quote.
Your claims and credit: a recent claim, or weaker credit where an insurer uses it, can push a Wisconsin quote above the $148 a month our claim-free, good-credit owner averages.
Your deductibles: our house has one $1,000 deductible for covered losses other than a hurricane. If your policy has a separate percentage deductible for wind and hail, your premium and your out-of-pocket cost after a storm will both differ from ours.
What is the 80% rule in homeowners insurance?
A consumer guide from the National Association of Insurance Commissioners, the group of state insurance regulators, explains that many policies reduce a partial-loss payment if you insure for less than 80% of your home’s replacement cost, the cost to rebuild it. For our $300,000 sample house, that’s at least $240,000, so check your limit against a current rebuilding cost, not the home’s market value.
Why is home insurance cheaper in Wisconsin than in most states?
For our sample house, Wisconsin is the 12th least expensive of the 50 states and D.C. Our figures don’t separate causes; these official records show what Wisconsin homes face.
Wisconsin’s Office of the Commissioner of Insurance reminds homeowners that a standard policy doesn’t include water damage from flooding, so flood coverage is a separate policy.
How do wind and hail deductibles work in Wisconsin?
Your deductible is the amount you pay out of pocket on each claim before your insurer pays. The house we priced has a $1,000 deductible for covered losses other than a hurricane, including wind and hail. Our sample home request also includes a 2% hurricane deductible, a setting we use in every state; real Wisconsin policies may use a separate wind and hail deductible, so ask for yours.
Your wind and hail deductible in dollars (illustration only)
| Dwelling coverage | 1% | 2% | 5% |
|---|---|---|---|
| $200,000 | $2,000 | $4,000 | $10,000 |
| $300,000 (our sample home) | $3,000 | $6,000 | $15,000 |
| $400,000 | $4,000 | $8,000 | $20,000 |
The table shows deductibles, not premiums. At 2%, the deductible on our sample home’s $300,000 dwelling is $6,000, more than the $1,774 a year that house averages in Wisconsin.
A higher deductible usually lowers your premium, so weigh the lower price against the bigger bill you’d face after a storm.
How to find cheaper home insurance in Wisconsin
For our sample home, Wisconsin insurers’ statewide averages ran from $1,590 to $1,891 a year. These are the levers you control; how much each one moves a quote depends on the insurer and the house, and none of them comes with a promised price.
Compare at least three insurers: even one insurer’s price moves a lot by address: Acuity’s for our sample home ran from $1,445 to $2,419 a year depending on the Wisconsin ZIP code.
Price two deductibles: ask each insurer for the premium at your current deductible and one step higher, and keep any percentage wind and hail deductible in dollars in mind (2% of $300,000 is $6,000, about 41 months of Wisconsin’s $148-a-month average premium).
Ask about a tougher roof and safety devices: impact-resistant roofing, smoke detectors, burglar alarms and dead-bolt locks are common discounts to ask about.
Bundle with care: some insurers take roughly 5% to 15% off when you buy home and car insurance together, the Insurance Information Institute says; compare both ways before you decide.
Keep the coverage you need: insuring at least 80% of the rebuilding cost protects you on partial losses, so a lower price that comes from a lower limit can cost you after a large claim.
Guard a clean record: our sample owner has no claims in 10 years, and the $148-a-month Wisconsin average assumes that clean record; a recent claim can raise a quote.
What if an insurer won’t renew your Wisconsin home?
Wisconsin insurers must send a nonrenewal notice at least 60 days before the policy ends, with the reason and how to apply to the Wisconsin Insurance Plan, the Office of the Commissioner of Insurance says. Read the notice and your policy’s own cancellation and nonrenewal terms, then start shopping right away. If a notice doesn’t make sense to you, or you need help with a claim, call the Wisconsin Office of the Commissioner of Insurance at 800-236-8517.
If a regular insurer has turned you down, you can apply to the Wisconsin Insurance Plan for basic property coverage.
In our data, 3 of the 4 insurers we compared priced our sample home in all 272 Wisconsin ZIP codes.
Got a nonrenewal notice?
- Note the date your coverage ends and start shopping now.
- Get quotes from at least three insurers (we compared 4 in Wisconsin, from $133 to $158 a month for the same house), or ask a licensed agent to compare them for you.
- If insurers turn you down, ask a Wisconsin-licensed agent about the Wisconsin Insurance Plan.
- If the notice looks wrong, call the Wisconsin Office of the Commissioner of Insurance at 800-236-8517.
