Our customers save an average of $693 per year when they bundle their home and auto insurance policies.
SelectQuote shops and compares home and auto insurance rates from dozens of our trusted carriers to find you the lowest price.
Home Insurance and Car Insurance in Wisconsin
Home and auto insurance is one of the biggest purchases you can make to help protect your investments in your house, car and other property. At SelectQuote, we help our customers save hundreds of dollars on bundled home and auto coverage. Learn about the insurance coverage available to Wisconsin homeowners and drivers in this comprehensive guide.
Homeowners Insurance in
Did you know the average home insurance customer in Wisconsin pays an average of $83.65+ per month for their coverage?
Homeowners insurance is an absolute necessity in the Badger State. With heavy snowfalls, hot summers and the possibility of wind and hail damage during thunderstorms, there are plenty of potential catastrophes that could befall Wisconsin homeowners. SelectQuote can help you find the right home insurance coverage in Wisconsin by gathering and comparing quotes from several trusted insurance carriers at once.
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:
- 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.
- 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.
- 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.
- 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.
- 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.
- 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:
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
Bundle Your Home and Auto Insurance to Save Money
Bundling your home and auto insurance policies is one of the best ways to save money on coverage. SelectQuote helps you find the best bundled rates by shopping for insurance from several different carriers at once.
Average Home and Auto Insurance Rates in
Below are selected home and auto insurance rates for some of the largest markets in Wisconsin where SelectQuote customers have purchased home and auto coverage.
|City||Avg. Monthly Home Insurance Rate||Avg. Monthly Auto Insurance Rate||Avg. Monthly Rate of Bundled Policies|
Average monthly rates are from effective SelectQuote customer policies between 4/1/2022 and 3/31/2023.
Auto Insurance in
Auto insurance is a necessity in Wisconsin, both from a legal standpoint and one of risk mitigation. If you own a car in the Badger State, you are legally required to carry a certain amount of automobile insurance coverage.
If you have questions about purchasing auto insurance in Wisconsin, SelectQuote can help. Read on to learn more about the state’s legal requirements and other details related to this type of 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:
- 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.
- Property damage liability: This pays for damage you cause to someone else’s property while driving. The minimum limit in Wisconsin is $10,000.
- 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.
Home & Auto Insurance Frequently Asked Questions
Our Wisconsin insurance customers often have additional questions about coverage. Whether you want to insure your boat, commercial vehicle or rented apartment or home, let us answer your home and auto insurance questions.
Do I need trucking insurance in Wisconsin?
Commercial truck insurance is mandatory for Wisconsin truckers. If you’re a “for-hire” carrier, you must file proof of liability insurance with the Wisconsin Department of Transportation before you operate on Wisconsin highways. In addition to standard liability coverage, trucks that carry non-hazardous materials and weigh over 10,001 pounds must carry extensive liability coverage. Motor carriers who procure oversized and overweight vehicle permits are also subject to these regulations.
Do you need renters insurance in Wisconsin?
Renters insurance isn’t legally required in Wisconsin, but landlords or property management companies may require it as a condition for leasing from them. Even if it isn’t required, renters choose to carry renters insurance coverage to protect their personal belongings, cover liability costs and provide temporary living expenses due to covered losses.
Renters insurance in Wisconsin can be very affordable, with low premium averages totalling about $130 per year.5
Do you need car insurance in Wisconsin?
Like most states, car insurance is a legal requirement to operate a vehicle in Wisconsin. Wisconsin requires all drivers to carry $25,000 for bodily injury liability per person, $50,000 total bodily injury liability per accident, and $10,000 for property damage liability per accident.6
Do you need boat insurance in Wisconsin?
Wisconsin doesn’t have a legal requirement for most boats, with the exception of commercial fishing vessels.7 If you have a loan on your boat, your lender might require you to carry insurance. Marinas or storage facilities might also require boat owners to carry coverage as a condition of their use.8
Even though it isn’t legally required, most boat owners choose to buy boat insurance to protect against potential damages or liabilities. If you’re hit by uninsured or underinsured boaters and don’t have coverage of your own, you could face significant out-of-pocket expenses.
SelectQuote Can Shop Home or Auto Insurance to Save You Time and Money
Shopping for home and auto insurance with SelectQuote isn’t just a decision that will save you time. It’s also budget-friendly. Our customers save hundreds of dollars by bundling home and auto coverage. Whether you want to change insurance companies or need an insurance policy for your starter home or first car, let us compare rates from several carriers at once to find you the best rate.
+Average rates calculated are based on effective SelectQuote customer policies in Wisconsin between 4/1/2022 and 3/31/2023. Rates will vary based on level of coverage, location, age, and additional determining factors.