Best Homeowners Insurance in Wisconsin (2024)

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Updated: December 4, 2024

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Chubb is the premier home insurance company in Wisconsin for overall quality and cost-effectiveness. It's a top pick for those who prioritize a balance of price and service and for new homeowners due to its excellent coverage options.

Unless otherwise noted, our method for gauging quotes involved a $100,000 dwelling coverage limit. The amount of dwelling coverage you need greatly impacts your premium, so it's important to understand your needs. MoneyGeek has also examined the cheapest home insurance in Wisconsin for budget-focused individuals.

Key Takeaways

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In Wisconsin, Chubb stands out as the top overall homeowners insurance provider, earning an impressive MoneyGeek score of 99 out of 100 due to its excellent balance of affordability and service. Homeowners seeking cost-effectiveness without compromising on service find Chubb an ideal choice, with premiums starting at $447 per year. Nationwide, as the runner-up, offers a reasonable alternative with a MoneyGeek score of 73 out of 100, with annual premiums at $628.

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In Wisconsin, Chubb offers the most affordable homeowners insurance with an impressive annual cost of $447, combining cost-effectiveness with exceptional service. While providing a leading MoneyGeek score of 99 out of 100, Chubb ensures budget-conscious homeowners receive outstanding protection without sacrificing quality. Nationwide emerges as the runner-up, offering a competitive alternative for those exploring other affordable options.

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In Wisconsin, Chubb stands out as the best homeowners insurance provider for outstanding customer service, boasting an impressive MoneyGeek score of 96 out of 100 with a yearly premium of $447. If you're prioritizing top-tier service, Chubb should be at the top of your list. Auto-Owners Insurance is the runner-up, with a close MoneyGeek score of 95 out of 100 and an annual premium of $871.

Why Trust MoneyGeek?
Data from the Wisconsin Department of Insurance and Quadrant Information Services were compiled to pinpoint the top homeowners insurance in Wisconsin.

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These rates reflect the cheapest home insurance quotes in Wisconsin as of 2024.

1,036,800Quotes Analyzed
 
8Companies Compared
 
10ZIP Codes

Overall Best Homeowners Insurance in Wisconsin

Chubb is the leading provider of the best home insurance in Wisconsin. These providers are at the forefront, representing the best overall homeowners insurance options in the state.

  • Chubb: MoneyGeek score of 99 out of 100 ($447 per year)
  • Nationwide: MoneyGeek score of 73 out of 100 ($628 per year)

Finding the right balance of affordability and excellent service based on individual needs is crucial for homeowners seeking peace of mind.

Company logo for Chubb
Best OverallChubb
MoneyGeek Score:
99/ of 100
Overview

Chubb stands out in Wisconsin with top rankings in affordability and customer satisfaction. The company offers an average annual premium of $447. Homeowners in Wisconsin can benefit from Chubb's cash settlement and risk consulting add-ons.

The cash settlement option provides flexibility, allowing homeowners to receive a cash payment instead of rebuilding after a total loss. This can be a major advantage if you decide not to reconstruct. Risk consulting offers personalized services to reduce potential risks at home, enabling a safer living environment and potentially lowering insurance costs over time.

Best Homeowners Insurance in Wisconsin for Customer Service

Chubb stands out as the best home insurance provider in Wisconsin for outstanding service quality. Homeowners seeking exceptional service should consider the best homeowners insurance providers in Wisconsin, highlighted below for the top-tier service they deliver.

  • Chubb: MoneyGeek score of 96 out of 100 ($447 per year)
  • Auto-Owners Insurance: MoneyGeek score of 95 out of 100 ($871 per year)

Valuing service quality in a home insurance provider ensures that your concerns and claims are addressed efficiently and empathetically.

Company logo for Chubb
Best for ServiceChubb
MoneyGeek Score:
96/ of 100
Overview

Chubb is strongly committed to service quality. With average annual premium costs at $447, homeowners can trust in the company's reliability and affordability.

Chubb offers the guaranteed replacement cost which ensures homeowners can rebuild their home as it was before a covered loss. Additionally, building ordinance or law coverage shields homeowners from unexpected expenses when laws or regulations require specific rebuilding standards. These reasonably common coverages provide homeowners with extra layers of financial security and peace of mind.

Best Cheap Homeowners Insurance in Wisconsin

Looking for the best Chubb offers the top-notch option for cheap home insurance in Wisconsin for those searching for value. Below are the most cost-effective homeowners insurance carriers in Wisconsin for budget-conscious homeowners:

  • Chubb: MoneyGeek score of 99 out of 100 ($447 per year)
  • Nationwide: MoneyGeek score of 72 out of 100 ($628 per year)

With an impressive affordability score of 75 out of 75, Chubb ensures that homeowners don't have to compromise on protection for a better price.

Cheaper premiums do not always equate to superior service. It's crucial to choose a provider that offers a good balance between economical pricing and exemplary service when looking for the average cost of home insurance in Wisconsin.

Company logo for Chubb
Best CheapChubb
MoneyGeek Score:
99/ of 100
Overview

Chubb offers an unbeatable affordability score for Wisconsin homeowners on a budget. Their average annual premium is just $447, making it a top pick for cost-conscious households.

Chubb provides a suite of discounts to further reduce home insurance costs. Common discounts include protective device credits for secure properties and a claims free reward for those without recent claims. The protective device discount acknowledges the installation of safety measures in your home, such as smoke detectors and burglar alarms, while the claims free discount benefits vigilant homeowners with a claim-free history.

