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Last updated on Oct 28, 2020

The Best Wisconsin Homeowners Insurance Companies

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    Residents of the Badger State may have to deal with snow, ice, and in some cases, flooding, but the state’s premiums are some of the lowest in the country. There are plenty of options, too — we found 17 Wisconsin home insurance companies wanting your business. 

    We analyzed top insurance providers to narrow them down to a shortlist of the five best home insurance companies in Wisconsin. To make the list, we compared market share, what makes them unique, customer satisfaction ratings, financial stability, and the cost of Wisconsin homeowners insurance policies.

    Our picks for the best homeowners insurance Wisconsin companies are: AAA, American Family, Allstate, State Farm, and Chubb. Take a closer look at why they made our list.

    The 5 Best Homeowners Insurance Companies in Wisconsin



    Average PriceAM Best Financial StrengthJ.D. Power Overall Customer Satisfaction (use the 1,000-point scale)
    AAA$731Varies by clubVaries by club
    American Family$910A881
    Allstate$627A+882
    State Farm$1,057A++878
    Chubb$1,416A++871

    AAA

    The American Automobile Association (AAA) is a well-recognized insurance company. The nonprofit organization may be best known for auto insurance and roadside assistance, but it’s been supporting homeowners with home insurance policies for over a century.

    AAA

    Best For Bundling With Auto Insurance

    Why We Chose It

    A membership to AAA is required, but you’ll have access to competitive premiums that make the insurer one of the most affordable in Wisconsin. Besides the basic homeowners insurance coverage, AAA provides a number of add-ons to further customize your home policy.
    • ** Reviews Score
    • ** AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • ** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    A membership to AAA is required, but you’ll have access to competitive premiums that make the insurer one of the most affordable in Wisconsin. Besides the basic homeowners insurance coverage, AAA provides a number of add-ons to further customize your home policy.

    Pros

    • High customer satisfaction claims ratings
    • Low homeowners insurance prices
    • AAA discounts for travel and other policies

    Cons

    • Requires AAA membership first
    • You may have to buy auto insurance before you can access homeowners policies
    Read More

    Discounts available

    • Retired member discount
    • Claims-free
    • Renovated home
    • Hail-resistant roof

    Unique features

    Many of the local AAA clubs provide home systems protection to cover heating, air conditioning or water heater breakdowns.

    *J.D. Power 2020 U.S. Property Claims Customer Satisfaction Study, based on a 1,000-point scale
    ** Because AAA is made up of many local “clubs,” data varies by region

    Further Reading on AAA:

    American Family Insurance

    American Family Insurance is a good choice for any type of homeowner, but it especially shines for new homebuyers. The insurer’s affordable premiums and a variety of online learning resources are ideal for someone just getting started with purchasing their first home.

    American Family

    Best For New Homebuyers

    Why we chose it

    American Family Insurance makes it easy to decide on what type of homeowners insurance you need. The website provides home insurance Wisconsin policy comparisons, calculators, and inventory worksheets to help you get the right coverage.
    • 3.75 Reviews Score
    • A AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 881* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    American Family Insurance makes it easy to decide on what type of homeowners insurance you need. The website provides home insurance Wisconsin policy comparisons, calculators, and inventory worksheets to help you get the right coverage.

    Pros

    • Customizable coverage options
    • Good customer satisfaction ratings (24/7 claims center)
    • Solid financial ratings
    • Helpful digital resources for new homebuyers

    Cons

    • Not BBB accredited
    • Limited availability
    Read More

    Discounts available

    • Smart home discount
    • Generational discount if your parents are policy holders
    • Renovated home discount

    Unique features

    American Family’s MyAmFam App was redesigned to make managing your homeowners insurance policy easier.

    *J.D. Power 2020 U.S. Property Claims Customer Satisfaction Study, based on a 1,000-point scale

    Further Reading on American Family:

    Allstate

    Allstate’s strength is in the diversity of its offerings and discounts, which allow you to pick and choose the coverage that works best for your circumstances. It has a great website, with tons of useful information.

