Average homeowners insurance cost in Kenosha, WI

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In Kenosha, homeowners pay an average annual rate of $1,658 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to Insure.com’s rate analysis. This is $924 less than the national average of $2,582.

Homeowners insurance premiums can vary significantly from one property to another. In Kenosha, the cost of home insurance is influenced by several factors, including:

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

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read this guide to discover the monthly homeowners insurance cost in Kenosha, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Kenosha.

Key takeaways

The average cost of homeowners insurance in Kenosha is $1,658 per year.
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 just have to pay $387 more a year for home insurance.

Average homeowners insurance cost in Kenosha per month

According to Insure.com’s rate analysis, residents of Kenosha pay an average of $138 per month for homeowners insurance. This is $1 more than the state average of $137 and $77 less than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Kenosha can vary depending on your location, property value, and selected coverage options.

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 amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

Average homeowners insurance cost for a $300,000 house in Kenosha

According to Insure.com’s rate analysis, homeowners in Kenosha typically pay an average of $1,658 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $387. It is advisable to purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

Average homeowners insurance cost in Kenosha by company

After evaluating several carriers, West Bend Mutual is the least expensive homeowners insurance provider in Kenosha. It’s average annual rate for homeowners in Kenosha is $1,100.

Allstate holds the second position, while State Farm secures the third spot with an average annual home insurance rate of $1,344.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Kenosha and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Kenosha 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

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 $1,000 deductible. The data presented are those with a good credit tier alignment.