The best home insurance companies in Wisconsin are Auto-Owners, State Farm, Chubb, American Family and Allstate. Auto-Owners leads in coverage options, State Farm is the most affordable and Chubb excels in customer service. Compare all our top picks below.
Best Homeowners Insurance in Wisconsin
Updated: June 24, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in Wisconsin are Auto-Owners Insurance, State Farm and Chubb.
Auto-Owners offers the best overall home insurance for most Wisconsin homeowners. For those with newer homes, State Farm could be a more suitable option.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in Wisconsin?
| Auto-Owners Insurance | 92 | 3 | 3 | 1 |
| State Farm | 90 | 1 | 4 | 4 |
| Chubb | 84 | 5 | 1 | 2 |
| American Family | 81 | 4 | 2 | 3 |
| Allstate | 75 | 2 | 5 | 4 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
Though our rankings reflect the best overall providers, what’s best for you may differ based on your home type or personal needs. Below, we highlight the top insurers across major categories.
| Auto-Owners Insurance | 92 | Best Overall |
| Auto-Owners Insurance | 97 | Best for Older Homes |
| State Farm | 89 | Best for Newer Homes |
| Auto-Owners Insurance | 93 | Best for High-Fire-Risk Areas |
| Auto-Owners Insurance | 91 | Best for Bad Credit |
| Auto-Owners Insurance | 96 | Best With a Claims History |
Best Wisconsin Home Insurance Reviews
Explore Wisconsin's top home insurance picks, where we show leaders in affordability, customer service and coverage options based on the MoneyGeek score.
State Farm: Best for Affordability
State Farm is the most affordable home insurance provider for most Wisconsin homeowners. It also ranks above the national average in customer service, placing seventh in customer satisfaction and eighth in claims satisfaction, according to J.D. Power. Also, State Farm offers unique add-ons like underground utility coverage and extended replacement cost reimbursement to cover potential increases in repair costs.
Data filtered by:Results filtered by:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Credit Tier:Good
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Claims History:Claim free for 5+ years
| Newer Homes in High-Fire-Risk Areas | $68 | $818 |
| Newer Homes | $68 | $818 |
| Older Homes | $114 | $1,363 |
| Older Homes in High-Fire-Risk Areas | $114 | $1,363 |
Chubb: Best for Customer Service
Chubb tops our rankings as Wisconsin's top customer experience for home insurance, leading in overall customer satisfaction according to J.D. Power. The company offers comprehensive coverage options, including specialized masterpiece coverage for high-value homes. Its homescan service also helps detect hidden issues like electrical problems or moisture buildup before they become costly damages.
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
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Deductible:1000
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Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes | $72 | $863 |
| Newer Homes in High-Fire-Risk Areas | $72 | $863 |
| Older Homes in High-Fire-Risk Areas | $98 | $1,171 |
| Older Homes | $98 | $1,171 |
Auto-Owners: Best for Coverage
Auto-Owners stands out as our best overall pick for car insurance in Wisconsin, offering a great balance of affordability, good customer service and extensive coverage selections. They offer a homeowners plus endorsement that bundles multiple add-ons into one package, including coverage for appliance leaks that cause property damage and food spoilage during power outages, providing comprehensive protection with simplified purchasing.
Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Below Fair
Select
Claims History:1 claim in past 5 years
| Newer Homes | $114 | $1,372 |
| Newer Homes in High-Fire-Risk Areas | $118 | $1,412 |
| Older Homes | $139 | $1,662 |
| Older Homes in High-Fire-Risk Areas | $142 | $1,710 |
How to Find the Best Home Insurance in Wisconsin
We've produced a step-by-step guide to help you find the perfect coverage for your needs.
- 1
Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Think about your home's value, the personal belongings inside and local risk factors that might affect your coverage.
- 2
Research costs and discounts
Determine how much home insurance costs in Wisconsin to see if providers truly offer savings. Also, check for discounts you qualify for to maximize your savings.
- 3
Find the best providers for you
After researching coverage and costs, narrow your search for the best and cheapest home insurance in Wisconsin. Research to evaluate customer service ratings, pricing specific to your needs and suitable coverage add-ons.
- 4
Compare multiple providers through all means
With your research complete, compare providers to find the best option. Check quotes through various methods, as online estimates may differ from those given by brokers or agents over the phone.
- 5
Evaluate and choose the right policy
Once you've compared quotes, assess each policy's details and make your choice. Consider your budget, the extent of coverage and any additional endorsements or riders you may need.
Best Homeowners Insurance Wisconsin: Bottom Line
Auto-Owners, State Farm and Chubb are the best-rated homeowners insurance providers in Wisconsin, based on MoneyGeek analysis. While these are strong recommendations, researching and comparing options will help you find the best fit for your needs.
Best Home Insurance Wisconsin: FAQ
Discover answers to common questions to help you select a home insurance provider in Wisconsin.
Which company is best for home insurance in Wisconsin?
Auto-Owners is the best homeowners insurance provider in Wisconsin, notable for its affordability, exceptional customer service, and comprehensive add-on coverage options. State Farm, Chubb, American Family and Allstate are also top-rated options in the state.
Who has the most affordable homeowners insurance in Wisconsin?
Affordable homeowners insurance in Wisconsin varies based on individual circumstances and coverage needs. However, the average cost in Wisconsin is $814 annually.
How do you get the best homeowners insurance in Wisconsin?
To find the best home insurance in Wisconsin, assess your coverage needs, examine various insurers, and get multiple quotes for comparison.
How We Decided the Best Home Insurance in Wisconsin: Our Methodology
We rated the best homeowners insurance providers in Wisconsin using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.