    Allstate

    Best For New Homebuyers

    Why we chose it

    Allstate’s discounts add up to lower premiums, making the company a good choice for anyone who’s looking to save a few dollars on their premium costs. Allstate is also generous in their coverage, providing up to $10,000 for accidental damage.
    • 5 Reviews Score
    • A+ AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 882* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    Allstate’s discounts add up to lower premiums, making the company a good choice for anyone who’s looking to save a few dollars on their premium costs. Allstate is also generous in their coverage, providing up to $10,000 for accidental damage.

    Pros

    • Diverse discount opportunities
    • informative website and digital tools
    • Above-average customer service

    Cons

    • NAIC complaint index high
    • Financial strength ratings good, but not great
    Read More

    Discounts available

    • Early signing discount
    • Home buyer discount
    • Hail-resistant roof discount

    Unique features

    Allstate’s discount list is longer than most national insurers. You could save up to 10% on your premiums if you sign up for your new policy at least 7 days before the current one expires.

    *J.D. Power 2020 U.S. Property Claims Customer Satisfaction Study, based on a 1,000-point scale

    Further Reading on Allstate:

    State Farm

    State Farm offers above-average customer support along with competitive pricing and solid coverage options. For those new to home ownership, its Simple Insights blog can tell you everything you need to know about home ownership in general.

    State Farm

    Best For Fast Claim Payments

    Why we chose it

    Providing a high-quality customer experience is only one of State Farm’s strengths. It also offers good policy coverages with add-ons to allow you to customize your policy.
    • 3.75 Reviews Score
    • A++ AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 878* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • NR BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    Providing a high-quality customer experience is only one of State Farm’s strengths. It also offers good policy coverages with add-ons to allow you to customize your policy.

    Pros

    • Financially strong
    • Excellent web presence
    • 19,000+ agents nationally
    • Informative blog

    Cons

    • Limited discounts
    • Higher premiums
    Read More

    Discounts available

    • Multiple policy discount
    • Fire, smoke, or burglar alarms discount
    • Impact-resistant roof discount

    Unique features

    State Farm’s comprehensive website makes it easy to get a detailed quote in minutes. You can also pay your bill, file and manage a claim, and handle most maintenance tasks either online or via the company’s app.

    *J.D. Power 2020 U.S. Property Claims Customer Satisfaction Study, based on a 1,000-point scale

    Further Reading on State Farm:

    Chubb

    Chubb takes homeowners insurance to the next level by providing a variety of services and perks you won’t find anywhere else. If you’re insuring a home with expensive upgrades, contents that may need extra coverage, or if you’re also insuring a second vacation home, be sure to talk to a Chubb insurance agent about what the insurer has to offer.

    Chubb

    Best For High-Value Homes

    Why we chose it

    Chubb comes in as the Wisconsin homeowners insurance company with the highest average price of our top five. However, the level of service, financial strength, and unique policies for customers with higher net worth makes the slightly higher premium costs still a good value.
    • 3.75 Reviews Score
    • A++ AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 871 J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    Chubb comes in as the Wisconsin homeowners insurance company with the highest average price of our top five. However, the level of service, financial strength, and unique policies for customers with higher net worth makes the slightly higher premium costs still a good value.

    Pros

    • Homeowners insurance policies geared towards more affluent customers
    • High customer satisfaction ratings
    • Cash settlement policies available

    Cons

    • More expensive than average
    • Independent agent required to purchase a policy
    Read More

    Discounts available

    • In-house caretaker, or 24/7 security services discount
    • Claims-free discount
    • Gated community discount

    Unique features

    Chubb understands the special needs of more affluent homeowners. Besides the coverages for higher-value homes, the insurer provides special “white glove” services, such as assigning you a property manager to handle your vacation home’s claim in-person on your behalf if you’re unable to travel.

    *J.D. Power 2020 U.S. Property Claims Customer Satisfaction Study, based on a 1,000-point scale

    Average Cost of Homeowners Insurance in Wisconsin

    The average cost of insurance in Wisconsin is $779. Only four states in the nation present a cheaper average cost in insurance: Nevada, Idaho, Utah, and Oregon. Currently, the average price of insurance in the United States is $1,211. Even though Wisconsin is a pretty safe state, seldom affected by natural disasters, some add-ons to your insurance could help you out in case of an unforeseen emergency.

