MoneyGeek found Erie is the best home insurance company overall in Wisconsin. But Auto-Owners Insurance Co is the top choice for homeowners looking for the best service without considering cost, and State Farm is our pick for people insuring expensive homes or who want to save by bundling home with auto.

To help homeowners find a home insurance policy that fits their needs, the MoneyGeek scoring system ranked the best companies in Wisconsin for home insurance for various homeowner profiles. We also broke down coverages and discounts offered by these insurers.

MoneyGeek also analyzed the cheapest homeowners insurance providers in Wisconsin for those more concerned with saving on their monthly bill.

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2024

The Best Homeowners Insurance in Wisconsin

The Best Overall Homeowners Insurance Companies in Wisconsin

When determining the best home insurance companies in Wisconsin, MoneyGeek reviewed insurers based on their customer satisfaction and claims reputation, affordability and financial stability.

Wisconsin’s best home insurance companies overall are:

  • Erie: MoneyGeek score of 85 out of 100
  • Auto-Owners Insurance Co: MoneyGeek score of 83 out of 100

USAA earned the highest score at 93 out of 100; however, we didn’t include it in our analysis due to its limited availability — only active and retired military members are eligible for a policy, and it is the best choice for them.

We broke down why Erie and Auto-Owners Insurance Co obtained the highest scores to be the overall best home insurers in Wisconsin and the unique coverages and discounts they offer.

The Top Home Insurance Companies in Wisconsin

1
Erie
Score:85

5/5

Affordability

3.9/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Erie costs approximately $546 per year, ranking first for home insurance affordability in Wisconsin. It got an above-average score for financial stability but an average score for customer satisfaction. Erie offers service line add-on coverage, which isn’t common.

More About Erie

Erie allows you to add the rare service line coverage on your policy that pays for expenses related to underground service and utility lines. On a home insurance policy, Erie automatically includes guaranteed replacement cost to cover rebuilding the house. You can also get a policy discount if you obtain a quote 7–60 days before the renewal date.

2
Auto-Owners
Score:83

3.6/5

Affordability

4.2/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Auto-Owners Insurance Co has a perfect score of 5/5 for financial stability, is above-average for customer satisfaction, but average for affordability, costing $1,512 per year. It has equipment breakdown coverage as an add-on, a rare offering.

More About Auto-Owners

Auto-Owners Insurance Co’s add-on equipment breakdown coverage pays for electrical and mechanical failures of home equipment like heaters and air conditioning units. Off-premises personal property add-on coverage is available, too, to cover damages to personal property while on vacation. A policy discount is available if you pay your premium on time for 36 months.

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HOW WE DETERMINED THE BEST WISCONSIN HOME INSURANCE

MoneyGeek collected home insurance quotes across the country and balanced them against J.D. Power property claims and customer satisfaction scores. We used this information to find the best home insurance nationally and in Wisconsin.

The actual cost of home insurance and your experience may vary depending on your circumstances. Read MoneyGeek’s methodology for more information.

The Best Homeowners Companies in Wisconsin for Service Quality

MoneyGeek ranked Wisconsin’s home insurance providers almost entirely on customer satisfaction and claims experience reputation for homeowners who prioritize quality service over cost.

The home insurance companies in Wisconsin with the best-rated service quality are:

  • Auto-Owners Insurance Co: MoneyGeek score of 89 out of 100
  • American Family: MoneyGeek score of 83 out of 100

USAA scored 100 out of 100 for homeowners insurance service quality in Wisconsin, but we didn’t include it in this study because only active military personnel and veterans are eligible. They will find USAA is their best option for home insurance.

We analyzed why Auto-Owners Insurance Co and American Family are Wisconsin’s best companies for service quality, disregarding their price.

The Top Home Insurance Companies in Wisconsin for Quality Service

1
Auto-Owners
Score:89

4.8/5

Claims

4/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Auto-Owners Insurance Co ranks above-average for claims and customer satisfaction, but its claims score is higher within the bracket at 4.77 out of 5. Its great claims score is due to positive feedback from customers about the claims process.

More About Auto-Owners

Auto-Owners Insurance Co policyholders can add service line coverage. That pays for repair costs to underground piping or wiring that connects your home to a utility service. It also offers specialty vehicle add-on coverage, which is rare, that covers boats, ATVs and off-road vehicles.

