Wisconsin homeowners insurance

Wisconsin is proudly known as "America's Dairyland, " and Progressive is proud to offer home insurance in Wisconsin. If you're a Wisconsin homeowner or are planning to buy a home in Wisconsin which you will occupy, check our coverages, discounts, and cost information for Progressive home insurance in the Badger State.

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Explore Progressive's editorial standards for Answers articles to find out why you can trust the insurance information you find here.

How you're covered

Wisconsin doesn't require homeowners insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Your policy’s coverages are designed to safeguard your property and assets. A typical policy will include the following:

Dwelling coverage protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
Other structures coverage protects detached structures, such as a fence or shed.
Personal property coverage 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.”
Personal liability coverage protects you financially if you're legally responsible for another person's injuries or damage to their property.
Medical payments to others pays for medical expenses due to a covered occurrence.
Loss of use coverage helps 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.

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

Learn more about homeowners insurance coverages.

Common claims in Wisconsin

Wisconsin isn't prone to earthquakes; in fact, the last major earthquake occurred back in 1947. The state does see an average of 23 tornadoes per year that can cause serious damage to homes and property. The good news is your home insurance policy may cover damage to your home's structure and belongings caused by tornadoes and high winds up to your policy's limits, minus your deductible.

Learn more about how home insurance may cover storm damage.

The most common cause of damage in Wisconsin is flooding. Bordered by the Mississippi River on one side and Lake Superior and Lake Michigan on others, flooding causes tremendous damage every year. If you live beside one of these bodies of water, your home might be at risk from rising water levels. A flood insurance policy may protect your property and belongings against flood damage.

Helping you save

Progressive offers several discounts to help you save on homeowners insurance policies. Some of the most common discounts include:

Alarm System
Multi-policy
Quote in Advance
New Purchase

See more about the home insurance discounts we offer.

Pro tip:

Progressive makes shopping for home insurance a breeze. Our Home Quote Explorer^® tool gives you the power to compare rates and coverages from multiple companies.

How much is homeowners insurance in Wisconsin?

Your cost for Wisconsin homeowners insurance varies based on many components, including your location, type of home, and coverage limits. Learn more about factors affecting home insurance pricing.

Do you own a rental or vacation property in Wisconsin?

If you own a rental property in Wisconsin, make sure it's protected with the right type of insurance policy. Learn more about landlord policies and insurance for vacation or vacant homes.

Fast facts about homes in Wisconsin

The Maxwell Mansion along the Lake Geneva coastline was once a private home but is now open as a boutique inn for guests.
At 68.3%, Wisconsin's homeownership rate was slightly above the national average in 2021.
Hobart is the fastest-growing city in the state of Wisconsin, with a population increase as of 2021 of 102.8% since the year 2000.