Enter your ZIP code:

Wisconsin Home Insurance

A home is a major financial commitment-and one not to be taken lightly. Protect your investment with Wisconsin home insurance.

InsureMe works with hundreds of companies statewide that can help you find the right Wisconsin homeowner's insurance policy. Contact us today for your free quotes!


The Low-Down on Wisconsin Home Insurance

Buying a home involves more than the purchase. It means budgeting for insurance premiums, utility payments, maintenance and upkeep, loan payments and property taxes. All these commitments can tear a hole in your pocket, so it's important to find the most extensive Wisconsin home insurance coverage possible at the best price.

According to the Wisconsin Office of the Commissioner of Insurance, more than 200 Wisconsin home insurance companies sell policies within the state. Sorting through them all to find the one with exactly the coverage you need can be difficult. But it is essential in order to protect your home and its contents.

Your home is most likely the largest investment you will ever make. Read on to find out what you can do to make sure it remains safe.

The Coverage You Need

Four types of coverage are typically contained within one Wisconsin home insurance policy. These include property damage, personal liability, medical payments and additional living expenses.

Outlined here are the details of each type and what they cover:

  1. Property damage: helps pay for damage to your home and personal property.
  2. Personal liability: pays for legal fees and damages from non-auto-related accidents you or someone in your family cause.
  3. Medical payments: pays medical expenses for anyone outside your own family accidentally injured in your home.
  4. Additional living expenses: covers expenses you incur when your home is damaged and must be repaired, and you must move into a motel or apartment temporarily.

Before you purchase your Wisconsin homeowner's insurance, MAKE SURE you have sufficient coverage of each type. This will help you avert financial disaster before it occurs.

Your Policy Options

Most Wisconsin homeowner's insurance companies offer the following types of policies:

  • Broad Form (HO-2)-offers you coverage against specifically listed perils.
  • Special Form (HO-3)-offers property and liability coverage for your home and other structures on your property. Protects against all risks specifically listed (e.g., fire, windstorm, hail, lightening and falling objects). Covers more risks than an HO-2 policy.
  • Tenants Form (HO-4)-provides coverage for a renter's personal property and liability against the property of others…also pays for additional living expenses.
  • Comprehensive Form (HO-5)-covers your home and your personal property for everything not specifically excluded. Provides the broadest coverage, but is more expensive and not often offered.
  • Condominium Form (HO-6)-covers a condominium owner's personal property, personal liability, and any items not insured by the association's policy.
  • Modified Coverage Form (HO-8)-provides coverage for older homes whose replacement cost far exceeds market value.

State insurers also offer Wisconsin home insurance to those living in mobile homes or on farms or ranches. A knowledgeable Wisconsin home insurance provider can answer your questions about any of these policies, and help you determine what type of coverage you need in your particular situation.

Replacement Cost vs. Actual Cash Value

Before you make your final decision on which type of Wisconsin home insurance policy to buy, it is essential to understand the difference between "replacement cost" and "actual cash value."

Replacement cost is the amount of money it would take to rebuild your home or repair any damages with materials of a similar kind. However, it does not figure depreciation into the equation when accounting for total cost. In order to qualify for full replacement cost coverage, your home must usually be insured at 80 to 90 percent of its replacement cost.

Actual cash value (ACV) is the value of your home and property when damaged or destroyed. ACV takes the replacement cost and deducts from it your home's depreciation. The final sum is considered the ACV.

Most Wisconsin homeowner's insurance policies contain replacement cost coverage on the home and ACV on personal property. However, if you wish to change these standards on your own Wisconsin home insurance, a licensed state home insurer can help you do so.

Reducing the Cost of Your Home Insurance

Several discounts are available to help you keep your Wisconsin home insurance premiums within financial reach. Ask your insurer about the following money-saving discount options:

Multiple-policy

If you purchase your home insurance from the same insurer you buy your car or health insurance from, you are likely to be eligible for a discount. Many Wisconsin home insurance companies offer this incentive in order to sell you multiple policies.

Protection devices

Many insurers offer discounts of two to five percent for homes containing smoke detectors, burglar alarms and/or sprinkler systems. However, these systems can be expensive! Before installing them in your home, find out what they cost installed vs. the premium amount you will save.

Non-smoker

Some Wisconsin home insurance companies will reduce your premiums if you don't smoke. However, if any other family member living with you smokes, you will not qualify for this discount.

