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Wisconsin Home Insurance

When you purchase a home in Wisconsin with the help of a mortgage lender, they usually require you to carry Wisconsin home insurance for the duration of the loan. Wisconsin home insurance provides the much needed property damage coverage for your home, protecting your investment from loss. There are a few popular policies for single family homes. The basic policy, called the HO-2 policy, covers damages caused by fire, smoke, vehicles, aircraft, water overflow from water heaters and air conditioners, theft, vandalism, explosions, and riots. The more broad policy, called the HO-3 policy, offers bodily injury liability protection and additional property damage coverage.

Wisconsin Home Insurance Coverage

In Wisconsin, the weather and perils are relatively tame. Of course homeowners can experience damages from tornados, thunderstorms, falling objects, vehicles and the weight of heavy snow, but overall the state has fewer claims. The geography of Wisconsin causes many homeowners to buy additional flood insurance, as normal home insurance does not cover damage caused by flood waters. Homeowners can review the “exclusions” section of their Wisconsin home insurance to see what is not covered.

Wisconsin Home Insurance Rates

Wisconsin home insurance rates were some of the lowest in the nation according to the 2003 averages. Home insurance cost an average of $434 in 2003, which was an increase of 40.9% from 2001. The rates can increase due to more claims being filed in those years, making the cost to do business for insurance companies far greater.

Saving Money

Many homeowners seek to reduce their annual premium. By installing storm shutters, reinforcing a roof, and using higher grade shingle, many homeowners receive discount from their insurance company. Others who rarely make claims lower their premium by increasing their deductible. Savings can be found in a number of ways. Many prudent shoppers get many quotes before they decide where to buy their Wisconsin home insurance.

Wisconsin Office of Commissioner of Insurance

Office of the Commissioner of Insurance
125 South Webster Street
Madison, Wisconsin 53702
Phone: (608) 266-3585, Madison or (800) 236-8517, statewide

For other Wisconsin Insurance Resources, See:

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