Home Insurance and Car Insurance in Wisconsin

Homeowners Insurance Coverage Options in

In Wisconsin, there are several types of homeowners insurance coverages available.¹ These typically include:

• Dwelling and personal property coverage: This covers damage to the home itself as well as damage to personal items within the home resulting from covered risks like fire, theft or storm damage.
• Personal liability coverage: This provides protection if someone is injured on your property and you are found legally responsible.
• Medical payments coverage: This helps cover medical expenses if someone is injured on your property, regardless of who is at fault.
• Additional living expenses coverage: This can help cover costs like hotel bills and meals if you have to move out of your home while it’s being repaired due to a covered loss.

While Wisconsin doesn’t require homeowners insurance by law, most mortgage lenders require you to have a policy in place.

Common Causes of Loss in

Wisconsin homeowners may file home insurance claims for many reasons, ranging from weather-induced disasters to theft and burglary. The most common types of claims SelectQuote’s partner insurance companies see include, but aren’t limited to, the following issues:

1. Water damage: This can be caused by issues like burst pipes, leaky roofs or flooding from heavy rain. Not all types of water damage may be covered by a standard homeowners insurance policy. For instance, damage from flooding often requires separate flood insurance.
2. Hail damage: Wisconsin experiences frequent thunderstorms, which can result in hail damage to homes. Most homeowners insurance policies cover hail damage, but you should check your policy’s specifics.
3. Wind Damage: Wind can cause significant damage to homes, especially during severe storms or tornadoes. While wind damage is typically covered, some policies may have separate windstorm deductibles.
4. Theft or burglary: If your home is broken into and possessions are stolen, most policies will cover the loss up to a certain limit. Additional coverage can usually be purchased for high-value items.
5. Fire damage: Fire can cause extensive damage to a home. Most homeowners insurance policies provide coverage for fire damage, including the cost to repair or rebuild the home and replace lost belongings.
6. Snow and ice damage: Heavy snowfall and ice can cause roof damage or collapse. Most homeowners insurance policies typically cover this type of damage.

Additional Coverage Options Recommended for Homeowners

In addition to the standard homeowners insurance policy, there are several additional insurance coverage options that carriers often recommend to Wisconsin residents. These can help protect against risks specific to the state’s climate and geographical features. Examples include:

1. Flood insurance: While standard homeowners insurance policies typically cover water damage from issues within the home (like a burst pipe), they generally do not cover damage caused by flooding from external sources. In Wisconsin, certain areas are prone to flooding, especially in spring and fall. Therefore, many insurers recommend purchasing additional flood insurance through the National Flood Insurance Program.
2. Wind or hail coverage: Most homeowners insurance policies in Wisconsin include coverage for wind and hail damage, but some may exclude it or require a separate deductible. If you live in an area of the state that’s prone to severe storms, you might want to consider adding extra wind/hail coverage to your policy.
3. Seepage and leakage coverage: This coverage can protect you if water seeps into your home over a period of time, causing damage. This is usually not covered under a standard homeowners policy, so additional coverage may be needed.
4. Water backup coverage: This covers damage caused by water backing up from sewers or drains, which is not typically covered under a standard homeowners policy. Given the potential for heavy rainfalls in Wisconsin, this can be a valuable add-on.
5. Equipment breakdown coverage: This covers the cost to repair or replace household appliances and systems if they break down. It’s often recommended for homeowners with high-value appliances.
6. Identity theft coverage: With the rise of digital threats, some insurers offer this coverage to help with the costs associated with recovering from identity theft.

Remember, the availability and cost of these additional coverages can vary by insurer and your individual circumstances. It’s important to discuss these options with your insurance agent to ensure you’re adequately protected.

Our Home Insurance Companies in

SelectQuote works with highly rated carriers in each state to help you shop for home insurance that meets both your coverage and budgetary needs. Our team has access to several home and auto insurance companies and will compare prices and policies from several of them at once to find you the best deal.

What is the average home insurance cost in ?

The average monthly premium for home insurance in Wisconsin for SelectQuote customers is $83.65⁺. That number can vary, however, depending on several factors. These include the age and condition of your home, square footage, credit rating, insurance risks such as fire or flood and more. SelectQuote can quickly and easily help you find affordable home insurance rates by shopping for coverage from several insurance carriers at once.

