Best Homeowners Insurance Companies in Wisconsin

At $1,011 per year, Chubb delivers Wisconsin's lowest premiums among top-rated insurers while maintaining comprehensive coverage standards. The company's guaranteed replacement cost endorsement eliminates the depreciation calculations that reduce payouts with other carriers, covering full rebuilding expenses regardless of cost increases. Homeowners with valuable possessions, such as fine art, jewelry or antiques, can also benefit from Chubb's high-value personal property coverage that protects items other policies might underinsure.

Chubb's $1,011 annual premium undercuts both Wisconsin's $1,386 state average and the $3,467 national benchmark substantially: 27% and 71% respectively. These base rates drop further with available discounts, such as bundling multiple policies or installing monitored security systems. The company's pricing makes premium coverage accessible to Wisconsin homeowners who might assume high-end insurers charge prohibitive rates.

Local independent agents form the backbone of Chubb's Wisconsin service model, providing personalized guidance for complex coverage decisions and unique property situations. The company supplements agent expertise with digital policy management tools, letting homeowners handle routine updates online while reserving agent consultations for important decisions. Chubb's 677 J.D. Power score exceeds the 642 industry average, reflecting satisfaction with this hybrid service approach.

Chubb provides standard homeowners coverage with optional add-ons:

• Extended replacement cost: Pays to rebuild your home to its original condition, even if costs exceed your policy limit
• Temporary living arrangements: Helps you find comfortable accommodations while your house is rebuilt
• Risk consulting: Complimentary home appraisals with trained consultants who provide security and fire prevention advice
• Cash settlement: Offers cash up to your policy limit if you choose not to rebuild after a covered total loss
• Replacement cost coverage: Replaces details, including upgraded appliances, custom cabinets, flooring and carpentry without depreciation deductions
• HomeScan: Uses infrared technology to detect problems like leaks, missing insulation and faulty electrical connections before damage occurs

USAA offers home insurance in Wisconsin at $1,423 annually for military families and eligible members. The company provides replacement cost coverage for personal property, paying full value when items are damaged or destroyed. USAA also offers home-sharing coverage, valuable for homeowners in tourist-friendly areas who rent out rooms or spaces to visitors.

USAA charges $1,423 annually for home insurance in Wisconsin, 3% more than the state average of $1,386 but 59% below the national average of $3,467. The company offers bundling discounts when you combine multiple policies and home security system discounts.

USAA earned 737 out of 1,000 points in the J.D. Power customer satisfaction study, well above the industry average of 642. The company operates with a digital-first service model offering direct service and competitive rates for Wisconsin homeowners. USAA provides robust online policy management tools, though in-person support options are more limited than traditional insurers.

USAA provides standard homeowners coverage with optional add-ons:

• Home Protector: Offers 25% more toward your coverage limits for dwelling and other structures in situations like increased building costs
• Water backup: Covers damage from water or sewage that backs up through plumbing from outside the home or overflows from a sump pump
• Earthquake: Protects your home and belongings when damaged by an earthquake, shock wave or tremor
• Personal injury: Covers accusations of damaging someone's reputation through libel, slander, defamation or other harmful actions

State Farm offers Wisconsin's most affordable home insurance at $1,359 annually. The company provides replacement cost coverage for personal property, paying full value after a loss, plus additional living expenses coverage during temporary relocations after covered incidents.

State Farm charges $1,359 annually for home insurance in Wisconsin, 2% less than the state average of $1,386 and 60% below the national average of $3,467. The company offers bundling discounts for multiple policies and home security system discounts, reducing costs further.

State Farm earned 657 out of 1,000 points in the J.D. Power customer satisfaction study, above the industry average of 642. The company operates through local independent agents and direct service, providing a strong local presence with personalized service for Wisconsin homeowners. State Farm offers robust online tools for quotes and claims management, though app functionality remains limited compared to some digital-first competitors.

State Farm provides standard homeowners coverage with optional add-ons:

• Replacement cost: Pays full value to replace personal property after a loss
• Additional living expenses: Covers temporary relocation costs during home repairs
• Dwelling protection: Covers your home's structure against covered perils
• Personal liability: Protects against lawsuits for injuries on your property
• Medical payments: Covers medical expenses for guests injured on your property
• Personal property protection: Covers belongings damaged by covered events

At $1,200 per year, Allstate delivers some of Wisconsin's most competitive home insurance rates. The company offers endorsements beyond basic coverage with Claim RateGuard, which keeps your premiums stable even after filing a claim; a valuable protection given Wisconsin's severe weather seasons. Add Personal Property Replacement coverage for full-value item replacements, and you get comprehensive protection without premium prices.

Wisconsin homeowners save significantly with Allstate's $1,200 annual premium, paying 13% less than the state's $1,386 average. That savings expands to 65% below the national average of $3,467, making Wisconsin one of the more affordable states for Allstate coverage. Bundle your home and auto policies or install a home security system to reduce costs further.

Allstate's J.D. Power score of 633 out of 1,000 falls slightly below the 642 industry average, suggesting room for improvement in customer satisfaction. However, the company compensates through flexible service options; local independent agents provide face-to-face support while direct sales channels offer convenience. Wisconsin homeowners benefit from robust digital platforms for policy management and claims filing, bridging traditional and modern service approaches.

Allstate provides standard homeowners coverage with optional add-ons:

• Claim RateGuard: Prevents premium increases after filing a covered claim
• Personal property replacement: Pays full replacement costs for damaged personal belongings
• Dwelling coverage: Protects your home's structure against covered perils
• Personal liability: Covers legal costs if someone is injured on your property
• Additional living expenses: Pays for temporary housing during home repairs
• Medical payments: Covers minor injuries to guests regardless of fault

Auto-Owners Insurance offers Wisconsin homeowners comprehensive coverage at $1,651 annually. The company provides personal property replacement cost coverage, allowing you to replace damaged items without depreciation penalties. Policies include water backup coverage, important protection for Wisconsin homes during wet seasons when flooding risks increase.

Auto-Owners charges $1,651 annually for home insurance in Wisconsin, 19% more than the state average of $1,386 but 52% below the national average of $3,467. The company offers bundling discounts when you combine multiple policies and home security system discounts.

Auto-Owners earned 621 out of 1,000 points in J.D. Power customer satisfaction ratings, below the industry average of 642. The company operates through local independent agents who provide personalized service for Wisconsin homeowners. Auto-Owners focuses on traditional agent interactions rather than digital self-service tools, offering limited online capabilities compared to tech-forward competitors.

Auto-Owners provides standard homeowners coverage with optional add-ons:

• Personal property replacement cost: Covers belongings at full replacement value without depreciation
• Water backup: Protects against damage from backed-up sewers and drains
• Dwelling: Protects your home's structure against covered perils
• Personal liability: Covers legal expenses if someone is injured on your property
• Additional living expenses: Pays for temporary housing during covered repairs
• Other structures: Covers detached garages, sheds and fences