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. Each one brings a unique offering to the homeowners in Wisconsin.
4 Best Homeowners Insurance Companies in Wisconsin
- Erie: Best for Cheap Rates
- Auto-Owners: Best for Customer Service
- State Farm: Best for Claims Processing
- USAA: Military-Focused Coverage
Compare the Best Wisconsin Homeowners Insurance Companies
| Average Annual Premium* | AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | 2021 J.D. Power Claim Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|
| Pin Erie | $614 | A+ (Superior) | 869/1,000 | |
| Pin Auto-Owners | $1,077 | A++ (Superior) | 900/1,000 | |
| Pin State Farm | $1,087 | A++ (Superior) | 880/1,000 | |
| Pin USAA | $801 | A++ (Superior) | 905/1,000** |
*Data from Bankrate.com for $250,000 in dwelling coverage
**USAA not officially ranked by J.D. Power due to eligibility restrictions
Erie
Erie stands out for the low rates compared to the national average, and other sample rates pulled from Bankrate.com. In addition to great rates, Wisconsin homeowners may appreciate the A+ (Superior) ratings from AM Best and various ways to get in contact with the company, whether through email, over the phone, or in person.
Best for Cheap Rates
WHY WE CHOSE IT
Why we chose it
Pros
- Least expensive average annual premium on our list
- Multiple contact options for customer service
- Large local agent network
Cons
- Limited customer support availability
- Few discounts and add-ons
- No online quotes or purchasing
DISCOUNTS AVAILABLE
- Multi-policy
- Advanced quote
- Protective devices
ADD-ON COVERAGES
- Water backup and sump overflow
- Identify theft
- Personal liability
- Service line protection
ERIE INSURANCE REVIEW
Auto-Owners
Auto-Owners stands out as an advantageous option for homeowners in Wisconsin because of the high customer satisfaction ratings and specialty coverages offered. A Homeowners Plus package gives homeowners more robust coverage and financial protection while offering plenty of discounts for additional savings.
Best for Customer Satisfaction
WHY WE CHOSE IT
Why we chose it
Pros
- Multiple discount options
- High customer satisfaction ratings
- Superior financial strength rating
Cons
- No online quote or purchase option
- No claims processing online or through the app
DISCOUNTS AVAILABLE
- Multi-policy
- Green discount
- Advance quote
- Mortgage-free
ADD-ON COVERAGES
- Guaranteed home replacement cost
- Identity theft
- Equipment breakdown
- Homeowners Plus Package
AUTO-OWNERS INSURANCE REVIEW
State Farm
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.
Best for Claims Processing
WHY WE CHOSE IT
Why we chose it
Pros
- Highly-rated mobile app
- Excellent financial strength
- Large agent network
Cons
- Limited number of discounts
DISCOUNTS AVAILABLE
- Multi-policy
- Protective devices
- Impact-resistant roof
STATE FARM INSURANCE REVIEW
USAA
Being a USAA member means access to the standard homeowners policy coverages, as well as a few add-ons and discounts. Members tout the great customer service, and the ratings reflect its high customer satisfaction and financial strength.
Best for Military-Focused Coverage
WHY WE CHOSE IT
Why we chose it
Pros
- High customer satisfaction rankings
- Superior financial strength ratings
- Claims can be filed online, through the app, or customer service
Cons
- Strict eligibility requirements
- Few additional coverages or discounts
DISCOUNTS AVAILABLE
- Claim-free
- Home security system
- Multi-policy
ADD-ON COVERAGES
- Earthquake
- Homesharing
USAA INSURANCE REVIEW
*Data from Bankrate.com for $250,000 in dwelling coverage
**2021 J.D. Power U.S. Property Claims Satisfaction Study. Based on a 1,000-point scale
Average Cost of Homeowners Insurance in Wisconsin
The average annual cost of homeowners insurance in Wisconsin is $986 for $250,000 in dwelling coverage, based on 2021 data from Bankrate.com. This is far below the national average of $1,312. While these are only averages, your rates could be more or less expensive based on several factors. The age of the home, amount of coverages, and discounts are a few examples of factors influencing cost.
Average Annual Premiums from Homeowners Insurance Companies in Wisconsin
The rates below showcase average annual premiums from multiple insurance companies in Wisconsin. Several factors determine premiums, and the table illustrates how important it is to receive quotes from several providers.
| Company | Average Annual Premium* |
| West Bend | $512 |
| Erie | $614 |
| Secura | $715 |
| Rockford Mutual | $736 |
| Acuity | $772 |
| AAA | $788 |
| Rural Mutual | $796 |
| USAA | $801 |
| Travelers | $829 |
| American Family | $859 |
| Wisconsin Mut Ins Co | $879 |
| Nationwide | $890 |
| Allstate | $954 |
| Auto-Owners | $1,077 |
| State Farm | $1,087 |
| Hastings Mutual | $1,332 |
| Motorists | $1,435 |
| Chubb | $1,681 |
| Farmers | $1,730 |
*Based on $250,000 dwelling coverage
Top 3 Most Expensive Companies for Wisconsin Homeowners Insurance
- Farmers: $1,730
- Chubb: $1,681
- Motorists: $1,435
Top 3 Cheapest Companies for Wisconsin Homeowners Insurance
- West Bend: $512
- Erie: $614
- Secura: $715
Wisconsin Home Insurance Considerations:
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’s flood risk to understand if you should factor flood insurance into your budget.
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.
Helpful Resources for Wisconsin Homeowners
The Wisconsin Office of the Commissioner of Insurance has compiled several resources for homeowners in the Badger State. Helpful pages include:
- Consumer’s Guide to Homeowners Insurance in Wisconsin
- Insurance Tips for Farm Owners
- Flood Damage
- After a Storm Hits— Insurance Tips
Frequently Asked Questions
Methodology
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.
To compare home insurance companies across the board, we considered the following factors:
- Customer Ratings — Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using 2021 J.D. Power Home Insurance Study ratings.
- Coverage — As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available.
- Confidence — It is extremely important for insurance companies to fulfill customers’ 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.
- Customer Experience — 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.
Rates are based on quoted annual premiums from Bankrate.com. These are sample rates and should be used for comparative purposes only. Your quotes may be different.
The coverage limits for home insurance rates reflect the following coverage and limits:
- Coverage A, Dwelling: $250,000
- Coverage B, Other Structures: $25,000
- Coverage C, Personal Property: $125,000
- Coverage D, Loss of Use: $50,000
- Coverage E, Liability: $300,000
- Coverage F, Medical Payments: $1,000
The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).
About the Authors
Sara Coleman is a personal finance freelance writer based in Charlotte, NC. A Journalism Major who studied at the University of Georgia, she enjoys creating approachable content. She’s written for sites such as WorkingMother, BetterYouMag, and SmartMoneyMamas. She loves spending time with her husband and 3 kids, and has a healthy obsession with coffee.