Ready to compare
How much is renters insurance in Wisconsin?
Renters insurance for our sample renter averages $17 a month ($199 a year) in Wisconsin. For our sample renter, prices among the 4 insurers we compared ranged from $13 to $21 a month, an $8-a-month gap for the same coverage.
Renters insurance averages by insurer in Wisconsin for our sample renter (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| State Farm | $13 | $153 |
| Acuity | $16 | $195 |
| Auto-Owners | $16 | $195 |
| American Family | $21 | $247 |
State Farm averaged $13 a month ($153 a year), Acuity $16 ($195), Auto-Owners $16 ($195) and American Family $21 ($247) for our sample renter.
By ZIP code (renters):
- State Farm ran from $9 to $15 a month by ZIP code for our sample renter and priced all 272 ZIP codes.
- Acuity ran from $15 to $18 a month by ZIP code for our sample renter and priced 221 of the 272 ZIP codes.
- Auto-Owners ran from $16 to $19 a month by ZIP code for our sample renter and priced all 272 ZIP codes.
- American Family ran from $18 to $28 a month by ZIP code for our sample renter and priced all 272 ZIP codes.
State Farm had the lowest renters average for our sample renter of the insurers anyone can buy from, $13 a month ($153 a year), 21.6% below Auto-Owners’ $195 a year, the next of those insurers. Another insurer may be lower for your apartment, so compare quotes.
Wisconsin’s renters average is the 9th least expensive of the 50 states and D.C., 22.4% below their average of $21 a month ($256 a year). Our sample renter’s policy costs about 11% of what our sample home costs to insure in Wisconsin.
For the same insurers and ZIP codes, the Wisconsin renters average rose 2.1% since Nov. 2025, from $16 to $17 a month, as Auto-Owners’ rose 8.5%, Acuity’s fell 0.2% and American Family’s didn’t change.
By ZIP code, the Wisconsin renters average for our sample renter ran from $15 a month in Beaver Dam (53916) to $21 in Milwaukee (53209).
Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims. Rates as of Sept. 30, 2026, from 1,037 sample prices by 4 insurers across 272 Wisconsin ZIP codes.
- $40K belongings
- $300K liability
- $1,000 deductible
What does renters insurance cover in a Wisconsin apartment?
Your landlord’s insurance is for the building; a renters policy is for your belongings and your liability. The policy we priced pays up to $40,000 for belongings after a covered fire, storm or burglary and $300,000 if you’re responsible for someone’s injury or property damage. In Wisconsin, that package averages $17 a month; flood and earthquake damage need separate coverage.
How we got these renters prices: each insurer’s average across the 272 Wisconsin ZIP codes in our data. Sample prices, not quotes or offers.
How much is condo insurance in Wisconsin?
Condo insurance for our sample condo averages $27 a month ($324 a year) in Wisconsin. For our sample condo, prices among the 4 insurers we compared ranged from $18 to $48 a month, a $30-a-month gap for the same coverage.
Condo insurance averages by insurer in Wisconsin for our sample condo (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| Auto-Owners | $18 | $216 |
| State Farm | $20 | $241 |
| Acuity | $20 | $242 |
| American Family | $48 | $572 |
Auto-Owners averaged $18 a month ($216 a year), State Farm $20 ($241), Acuity $20 ($242) and American Family $48 ($572) for our sample condo.
By ZIP code (condo):
- Auto-Owners ran from $18 to $20 a month by ZIP code for our sample condo and priced all 272 ZIP codes.
- State Farm ran from $14 to $23 a month by ZIP code for our sample condo and priced all 272 ZIP codes.
- Acuity ran from $18 to $22 a month by ZIP code for our sample condo and priced 221 of the 272 ZIP codes.
- American Family ran from $44 to $57 a month by ZIP code for our sample condo and priced all 272 ZIP codes.
Auto-Owners had the lowest condo average for our sample condo of the insurers anyone can buy from, $18 a month ($216 a year), 10.6% below State Farm’s $241 a year, the next of those insurers. Your unit may price differently, so get a few condo quotes.
American Family’s condo average is about 2.5 times the other insurers’ average; without it, Wisconsin’s condo average would be $20 a month ($234 a year).
Wisconsin’s condo average is the 9th least expensive of the 50 states and D.C., 32.7% below their average of $40 a month ($481 a year). Our sample condo’s policy costs about 18% of what our sample home costs to insure in Wisconsin.