Homeowners Insurance Discounts in

Home insurance discounts can significantly lower the cost of your premiums. In Wisconsin, several insurance companies offer different discounts to customers. Some common types of discounts include the following:

• Claim-free discounts for customers who’ve never filed a claim
• Customer loyalty discounts for those who’ve been with the carrier a long time
• Safety feature discounts for smoke detectors, deadbolt locks and fire extinguishers
• New home discounts for dwellings that have been recently built and therefore likely have fewer claims against them
• Bundling discounts for home, auto and other types of insurance coverage.

Auto Insurance Laws and Requirements

Wisconsin requires all drivers to carry a set minimum of insurance coverage, but what do those policies need to cover? All policies sold by SelectQuote’s partner carriers fulfill those minimum coverage needs, but the common types of auto insurance coverage you’ll find also include the following:

1. Bodily injury liability: This covers expenses related to the injury or death of another driver or a pedestrian when you’re at fault. In Wisconsin, the minimum limits are $25,000 per person and $50,000 per accident.
2. Property damage liability: This pays for damage you cause to someone else’s property while driving. The minimum limit in Wisconsin is $10,000.
3. Uninsured motorist coverage: This pays for medical or funeral costs if you’re hit by an uninsured or hit-and-run driver. It can also cover you if you’re a pedestrian and get hit by an uninsured vehicle. The minimum limits are $25,000 per person and $50,000 per accident.

Other insurance coverage available to Wisconsin drivers, although not required, includes:

• Collision coverage: This covers damage to your own vehicle in the event of a collision with another vehicle or object, regardless of who is at fault.
• Comprehensive coverage: This provides coverage for damages caused by events other than a collision, such as theft, fire, vandalism or natural disasters like hail or flood.
• Medical payments coverage: This can help pay for medical expenses for you and your passengers, regardless of who is at fault in an accident.
• Underinsured motorist coverage: This provides coverage if you’re involved in an accident with a driver who has insufficient insurance to cover the costs of the damages and injuries.
• Rental reimbursement coverage: If your car is being repaired as part of a comprehensive or collision insurance claim, this coverage can help pay for a rental car.
• Towing and labor cost coverage: Also known as roadside assistance, this coverage can help cover the costs if you need a tow, a tire change, lockout service, or other types of roadside assistance.
• Gap insurance: If your car is totaled in an accident, gap insurance can help pay off the balance of your loan or lease if it’s more than what your car is worth.

Teen Driving Laws

Like many other states, Wisconsin’s driving laws are designed to protect new drivers as they gain experience behind the wheel. Teen drivers must fully understand these regulations, especially where insurance requirements are concerned.

Wisconsin requires all teen drivers to obtain a probationary license between the ages of 16 and 18. This graduated license law gradually introduces teen drivers to more complex driving situations. Teen drivers must adhere to strict curfews unless supervised by an adult or traveling between home, school, or work.²

All teen drivers must have the minimum amount of liability coverage before they hit the road. Adding a teen driver to your insurance policy can increase your rates, so it’s important to shop around for coverage to ensure you have protection that won’t break your budget.

Car Registration Information

Wisconsin requires all drivers to register their vehicle with the Department of Transportation, either in-person or online. To obtain registration for your vehicle, you’ll need to provide your Wisconsin Driver’s License or ID card number, the last four digits of your SSN, and your date of birth.³

To apply for a new vehicle registration, you must provide specific information such as your vehicle’s title. You’ll also want to ensure it meets all emissions requirements and passes an inspection. Finally, don’t forget to bring proof of auto insurance.⁴

What is the average car insurance cost in ?

Wisconsin drivers who’ve shopped for their auto insurance coverage with SelectQuote pay an average monthly premium of $114.71⁺. That number, however, is subject to change based on the policyholder’s driving record, type of vehicle, location, number of miles driven and other factors.

Our Auto Insurance Partners in

SelectQuote partners with many Wisconsin auto insurance companies to help find affordable coverage that meets your needs. When you shop with SelectQuote, we compare prices for several different policies from leading insurance companies in your state to find the best rate.