Wisconsin homeowners insurance calculator

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The average annual cost of homeowners insurance in Wisconsin is $1,812, but what you pay will depend on factors like your home’s location, replacement cost, coverage limits, and deductible.

Our Wisconsin homeowners insurance calculator is a good starting point if you want a general sense of what insuring your home might cost. It shows how dwelling coverage, liability limits, and deductible choices influence your premium, and lets you compare rates across insurers and against the state average.

Whether you’re purchasing a home, revisiting your current policy, or looking for a better rate, the calculator helps set realistic expectations before you start collecting quotes.

How can I lower my homeowners insurance premium in Wisconsin?

Compare quotes from several insurers before committing – rates for identical coverage can vary more than you might expect.
Consider raising your deductible – accepting a higher out-of-pocket cost in a claim usually brings your annual premium down.
Bundle your home and auto policies with the same insurer to take advantage of multi-policy discounts.
Add safety features to your home, such as smoke detectors, deadbolt locks, or a security system – these can qualify you for additional savings.

How to use the Wisconsin home insurance calculator

Our home insurance calculator is designed to produce a quick cost estimate for homeowners in Wisconsin. Just enter a handful of details, and you’ll have a working figure to reference. Here’s what to input:

Select your state. Pick Wisconsin to surface rates relevant to your location.
Enter your dwelling coverage amount. Base this on what it would realistically cost to rebuild your home from the ground up.
Choose your liability limit. This is the protection that covers you if a visitor is injured on your property or you cause damage to someone else’s belongings.
Set your deductible. This is the portion of any claim you’d cover yourself before your policy takes over.

After entering your information, the calculator will show you:

The average annual homeowners insurance rate in Wisconsin
The highest and lowest rates in our dataset
A breakdown of insurers in Wisconsin and their typical annual premiums

It’s a straightforward way to get a sense of your likely costs and identify which insurers are worth pursuing for a formal quote.

Wisconsin home insurance calculator

See how the average annual home insurance rates vary with the options chosen.

State

Wisconsin

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Dwelling coverage

Liability coverage

Deductible

Standard ($2500)

Standard ($2500)Standard ($1000)

Average annual home insurance rates in
Wisconsin

$1,734 Average rate

Average rate

$1,734/Yr

Lowest rate

$1,234/Yr

Highest rate

$2,982/Yr

Rates by carriers in Wisconsin

Company	Average annual rate
Secura Insurance	$1,234
West Bend Insurance Company	$1,288
Allstate	$1,427
Auto-Owners	$1,523
USAA	$1,525
Farmers	$1,545
State Farm	$1,834
Acuity Insurance	$1,957
Nationwide	$2,027
American Family	$2,982

Methodology

Insure.com commissioned Quadrant Information Systems to analyse home insurance rates from major insurers in the U.S. The analysis includes over 37 million quotes from 134 companies across more than 34,000 ZIP codes, using standardized coverage levels to calculate national averages. The homeowner profile is a 35-year-old married applicant with excellent insurance score; new business HO3 policy for house built in 2000 with frame construction and composition roof. Other Structures: 10%. Loss of Use defaulted: 10%. Guest Medical limit: $5,000. Deductible limit: $1,000. Personal property: 50% of dwelling coverage for replacement value

Key Takeaways

The average homeowners insurance premium in Wisconsin is $1,812 per year, which is cheaper than the national average of $2,543.
Premiums vary depending on your home’s location, age, size, estimated rebuild cost, and the coverage limits you choose.
Floods, earthquakes, and similar climate-related events are not covered under a standard homeowners policy – residents in high-risk areas should look into separate coverage.
Because rates differ meaningfully between insurers, shopping around and comparing quotes is one of the most effective ways to reduce costs.

What affects your homeowners insurance premium?

Several factors determine what you’ll pay, including where your home is located, its age and construction, your claims history and the coverage options you select.

Dwelling coverage. The estimated cost to rebuild your home, based on its size, materials, and local construction prices.
Liability coverage. Helps cover costs if someone is injured on your property or if you accidentally damage someone else’s property.
Deductible. The amount you pay out of pocket before insurance kicks in. Choosing a higher deductible can lower your premium, but it also means more costs upfront if you file a claim.