2
American Family Insurance
Score:83

4.3/5

Claims

4/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

American Family’s claims rating and service rating are both above-average, with claims higher at 4.3 out of 5. That means American Family provides quality service to its customers when processing claims.

More About American Family Insurance

You can add hidden water damage to your American Family homeowners policy. That rare coverage pays for water damage caused by an unseen leak within plumbing or household appliances. You can also add matching coverage — another unique option — that covers replacement costs to undamaged siding in a covered loss to match the replaced damaged siding.

The Best Homeowners Companies in Wisconsin on a Budget

MoneyGeek found the best-rated budget-friendly home insurance companies in Wisconsin. We identified which companies offer affordable homeowners policies alongside good customer service.

In Wisconsin, the best home insurance companies for homeowners on a budget are:

  • Erie: MoneyGeek score of 92 out of 100
  • Allstate: MoneyGeek score of 85 out of 100

The average cost of home insurance from Erie is $546 per year, and Allstate costs roughly $1,009 per year.

USAA obtained a MoneyGeek score of 87 out of 100 for homeowners insurance on a budget, ranking second in Wisconsin. We excluded USAA from our rankings since it’s only available to active military members, veterans and their families.

We broke down why Erie achieved the highest rating for homeowners looking to save on home insurance, also identifying its unique coverages and discounts.

The Top Home Insurance Companies in Wisconsin on a Budget
Erie

pros

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Most affordable home insurance at approximately $546 per year

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Offers bundling and protective device discounts

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No claims-free, new home or home renovation discounts

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MoneyGeek satisfaction rating of 3.86 out of 5

COMPANY HIGHLIGHTS

Erie is the top-rated home insurance provider in Wisconsin for affordability, gaining a perfect score of 5 out of 5.

Policyholders may qualify for a discount if they bundle their car and home insurance with Erie. Having an alarm for burglary or smoke may also result in a discount.

A rare discount Erie offers is early payment for homeowners who get a home insurance quote seven to 60 days before their policy renews.

The Best Homeowners Companies in Wisconsin for Expensive Homes

MoneyGeek ranked the best home insurance companies for expensive homes with a high rebuilding cost in Wisconsin. We weighed the cost of insuring a Wisconsin house that would cost $2 million to replace against customer satisfaction ratings.

Wisconsin’s best home insurance companies for homeowners with an expensive house are:

  • State Farm: MoneyGeek score of 84 out of 100
  • Erie: MoneyGeek score of 84 out of 100

Although USAA obtained a perfect score, its limited availability excluded it from this list. But, it is the best expensive home insurance provider for eligible military families in Wisconsin.

We evaluated why State Farm ranked the highest among Wisconsin home insurance companies for high-value home insurance and reviewed the unique coverages it offers that are useful when insuring an expensive house that needs more coverage.

The Top Home Insurance Companies in Wisconsin for High-Value Homes
State Farm

pros

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MoneyGeek satisfaction rating of 4.1 out of 5

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Offers a protective device and continuously insured discount

cons

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More expensive than many home insurance companies servicing high-value homes

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No contents replacement cost or extended reimbursement coverages

COMPANY HIGHLIGHTS

With a customer satisfaction score of 4.1 out of 5, State Farm has great customer service.

State Farm offers add-on coverages that are useful for high-value homeowners. Scheduled personal property covers jewelry, silver- and goldware, business property and firearms. You can also add identity theft and cyber event coverage for case management services and expense reimbursement for fraudulent identity use.

The Best Homeowners Companies in Wisconsin for Veterans

MoneyGeek ranked Wisconsin’s best home insurance companies for military members and their families. Our research shows that USAA is the best home insurance company choice in Wisconsin for veterans, with a MoneyGeek score of 93 out of 100.

A USAA policy is average for affordability at around $1,345 per year. USAA scored an excellent 5 out of 5 on customer satisfaction and claims.

USAA tailors its home policies to current and former military personnel.