For the same insurers and ZIP codes, the Wisconsin condo average fell 2.3% since Nov. 2025, from $28 to $27 a month, as Auto-Owners’ fell 16.0%, Acuity’s rose 7.8% and American Family’s didn’t change.
By ZIP code, the Wisconsin condo average for our sample condo ran from $24 a month in Sun Prairie (53590) to $33 in Menomonee Falls (53051).
Our sample condo is a 2,000-square-foot unit in a building built in 2005, with $60,000 of coverage for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. The owner is 40, single, has good credit and no claims in 10 years.
- $60K unit coverage
- $60K belongings
- $1,000 deductible
- Built 2005
Which part of a Wisconsin condo is yours to insure?
The association’s master policy covers the building, and your condo policy covers what the declaration and master policy leave to you. In our sample policy, $60,000 covers the inside of the unit and $60,000 your belongings, and that package averages $27 a month in Wisconsin.
What to check with your HOA before you buy condo insurance
- The master policy: ask the association or manager for its certificate of insurance and declarations page.
- Bare walls or more: find out whether it stops at the bare walls or also covers fixtures and finishes; that sets your unit coverage.
- The master deductible: ask how large it is and whether the association can pass part of it to owners after a storm.
- Loss assessment: ask your insurer how much loss assessment coverage your policy includes (it can pay your share if the association bills owners for a covered loss to shared parts of the building).
You may also want to compare: car + home insurance in Wisconsin
Many Wisconsin homeowners insure a car too. Some insurers take roughly 5% to 15% off when you buy home and car insurance from them together (Insurance Information Institute), but the same insurer has to write both policies, and buying both from one insurer isn’t always the lower-priced choice, so compare both ways.
See Wisconsin car insurance rates · How bundling home and auto insurance works
Frequently asked questions about home insurance in Wisconsin
How much is home insurance in Wisconsin?
For the house we priced, Wisconsin averages $1,774 a year ($148 a month) across the 4 insurers we compared and 272 ZIP codes, with rates as of Sept. 30, 2026. By ZIP code, the average runs from $123 a month in Sheboygan to $181 in Somerset, so your address matters.
Which Wisconsin city has the cheapest home insurance?
Of the Wisconsin cities in our table with at least 5 ZIP codes, Green Bay had the lowest average for our sample home, $126 a month, and Milwaukee the highest, $150.
How much is insurance on a $300,000 home in Wisconsin?
Our sample home is insured for $300,000 of dwelling coverage, and it averages $148 a month ($1,774 a year) in Wisconsin across 272 ZIP codes. That’s about $5.91 a year per $1,000 of dwelling coverage, though premiums don’t rise in step with the limit, so quote your own rebuilding cost.
How do I get homeowners insurance quotes in Wisconsin?
Enter your ZIP code in any quote box on this page to compare free homeowners insurance quotes for your Wisconsin address. Get at least three: for our sample home, the 4 insurers anyone can buy from that we compared averaged $133 to $158 a month in Wisconsin.
How much is insurance on a $400,000 house in Wisconsin?
We priced a $300,000 dwelling, not $400,000. For that house, Wisconsin averages $148 a month. A $400,000 house usually costs more to insure, so get quotes for your own rebuild cost, and remember the 80% rule.
Does Wisconsin home insurance cover wind and hail damage?
Generally, yes, minus your deductible: a standard homeowners policy covers wind and hail damage. Some insurers use a separate percentage deductible for wind and hail, so work out what yours means in dollars; on our $300,000 sample house, 2% is $6,000, or $4,226 more than a year of the Wisconsin average premium for that house.
Is flood damage covered by home insurance in Wisconsin?
No. A standard Wisconsin home or renters policy doesn’t cover flooding. You can buy it through federal flood insurance (NFIP) or a private insurer, and a new NFIP policy usually takes 30 days to start, so don’t wait for a storm warning.
Are Wisconsin home insurance rates going up in 2026?
For the house we priced, the Wisconsin average fell 10.5% for the same insurers and ZIP codes between Nov. 30, 2025 and Sept. 30, 2026, to $148 a month. Your own renewal depends on your insurer, your home and your claims.
What does renters insurance cost in Wisconsin?
Our sample renter, insuring $40,000 of belongings with $300,000 liability, pays an average of $17 a month ($199 a year) in Wisconsin across the 4 insurers we compared.
What does condo insurance cost in Wisconsin?
Our sample condo, with $60,000 of unit coverage and $60,000 for belongings, averages $27 a month ($324 a year) in Wisconsin across the 4 insurers we compared.
