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: November 26, 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:
$250K Dwelling / $125K Personal Property / $200K Liability
1000
Good
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
Wisconsin's top customer experience for home insurance comes from Chubb, which leads in overall customer satisfaction according to J.D. Power. Comprehensive coverage options include specialized masterpiece policies for high-value homes. The homescan service detects hidden issues like electrical problems or moisture buildup before they turn into costly damage.
Data filtered by:
$100K Dwelling / $50K Personal Property / $100K Liability
1000
Below Fair
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 is our best overall pick for car insurance in Wisconsin, offering a balance of affordability, good customer service and extensive coverage options. It provides 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.
Data filtered by:
$100K Dwelling / $50K Personal Property / $100K Liability
1000
Below Fair
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
Follow these steps to find the right coverage:
- 1Determine your coverage needs
Decide on the coverage level you need before shopping for policies. Your home's value, personal belongings and local risk factors determine adequate coverage.
- 2Research costs and discounts
Determine how much home insurance costs in Wisconsin to see if providers truly offer savings. Check for discounts you qualify for to maximize your savings.
- 3Find the best providers for you
Narrow your search for the best and cheapest home insurance in Wisconsin after researching coverage and costs. Evaluate customer service ratings, pricing for your specific situation and available coverage add-ons.
- 4Compare multiple providers
Get quotes through multiple methods since online estimates differ from broker or agent phone quotes.
- 5Evaluate and choose the right policy
Assess each policy's details after comparing quotes. Your budget, coverage extent and any needed endorsements or riders should guide your choice.
Best Homeowners Insurance Wisconsin: Bottom Line
MoneyGeek analysis ranks Auto-Owners, State Farm and Chubb as Wisconsin's best-rated homeowners insurance providers. Research and compare options to find the best fit for your specific 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.