Best Homeowners Insurance in Wisconsin for Expensive Homes

Chubb stands out as the best choice in Wisconsin for those with expensive homes. The providers listed below are the leading homeowners insurance providers in the state for expensive homes requiring $1 million in dwelling coverage.

  • Chubb: MoneyGeek score of 88 out of 100 ($3,844 per year)
  • State Farm: MoneyGeek score of 88 out of 100 ($3,670 per year)

Given that Higher value homes often necessitate increased coverage, impacting costs significantly, homeowners must prioritize obtaining insurance that delivers an ideal mix of value and coverage adequacy.

Company logo for Chubb
Best for Expensive HomesChubb
MoneyGeek Score:
88/ of 100
Overview

Chubb stands out as the top home insurance provider for wealthy homeowners in Wisconsin, with an impressive affordability score of 44 out of 55. The average premium is approximately $3,844.

Enhancing this value, Chubb offers a protective device discount, which reduces premiums for homes equipped with certain safety features, like alarms and monitoring systems. Chubb's coverage options include building ordinance or law, which covers extra costs to rebuild according to current codes.

Best Homeowners Insurance in Wisconsin for New Homes

Chubb leads the pack with the best home insurance in Wisconsin for those with new homes. The providers listed below are the very best in the state, offering comprehensive homeowners insurance for $500K in dwelling coverage for new homes.

  • Chubb: MoneyGeek score of 93 out of 100 ($1,473 per year)
  • Foremost Insurance: MoneyGeek score of 75 out of 100 ($1,476 per year)

Chubb stands out with high affordability and customer service scores. These two factors provide homeowners with an exceptional balance between cost and service.

Company logo for Chubb
Best for New HomesChubb
MoneyGeek Score:
93/ of 100
Overview

Chubb shines as the top choice for new homeowners in Wisconsin with a perfect affordability score of 55, boasting an average annual premium of $1,473. Their guaranteed replacement cost coverage offers peace of mind, paying for a rebuild even if it exceeds the policy limit, ensuring full protection of your investment.

Chubb differentiates itself with a mix of very rare discounts including a New Home discount for recent constructions and a Home Renovation discount for updated properties. Qualify by owning a new home or completing renovations, providing substantial savings on premiums.

Best Homeowners Insurance in Wisconsin for Veterans

Multiple home insurance companies offer valuable benefits for veterans and military members. Chubb is the state's top-ranking company with the highest MoneyGeek score. It has an annual premium of $447. The best and most affordable homeowners insurance providers in Wisconsin for veterans and military families are detailed below.

  • Chubb: MoneyGeek score of 91 out of 100 ($447 per year)
  • State Farm: MoneyGeek score of 70 out of 100 ($597 per year)

The leading homeowners insurance company for veterans acknowledges the distinctive requirements they face, such as frequent moves and deployment periods. Homeowners insurance for veterans is designed to afford them peace of mind, regardless of where their service takes them.

Company logo for Chubb
Best for VeteransChubb
MoneyGeek Score:
91/ of 100
Overview

Chubb stands out as the best home insurance provider for veterans in Wisconsin. Chubb offers a mix of common and very rare discounts that are beneficial to homeowners, including significant savings for those with newly renovated homes or brand-new houses.

The protective device discount rewards you for securing your home with safety features such as alarms, while the new home discount is available if your residence is of recent construction, offering yet another opportunity for veterans to save.

How to Find the Best Homeowners Insurance in Wisconsin for You

The top homeowner's insurance providers ensure excellent customer service and comprehensive coverage at competitive premiums. However, the best policy for you hinges on individual needs and circumstances. Below, we detail steps to help you secure optimal protection for your home.

  1. 1
    Assess Your Insurance Needs

    Begin by determining how much home insurance coverage you need. Consider factors such as the value of your home, personal belongings and potential risks specific to your location.

  2. 2
    Research Various Providers

    Gather information on multiple insurance companies. Look into their reputations, track record of customer satisfaction and the policies they offer.

  3. 3
    Compare Coverage and Costs

    After shortlisting potential providers, scrutinize the details of their policies. You'll want to compare home insurance quotes to ensure you’re getting the best deal. Look beyond the premiums and consider deductibles, policy limits and exclusions.

  4. 4
    Understand the Policy Details

    Ensure that you have a thorough understanding of the policy's intricacies. Pay close attention to the extent of coverage, whether it includes replacement cost or actual cash value for personal property, the types of covered perils and any additional coverage options that may be necessary for your situation.

  5. 5
    Consult With an Independent Agent

    An independent insurance agent can help clarify the finer points of different policies and provide expert advice tailored to your needs.

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DOES HOME INSURANCE COVER FLOOD DAMAGE IN WISCONSIN?

Flood insurance is not a legal requirement for homeowners in Wisconsin. Nonetheless, investing in flood insurance in Wisconsin can help cover costs associated with flood damage.

FAQ: Homeowners Insurance in Wisconsin

Selecting the best homeowners insurance provider in Wisconsin is a personalized process, as the right choice varies based on individual needs. To help you with this decision, we've compiled a list of frequently asked questions about the best homeowners insurance providers

Which insurance company is best for home insurance in Wisconsin?

Who has the most affordable homeowners insurance in Wisconsin?

About Mark Fitzpatrick

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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He 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.

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