Who regulates home insurance in Wisconsin?
The Wisconsin Office of the Commissioner of Insurance licenses insurers, oversees their rates and forms, and helps consumers with complaints about claims and nonrenewals. Its consumer line is 800-236-8517.
Official resources for Wisconsin homeowners
- Wisconsin Office of the Commissioner of Insurance Consumer help, complaints and licensed insurers. Consumer line: 800-236-8517.
- Wisconsin OCI: homeowners insurance guide Flood, nonrenewal notices and the Wisconsin Insurance Plan.
- National Association of Insurance Commissioners: homeowners guide Coverage basics and the 80% rule.
- FEMA Flood Map Service Center The official source for FEMA flood maps.
- FloodSmart FEMA’s site for the National Flood Insurance Program.
How we calculated these prices
We priced the same house with 4 major insurers, in each of the 272 Wisconsin ZIP codes in our data, using licensed insurance rate data from Quadrant Information Services, with rates as of Sept. 30, 2026. Each Wisconsin figure is the average of the ZIP-code averages, and monthly figures are yearly figures divided by 12. These are sample prices for one example home, renter and condo, not quotes or offers.
Full details
The homes we priced
- Home (HO-3, a standard homeowners policy): Our sample home is a 2,000-square-foot, two-story wood-frame house with a composition roof, built in 1997, insured for $300,000 with $150,000 for belongings, $300,000 liability and a $1,000 deductible for covered losses other than a hurricane. Our home price requests also set a 2% hurricane deductible, the same setting in every state. The owner is 40, single, has good credit and no claims in 10 years.
- Renters (HO-4, a renters policy): Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims.
- Condo (HO-6, a condo unit-owner policy): Our sample condo is a 2,000-square-foot unit in a building built in 2005, with $60,000 of coverage for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. Same owner profile as the home.
- All three are in protection class 3 (a fire-protection rating), 1,000 feet from a hydrant and 3 miles from a fire station, with the distance to the coast set at 10 miles in every state’s price requests, so differences between ZIP codes come from how each insurer prices that ZIP code.
How the averages work: for each insurer and ZIP code we used its lowest eligible price, averaged the insurers in each ZIP code, then averaged the ZIP codes, so every ZIP code counts the same. Percentages are worked out before rounding, so they can differ slightly from the rounded dollars shown. The price change compares the same insurers in the same ZIP codes on Nov. 30, 2025, and Sept. 30, 2026.
Which insurers we name: we don’t name a lowest-priced insurer when its lead over the next one is more than 30%, or when it was priced in fewer than 90% of a place’s ZIP codes, and we show the average without any insurer priced at more than twice the others. Each section says which insurer, if any, passed these tests for that line. We also never name an insurer that sells only to members, such as USAA (military families only) or an AAA insurer, and when the two lowest are within 5% of each other we call it a near tie.
Sample: Home: 1,037 sample prices from 4 insurers across 272 ZIP codes in 62 counties. Renters: 1,037 from 4 insurers. Condo: 1,037 from 4 insurers. Wisconsin here means the 272 Wisconsin ZIP codes in our rate data; cities group them by main post-office city.
Insurer notes: we review every note an insurer attaches to a price before publishing.
- Acuity’s home prices in 51 ZIP codes, renters prices in 51 ZIP codes and condo prices in 51 ZIP codes are left out: they returned a note on a $2,500 minimum wind and hail amount in Milwaukee and Waukesha, which may not match the coverage we priced, so they’re left out of our averages.
- West Bend Mutual’s renters prices in 272 ZIP codes, home prices in 272 ZIP codes and condo prices in 272 ZIP codes are left out: they returned a note saying a house with a roof as old as our sample home’s may not qualify, so no price is shown.
- Some counted prices carry notes that don’t change the coverage we priced (for example, mine subsidence coverage must be offered in the county); we keep them.
Comparisons: neighboring-state figures use the same method and rates; the 50-states-and-D.C. figure averages each state’s average and D.C.’s.
Sources for local facts: Wisconsin Office of the Commissioner of Insurance, National Association of Insurance Commissioners, FEMA, Insurance Information Institute.
Rates as of Sept. 30, 2026; price changes compare prices as of Nov. 30, 2025.
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Autumn Cafiero Giusti is a licensed life and health insurance broker and award-winning journalist with more than 20 years of experience. She writes extensively about flood, Medicare, home, and life insurance for publications like U.S. News and CBS News.
