Average renters insurance cost in Kenosha, Wisconsin

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The average cost of renters insurance in Kenosha, Wisconsin is $195 per year – $10 more than the state average of $185 annually.

A renters insurance policy protects your personal belongings from events like fire, smoke, theft, and vandalism, and provides liability coverage if you’re found responsible for injuring someone or damaging their property.

Your rate will vary based on the insurer you choose, your deductible, coverage limits, ZIP code, and the discounts available to you.

How to get the best deal for renters insurance in Kenosha

Get quotes from at least three insurers before committing – rates can vary dramatically for the same coverage, and the difference can add up to hundreds per year.
Ask about bundling discounts if you carry auto or other insurance – placing multiple policies with one provider usually brings your rate down.
Try increasing your deductible to $1,000 if you’re currently at $500 – the annual savings can reach $10.
Check whether your building’s safety features – deadbolts, smoke detectors, or a security system – qualify you for a discount.
Pay your premium in full for the year rather than splitting it into monthly payments – most insurers reduce the rate for upfront payment.

What is the average cost of renters insurance per month in Kenosha?

Monthly renters insurance costs in Kenosha depend on your provider and how much coverage you carry. For a policy with $20,000 in personal property coverage and a $1,000 deductible, the average monthly rate is $12.

Upgrading to $40,000 in personal property coverage adds approximately $4 more per month, putting the average premium at $16. That figure covers $40,000 in personal property protection, $100,000 in liability coverage, and a $1,000 deductible – $1 more than the state monthly average of $15.

Key takeaways

Renters insurance protects your personal belongings and provides liability coverage within your rental
The average annual cost of renters insurance in Kenosha is $195
West Bend Insurance Company has the most competitive rates in the city
Your premium is influenced by your insurer, coverage limits, ZIP code, and available discounts
If you own valuable items like jewelry, electronics, or furniture, higher coverage limits are worth considering

How much is renters insurance in Kenosha? Rates by deductible

For a policy with $20,000 in personal property coverage and a $500 deductible, renters in Kenosha pay an average of $149 per year.

Your deductible is the share of a claim you cover before your insurer pays the rest. It’s also one of the most direct levers for controlling your premium – raising it from $500 to $1,000 can knock $10 off your annual cost.

The table below shows how premiums change across different personal property coverage amounts and deductible levels.

Deductible	Rates with $20,000 personal property	$40,000 personal property	$60,000 personal property
500	$149	$209	$267
1000	$139	$195	$250

Who offers affordable renters insurance in Kenosha?

West Bend Insurance Company tops the list for affordability in Kenosha, coming in at $91 per year or $8 monthly. Acuity Insurance holds the second spot, with Auto-Owners rounding out the top three.

The table below compares average annual and monthly premiums from the most affordable renters insurance providers in Kenosha.

Renter insurance provider	Average annual rate	Average per month rate
West Bend Insurance Company	$91	$8
Acuity Insurance	$152	$13
Auto-Owners	$168	$14
State Farm	$189	$16
Secura Insurance	$192	$16
Allstate	$202	$17
Nationwide	$204	$17
Wisconsin Mutual	$250	$21
American Family	$305	$25

How to lower the cost of renters insurance

You can lower the cost of renters insurance by shopping around, bundling policies, and going for a higher deductible.

Bundle policies. Grouping your renters policy with your auto or other insurance at the same company can lower what you pay across the board.
Increase your deductible. Choosing a higher deductible brings your premium down immediately – just be certain the amount is something you could manage out of pocket following a claim.
Choose the right coverage amount. Revisit your coverage limits annually. If your personal belongings haven’t grown in value, you may be spending more on personal property coverage than necessary.
Avoid filing small claims. Repeated small claims can cause your rates to climb faster than one large claim would. For minor incidents, absorbing the cost yourself often makes more financial sense.
Improve your credit score. Credit scores influence insurance pricing in most states – a higher score is one of the clearest ways to bring your premium down over time.
Compare quotes every renewal. Rates evolve year to year, and loyalty doesn’t always pay. Setting aside 30 minutes to shop around at renewal can save you a meaningful amount annually.

Renters insurance replaces belongings that are stolen or damaged, and covers your financial exposure when you’re liable for someone else’s loss. Comparing providers and claiming every discount you qualify for are the most reliable ways to keep your premium in check.

Frequently asked questions

Is renters insurance required in Kenosha?

No state law mandates it, but your landlord may. Regardless, having coverage protects your belongings and shields you from liability if a guest is injured in your home.

What does renters insurance cover?

A renters policy covers personal belongings that are stolen or damaged, liability claims you’re responsible for, and temporary living expenses if a covered event makes your rental uninhabitable.

How much renters insurance do I need?

Enough to replace everything you own if it were stolen or destroyed. If you have high-value items like electronics, furniture, or jewelry, consider higher limits or scheduled coverage for those specific items.

Who has the cheapest renters insurance in Kenosha?

West Bend Insurance Company offers the lowest average rates in Kenosha at $8 per month.

Methodology

Insure.com worked with Quadrant Information Services to compile renters insurance rate data for Kenosha, using a policy with $40,000 in personal property coverage, $300,000 in liability coverage, and a $1,000 deductible. All rates are based on a good credit tier profile.

How much is renters insurance in other cities?

See rates in your city

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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.