Wisconsin homeowners insurance

How you're covered

A typical policy in Wisconsin may include the following homeowners insurance coverages:

• Dwelling coverage (Coverage A) protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
• Other structures coverage (Coverage B) protects detached structures, such as a fence, shed, or detached garage.
• Personal property coverage (Coverage C) protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit, so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider."
• Loss of use coverage (Coverage D) may help cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
• Personal liability coverage (Coverage E) protects you financially if you're legally responsible for another person's injuries or damage to their property.
• Medical payments to others (Coverage F) may pay for medical expenses due to a covered occurrence.

Keep in mind, coverage under your policy is subject to exclusions and conditions within your policy. It's important to read your policy to understand the coverage provided.

More ways to stay covered in Wisconsin

In some cases, you can buy extra protection by adding coverage to your homeowners policy or purchasing a separate policy. If available, Wisconsinites may want to consider:

• Flood: Flooding is not typically covered under a homeowners policy. If you're concerned about flooding in your area, a private flood insurance policy or NFIP, where available, may help protect your property and belongings against flood damage.
• Umbrella: An umbrella policy may help protect your assets if you exceed the personal liability coverage on your homeowners policy.
• Sump pump: Sewage back-up or sump pump overflows aren't typically one of the standard coverages automatically included with homeowners insurance. Adding water back-up coverage as an optional coverage, if available, may help in the event of sewage back-up or sump pump overflow due to heavy storms.

How much does homeowners insurance cost in Wisconsin?

Progressive homeowners policies in Wisconsin had an average monthly price of $96.87 or $1,162.39 for an annual policy in 2023.^* Understand that your cost for homeowners insurance in Wisconsin varies based on many factors, including your location, type of home, and claims history.

Helping you save on homeowners insurance in Wisconsin

Progressive offers several home insurance discounts to help you save on Wisconsin homeowners insurance. Bundling homeowners and auto policies, paying in full, and installing home security systems are just some of the discounts that may help reduce your rate.

There may also be discounts that are only available in your state or county. Call 1-866-749-7436, or speak to a local agent to help ensure you're getting all applicable discounts.

Is homeowners insurance required by law in Wisconsin?

Homeowners insurance in Wisconsin isn't required by law, but your mortgage lender might require you to have it. Even if your home is paid for, homeowners insurance can help protect what's likely your most valuable asset.