Average homeowners insurance cost in Kenosha, WI

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In Kenosha, homeowners pay an average annual rate of $1,658 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible). It’s $924 less than the national average of $2,582 .

Homeowners insurance rates change from one home to another. The home insurance premium in Kenosha depends on various factors, such as:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide for more info on how much homeowners insurance costs per month in Kenosha, home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Kenosha.

Key Takeaways

The cost of your homeowners insurance policy in Kenosha can vary based on factors such as your location, the value of your home, and the coverage options you select.
West Bend Mutual is the cheapest homeowners insurance company in Kenosha with an average annual premium of $1,100 .
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $387 more annually for home insurance.

Average homeowners insurance cost per month

How much you pay for a homeowners insurance policy depends on the value of your home, your location, and the coverage options you select.

Homeowners in Kenosha pay an average of $138 per month. It’s just $1 more than the state average of $137 and $77 less than the national average for home insurance across the nation.

Average homeowners insurance cost for a $200,000 house in Kenosha

The average cost of homeowners insurance in Kenosha, WI is $1,271 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The cost of your home insurance each year depends on several factors – including the risk of natural disasters in your area. If your city is prone to events like hurricanes, wildfires, or floods, you’ll likely pay more for coverage.

Some places are more prone to natural disasters, like floods, hurricanes, or tornadoes. That makes rebuilding after a major event more expensive, which is why home insurance tends to cost more in those areas. And keep in mind, your standard policy probably doesn’t cover flood or hurricane damage. If you live in a high-risk zone, it’s definitely worth looking into separate flood insurance for extra protection.

Average homeowners insurance cost for a $300,000 house

As per rate analysis by Insure.com, homeowners residing in Kenosha typically pay an average of $1,658 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $387 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

Average homeowners insurance cost in Kenosha by company

Among the carriers we analyzed, West Bend Mutual is the most affordable homeowners insurance company in Kenosha. Its average annual rate for homeowners in Kenosha is $1,100 , while Allstate ranks second.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Kenosha and compiled a list of the most affordable home insurance companies.

Below are details of Kenosha home insurance companies and their average annual premiums.

Home Insurance Company	Annual rate
West Bend Mutual	$1,100
Allstate	$1,286
State Farm	$1,344
Secura Insurance	$1,410
Acuity A Mutual Ins Co	$1,663
Farmers	$1,792
Auto-Owners	$1,841
American Family	$2,466
Nationwide	$1,431
USAA*	$1,773

*USAA is only available to military community members and their families.

Combining your home insurance with other policies, like auto insurance, can result in significant savings. Insurers often provide discounts to policyholders who bundle their policies, helping you reduce premiums. Bundling lowers your premiums and simplifies managing your insurance with one company.

Natural disasters in Wisconsin that can impact your home insurance

Natural disasters are a part of life in Wisconsin, often leading to expensive insurance claims. That’s why it’s so important to understand which disasters are most likely in your area before choosing a home insurance policy.

When you’re aware of the specific risks in your region, you can tailor your coverage to match – whether that means increasing your policy limits, choosing a deductible you’re comfortable with, or adding extra protection for uncovered events. Taking these steps now can help you avoid being underinsured and give you more financial security if a natural disaster hits your area.

Wisconsin is commonly affected by Cold wave.

How home insurance protects you against natural disasters

Home insurance protects your property and belongings from the financial impact of natural disasters. Home insurance can help pay for structural damage repairs, replace lost or damaged items, and provide funds for temporary housing if you can’t live in your home. This coverage provides financial relief, making it easier for homeowners to recover quickly from the effects of natural disasters.

While standard policies generally cover damage from windstorms, hail and lightning, additional coverage is required for disasters like floods, earthquakes and wildfires.

These types of damage are usually not covered by homeowners insurance, so homeowners need to buy separate flood or earthquake insurance to ensure complete protection.

Keep in mind: Standard policies may not cover everything

While homeowners insurance typically protects against common hazards, some natural disasters – like floods and earthquakes – require separate policies. Don’t assume you’re fully covered. Check your policy details and consider endorsements or supplemental coverage if you live in a high-risk area.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Kenosha for $300,000 dwelling coverage and $100,000 liability coverage with a $1000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.