Fire-resistant building materials

Homes made of fire-resistant materials are less likely to become damaged in the event of a disaster. Therefore, a few Wisconsin home insurance companies give discounts for this type of construction.

Long Term policy holders

If you maintain coverage in good standing with some Wisconsin homeowner's insurance providers, you may qualify for special consideration and an additional discount. In fact, long-term policyholders may actually receive a five to 10 percent discount, depending on the length of time they remain with the company.

Get the Protection You Need

Now that you have the information you need to make an informed decision on your Wisconsin homeowner's insurance, why not put your home investment in the capable hands of us? We'll get you up to five quotes from insurers in your area willing to compete for your business.

Protect your home and further your investment today! We'll be waiting to hear from you.


Free Car Insurance Quotes!  
Free Home Insurance Quotes!   
Free Health Insurance Quotes!  
Free Life Insurance Quotes!  
List of Articles
No. Subject Author Views
55 Wyoming Home Insurance youcomparequotes 6538
» Wisconsin Home Insurance youcomparequotes 6823
53 West Virginia Homeowners Insurance youcomparequotes 6411
52 Washington, D.C. Home Insurance youcomparequotes 8046
51 Washington Home Insurance youcomparequotes 6143
50 Virginia Home Insurance youcomparequotes 6355
49 Vermont Homeowners Insurance youcomparequotes 6774
48 Utah Homeowners Insurance youcomparequotes 6109
47 Texas Home Insurance: Not Fun, Not Hip But Oh-So Important youcomparequotes 7092
46 Texas Home Insurance Quotes youcomparequotes 6606
45 Tennessee Homeowners Insurance youcomparequotes 8200
44 South Dakota Homeowners Insurance youcomparequotes 6860
43 South Carolina Homeowners Insurance youcomparequotes 6155
42 Rhode Island Homeowners Insurance youcomparequotes 6362
41 Pennsylvania Home Insurance Quotes youcomparequotes 6572
40 Oregon Home Insurance Quotes youcomparequotes 12691
39 Oklahoma Homeowners Insurance youcomparequotes 6578
38 Ohio Home Insurance Quotes youcomparequotes 6881
37 North Dakota Homeowners Insurance youcomparequotes 6300
36 North Dakota Home Insurance youcomparequotes 6186
35 North Carolina Homeowners Insurance youcomparequotes 10762
34 New York Home Insurance Quotes youcomparequotes 6857
33 New Mexico Homeowners Insurance youcomparequotes 6680
32 New Jersey Home Insurance youcomparequotes 6249
31 New Hampshire Home Insurance youcomparequotes 6321
30 Nevada Home Insurance youcomparequotes 6455
29 Nebraska Home Insurance youcomparequotes 6298
28 Montana Home Insurance youcomparequotes 6666
27 Missouri Home Insurance Quotes youcomparequotes 6342
26 Mississippi Home Insurance youcomparequotes 6420
25 Minnesota Home Insurance Quotes youcomparequotes 6582
24 Michigan Home Insurance Quotes youcomparequotes 6715
23 Maryland Home Insurance youcomparequotes 6582
22 Maine Homeowners Insurance youcomparequotes 6393
21 Louisiana Homeowners Insurance youcomparequotes 6743
20 Kentucky Homeowners Insurance youcomparequotes 6189
19 Kentucky Home Insurance youcomparequotes 6550
18 Kansas Homeowners Insurance youcomparequotes 6773
17 Iowa Homeowners Insurance youcomparequotes 6225
16 Indiana Homeowners Insurance youcomparequotes 6584
15 Illinois Home Insurance Quotes youcomparequotes 7254
14 Idaho Home Insurance youcomparequotes 6403
13 Hawaii Home Insurance youcomparequotes 6416
12 Georgia Home Insurance youcomparequotes 6557
11 Florida’s Home Insurance Headache youcomparequotes 7770
10 Florida Home Insurance Quotes youcomparequotes 6509
9 Delaware Home Insurance youcomparequotes 6076
8 Connecticut Homeowners Insurance youcomparequotes 6374
7 Colorado Home Insurance Information: Protecting Your Personal Rocky Mountain Paradise youcomparequotes 10938
6 Colorado Home Insurance Information youcomparequotes 7019
5 California Home Insurance youcomparequotes 6584
4 Arkansas Home Insurance youcomparequotes 6599
3 Arizona Home Insurance Quotes youcomparequotes 7624
2 Alaska Homeowners Insurance youcomparequotes 6300
1 Alabama Homeowners Insurance youcomparequotes 6239
XE Login