The Top Home Insurance Companies in Wisconsin for Veterans
USAA

pros

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Coverages and services tailored to military families

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MoneyGeek satisfaction rating of 5 out of 5

cons

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MoneyGeek affordability score of 3.88 out of 5

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Unavailable to homeowners with no military background

COMPANY HIGHLIGHTS

USAA got an excellent customer satisfaction score in Wisconsin, with a perfect rating of 5 out of 5.

USAA automatically provides contents replacement cost coverage in home insurance policies. It covers your personal belongings, replacing them at today’s cost without depreciation. Policyholders also have the option to add home rental coverage, which helps protect you and your guests if you’re renting your house or a room inside it.

USAA gives a discount for bundling home insurance with car insurance. Not making a claim for five or more years may also provide you with a discount on your home insurance policy.

The Best Homeowners Companies in Wisconsin for Bundling

For homeowners who also need auto insurance, MoneyGeek found the best-rated insurance companies for bundling home and auto insurance policies in Wisconsin that balance the best home insurance policy with the best car insurance in Wisconsin.

The best home and auto insurance bundling companies in Wisconsin are:

  • State Farm: MoneyGeek score of 84 out of 100
  • Travelers: MoneyGeek score of 74 out of 100

Bundling home and car insurance policies can result in additional discounts on premiums. Plus, policyholders benefit from dealing with only one company when insuring their homes and cars.

The Top Home Insurance Companies in Wisconsin for Bundling
State Farm

pros

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28% bundling discount

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MoneyGeek score of 4.08 out of 5 for home insurance

cons

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MoneyGeek score of 3.94 out of 5 for car insurance

COMPANY HIGHLIGHTS

State Farm’s home insurance score is above-average at 4.08 out of 5. Its auto insurance rating is near that point. Bundling home and car insurance policies with State Farm may get you a 28% discount.

State Farm allows home insurance policyholders to include unique policy coverage add-ons, such as home systems protection. That covers damages from an abrupt or accidental breakdown of a home system, such as electric, heating, cooling or water/air filtration.

State Farm car insurance policyholders can choose to include rideshare coverage. It is useful for ridesharing company workers as it extends some coverages of the driver’s car insurance policy when they’re available for hire with the app on.

How to Find the Best Home Insurance in Wisconsin

When shopping for home insurance in Wisconsin, it’s important to look for a company that balances cost, service reputation and financial stability. Homeowners can use MoneyGeek’s data to find the best home insurance in Wisconsin or collect information and go through the process themselves.

1

Research Customer Service Reputations in Wisconsin

MoneyGeek collected data about the customer service reputation of home insurance companies in Wisconsin. Homeowners doing the process themselves can research J.D. Power satisfaction scores and NAIC complaint ratios. They can also visit the Wisconsin Office of the Commissioner of Insurance for more details.

2

Compare Quotes for Yourself

MoneyGeek’s insurance quotes are averages for sample homeowner profiles in most of Wisconsin but not every area. When comparing quotes, we recommend getting offers from at least three companies. That is the best way to determine the cost of home insurance for your profile.

3

Make Sure the Company Has Coverages You Want in Wisconsin

Some insurance providers advertise coverages and discounts, but they are not always available in every state, such as Wisconsin. Homeowners should confirm with the insurance provider if the discounts and coverages they want are available in Wisconsin.

4

Double-Check Financial Stability Ratings

It’s important to verify an insurance provider’s financial strength. Regional companies tend to be less stable compared to large companies.

FAQs About the Best Home Insurance in Wisconsin

The best home insurance company in Wisconsin depends on you, the homeowner — your preferences and profile. MoneyGeek answered some commonly asked questions to help homeowners learn more about home insurance in Wisconsin.

Methodology

MoneyGeek scores for homeowners insurance in Wisconsin were calculated by using a scaled and weighted average of J.D. Power Property Claims and Customer Satisfaction Scores, real homeowners insurance quotes and financial stability ratings from A.M. Best. Our scoring system weighted J.D. Power scores 60%, affordability 30% and financial stability 10%, adjusting weightings in the sections focused on affordability and service experience specifically.

MoneyGeek analyzed homeowners insurance quotes from the top insurance companies in Wisconsin that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Wisconsin. Quotes were gathered with an average home profile of 2,500 square feet, built in 2000, with an average dwelling coverage value of $250,000, liability coverage of $100,000 and personal property coverage of $100,000.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.