    Home Insurance Add-Ons That Will Further Protect You

    Water Damage

    Frozen pipes can be a huge problem when the winter storms hit your home. A common source of household flooding in colder climates is due to frozen pipes that burst. Depending on the circumstances (like leaving your house without the heat on), a water damage claim might not be covered by your homeowners insurance. Make sure you’re protected in this scenario by looking for “sudden/accidental water coverage” in your policy.

    Outbuilding Coverage

    If you run a farm and have numerous sheds, garages, and barns on your property, you will want to protect them, too. To this end you will want to make sure that your homeowners policy coverage extends to “outbuildings,” which include additional structures on your property.

    Flood Insurance

    Parts of Wisconsin are considered to be flood-prone areas, so purchasing flood protection for your property would not be a bad idea. Flood insurance is offered by the U.S. government through the National Flood Insurance Program (NFIP). It can cover all the way from the foundation, electronics, and furniture of your home to your personal belongings. The cost of a starting policy is $325 a year. To see if your home is considered to be in a high-risk area, click here

    The Cheapest Homeowners Insurance Companies in Wisconsin

    Largest Companies by Market Share in WisconsinAverage Annual Premium
    Secura Ins A Mut Co$569
    Allstate$627
    Secura Supreme Ins Co$700
    AAA$731
    Hastings Mut Ins Co$773
    Acuity A Mut Ins Co$835
    Rockford Mut Ins Co$844
    Rural Mut Ins Co$892
    Garrison Prop & Cas Ins Co$893
    USAA$901
    American Family Insurance$910
    State Farm$1,057
    Auto-Owners Insurance$1,148
    Chubb$1,416
    Encompass$1,486
    Farmers Insurance$1,970
    Liberty Mut Fire Ins Co$2,202

    Cost of Homeowners Insurance by Age of Home

    Age of Home tierAverage Annual Premium
    5$1,062
    20$1,358
    35$1,384
    50$1,382
    Average Across Ages$1,296

    Top 3 Cheapest Homeowners Insurance Companies in Wisconsin

    • Secura Ins. A. Mut. Co. – $569
    • Allstate – $627
    • Secura Supreme Ins. Co. – $700

    Top 3 Most Expensive Homeowners Insurance Companies in Wisconsin

    • Liberty Mutual Fire Ins. Co. – $2,202
    • Farmers Insurance – $1,970
    • Encompass – $1,486

    Helpful Resources for Wisconsin Homeowners

    The Wisconsin Office of the Commissioner of Insurance has a lot of helpful resources for homeowners looking to protect their home, which you can access here

    Some helpful pages include:

    Homeowners Insurance FAQ

    Is homeowners insurance required in Wisconsin?

    You are not legally required to purchase homeowners insurance in Wisconsin, but if you need a lender to purchase the home (and are still making payments), your lender will require you to have it. 

    What is the cheapest homeowners insurance in Wisconsin?

    The cheapest home insurance providers in Wisconsin are currently Secura insurance, Allstate, and AAA.

    What happens if I can’t afford Wisconsin homeowners insurance?

    Wisconsin has some of the lowest insurance premiums in the country. But if you can’t afford the premiums, you may qualify for coverage through the Wisconsin Insurance Plan. The non-profit association helps homeowners get coverage who are unable to buy home insurance through the standard marketplace. 

    Is wind damage covered by Wisconsin home insurance companies?

    Wind and hail damage are the insurance claims. Fortunately, you won’t have to go shopping for additional insurance — both hazards are typically covered by a homeowners insurance policy. 

    Methodology

    We evaluated the companies based on their customer rating and experience, financial stability, and coverage to determine the best providers. To compare home insurance companies across the board, we then calculated a Reviews.com score based on the following:

    • Customer Ratings — Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using J.D. Power Homeowners Satisfaction 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 will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using AM Best’s ratings, which specializes in assessing the financial strength of insurance companies.
    • 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.

    About the Authors

    Lauren Ward

    Lauren Ward Contributing Writer

    Lauren Ward is a personal finance writer who regularly covers consumer insurance products. Her work has appeared in a variety of online publications, including Bankrate and The Simple Dollar. She graduated from Georgetown University with a BA in Japanese.

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