Check your credit score

Depending on your state and whether they allow credit score to be taken into account in determining your premium, a credit score can dramatically impact your premium.

While not permitted in all states, insurers in many states use credit-based insurance scores as a rating factor, so paying bills on time and keeping debt low can work in your favor.

How does dwelling coverage affect homeowners insurance in Wisconsin?

Dwelling coverage is what funds the repair or rebuilding of your home after a covered loss. The coverage amount you select has a direct bearing on your premium – higher coverage generally means higher costs. That said, it’s important to choose an amount that would genuinely cover a full rebuild, so you’re not left short if a major loss occurs.

The table below shows average annual and monthly premiums at various dwelling coverage levels.

Dwelling coverage	Average annual rate	Average monthly rate
$200,000	$1,365	$114
$300,000	$1,812	$151
$400,000	$2,234	$186
$600,000	$3,031	$253
$1,000,000	$4,199	$350

Average cost of homeowners insurance in Wisconsin

The average homeowners insurance premium in Wisconsin is $1,812 per year, which is cheaper than the national average of $2,543.

This figure is based on a standard policy with:

$300,000 in dwelling coverage
$300,000 in liability protection
$1,000 deductible

What you actually pay will depend on a range of factors specific to your property and location, including your home’s age, size, and estimated cost to rebuild.

Average cost of home insurance in major Wisconsin cities

Homeowners insurance isn’t priced the same across Wisconsin. Rates in Appleton are among the most affordable in the state, while homeowners in Eau Claire face significantly higher premiums.

The table below outlines average annual rates across major cities in Wisconsin.

City	Average annual rate	Average monthly rate
Appleton	$1,600	$133
Eau Claire	$1,902	$158
Green Bay	$1,672	$139
Janesville	$1,710	$143
Kenosha	$1,750	$146
Madison	$1,697	$141
Milwaukee	$1,896	$158
Oshkosh	$1,623	$135
Racine	$1,761	$147
Waukesha	$1,805	$150

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Wisconsin by city

See rates in your city

How do natural disasters affect homeowners insurance rates in Wisconsin?

Where your home sits on the map directly affects what you pay for insurance. Homes in areas prone to flooding, wildfires, hurricanes or tornadoes tend to carry higher premiums because they’re more likely to result in large claims.

What’s equally important to know is that standard homeowners policies don’t cover these events. Depending on your location, you may need separate policies or endorsements for:

Flooding
Wildfires
Hurricanes
Tornadoes

Adding this coverage raises your premium, but it also means you won’t be left covering major losses out of pocket after a disaster.

What our expert says

Q: What additional coverage should homeowners buy?

Amy BachExecutive Director of United Policyholders

“For those who live near any body of water or at the base of a hill, get a quote for flood insurance.”

Frequently asked questions

What is the average cost of homeowners insurance in Wisconsin?

The average homeowners insurance premium in Wisconsin is $1,812 per year. Your actual rate will vary based on your home’s location, age, construction type, replacement cost, and the coverage limits and deductible you select.

How much homeowners insurance coverage do I need in Wisconsin?

Your dwelling coverage should be sufficient to fully rebuild your home in the event of a total loss. For liability, a limit that covers your assets in the event of an injury or property damage claim is a sensible starting point. If you have significant savings or valuable property, higher limits and additional endorsements are worth considering.

Does increasing my deductible lower homeowners insurance costs?

Yes. Opting for a higher deductible reduces your premium because you’re taking on a greater share of the initial cost if a claim arises. Just make sure the deductible you choose is an amount you could comfortably cover out of pocket if needed.

Methodology

Insure.com sourced homeowners insurance rates from Quadrant Data Services in late 2025, based on policies with dwelling coverage between $200,000 and $1 million and liability coverage of $100,000 and $300,000. All sample rates used a $1,000 deductible, with a 2% hurricane deductible applied where relevant.

Calculate home insurance premium in other states

$1,397/Year

$3,633/Year

$3,733/Year

$2,344/Year

$1,616/Year

$4,963/Year

$1,905/Year

$1,656/Year

$1,374/Year

$7,136/Year

$2,323/Year

$659/Year

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.