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Best Homeowners Insurance in Milwaukee, WI

June 27, 2019, 2:32 p.m.

The home is where the heart is, and you’ll want your home and belongings covered when disaster strikes. Preparing to protect your family from financial burdens can be daunting, so our partners at ConsumerAffairs researched the best homeowners insurance in Milwaukee to guide your purchase.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. TMJ4 may receive compensation from our partners. Learn more.

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#1
MOST POPULAR
Progressive

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(414) 944-5200
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#1 MOST POPULAR
Progressive
Progressive
Features
  • Covers temporary living expenses during repairs
  • HomeQuote Explorer lets you compare rates
  • Earn discounts for home security systems
  • Available in Milwaukee
Read More
Location
3442 S 103rd St
Milwaukee, WI 53227
(414) 944-5200
#2
GEICO
GEICO
Features
  • Multipolicy discounts available
  • Additional coverage for property available
  • Free online quotes
  • Available in Milwaukee
Read More
Location
2001 W. Beltline Hwy., Ste. 100
Madison, WI 53713
(608) 242-9322
Unisource Insurance Associates
Unisource Insurance Associates
Features
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • unisourceinsurance.com
Location
10425 W. North Ave.
Wauwatosa, WI 53226
(414) 774-7040
Philleo Agency Insurance
Philleo Agency Insurance
Features
  • M-Th: 8:30am - 4:30pm
  • F: 8am - 4pm
  • Closed Sat and Sun
  • philleo.com
Location
12555 W. Burleigh Rd.
Brookfield, WI 53005
(262) 432-4200
#5
State Farm
State Farm
Features
  • Provides insurance for rental properties
  • Roofing discounts available
  • Online home insurance calculator
  • Available in Milwaukee
Read More
Location
2448 S 102nd St., Ste 275
West Allis, WI 53227
(414) 545-5050
#6
Schwade Insurance Agency
Schwade Insurance Agency
Features
  • Full-service independent agency
  • In business since 1975
  • National Association of Professional Insurance Agents Member
  • 24/7 online claim filing
Read More
Location
8131 W Capitol Dr.
Milwaukee, WI 53222
(414) 462-5000
#7
West Bend Mutual
West Bend Mutual
Features
  • Serving clients for over 120 years
  • Over 1,000 associates
  • Online payment & claim filing
  • Home & vehicle insured on same policy
Read More
Location
1900 S. 18th Ave.
West Bend, WI 53095
262-334-5571
The Insurance Office
The Insurance Office
Features
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • theinsuranceofficemke.com
Location
8831 W. Greenfield Ave.
Milwaukee, WI 53214
(414) 302-0101
Bridge Agency
Bridge Agency
Features
  • M-F: 9am - 5:30pm
  • Closed Sat and Sun
  • bridgeagency.net
Location
5912 S. 27th St.
Milwaukee, WI 53221
(414) 282-2021
Reilly Insurance Agency
Reilly Insurance Agency
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • erieinsurance.com/agencies/ww1210
Location
3075 S. Howell Ave.
Milwaukee, WI 53207
(414) 482-4461
Provident Insurance Group
Provident Insurance Group
Features
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • providentinsurancegroup.com
Location
9323 W. Greenfield Ave., Ste. A
West Allis, WI 53213
(414) 810-3520
Affordable Milwaukee Insurance Group
Affordable Milwaukee Insurance Group
Features
  • M-F: 10:30am - 6pm
  • Sat: By appointment only
  • Closed Sun
  • amigwi.com
Location
4615 W. National Ave.
West Milwaukee, WI 53214
(414) 212-8700

How to choose homeowners insurance in Milwaukee

Milwaukee Skyline

You’re not required to have homeowners insurance in Milwaukee, but many financial institutions require you to obtain a policy if you have a mortgage. Even if you’re not required to carry homeowners insurance, it is a smart investment to cover you in the event of natural disasters or theft.

You should determine the amount of homeowners insurance coverage you need based on the cost of replacing your home and all attached structures. This figure is known as your dwelling coverage, and you can decide how much coverage you want for your home. A higher dwelling coverage limit will increase the amount you pay for your homeowners insurance.

Compared to the national average, homeowners insurance in Milwaukee is very affordable. Home insurance in Milwaukee for $200,000 in dwelling coverage with a $1,000 deductible and $100,000 in liability coverage ranges from $700 to $900 a year. The cost can be even lower in the outer suburbs. The national average is $1,228 a year, making Brew City much more affordable than most of the country.

Average annual home insurance rates in Milwaukee

Popular residential neighborhood name (ZIP code) Dwelling coverage of $200,000 Dwelling coverage of $400,000 Dwelling coverage of $600,000
Bay View (53207) $749 $1,332 $2,012
Wauwatosa (53210) $897 $1,600 $2,427
Riverwest (53212) $896 $1,559 $2,366
Shorewood (53211) $774 $1,376 $2,090
Brown Deer (53209) $796 $1,413 $2,139
New Berlin (53151) $660 $1,153 $1,745
Brookfield (53005) $677 $1,188 $1,801

Note: Based on dwelling coverage above with a constant $1,000 deductible and $100,000 liability.

In addition to covering structural damage to your home, homeowners insurance covers your belongings and provides liability insurance to pay for the medical expenses of anyone injured in your home and protects you from resulting lawsuits. The limit for property coverage is generally 50 to 70 percent of the dwelling coverage, so you’ll want to talk to your insurance provider about increasing your property coverage if you own valuable jewelry, paintings or similar precious items.

Many companies in Milwaukee offer discounts on your homeowners insurance policy, including taking actions to keep your home safe or replacing your roof. You can often get additional discounts by being claims-free for an extended period or bundling your homeowners insurance with other types of insurance from the same company.

While nearly all homeowners insurance policies in Milwaukee cover incidents such as fire, theft or damage caused by the weight of snow or sleet, it’s important to know what isn’t covered so you can arrange for additional policies if needed. Incidents generally not covered by homeowners insurance include:

  • Flood and water damage
  • Damage caused by earthquakes
  • Loss of animals
  • Automobile damage
  • Damage from power failure

Check your coverage and ask your provider questions to be clear about what is and isn’t covered in your policy. If you need protection against something typically excluded from homeowners insurance, ask your provider about purchasing a separate policy that would provide coverage.

Progressive

Progressive

Progressive is a nationwide insurance company that has been in business since 1937. Progressive offers free quotes for homeowners insurance and has various discounts for purchasing a new home, obtaining a quote in advance and paying your policy in full. Milwaukee customers say they appreciate the company’s excellent customer service.

GEICO

GEICO

GEICO provides many different packages for covering your home and offers many discounts on its policies, including savings if you bundle different insurance policies. Many residents in Milwaukee appreciate GEICO’s reasonable rates and would recommend the company, but other people have noted that customer service can sometimes be indifferent.

State Farm

State Farm

State Farm offers many insurance packages, allowing you to bundle your homeowners insurance with other policies. State Farm offers various discounts, including a home alert discount when you install fire alarms and other home monitoring systems. Many Milwaukee residents say the company is reliable, but some have noted incidents of their insurance being canceled after claims are paid.

Schwade Insurance Agency

Schwade Insurance Agency

Schwade Insurance Agency, Inc. has been serving Milwaukee since 1975. This full-service, independent insurance agency practices the best possible customer service and has competitive pricing. Schwade Insurance offers free quotes, and customers in Milwaukee praise the company’s employees for carefully explaining insurance options.

West Bend Mutual

West Bend Mutual

West Bend Mutual is an A+ accredited business by the Better Business Bureau. This insurance company serves Milwaukee residents and offers coverage such as pet aid, jewelry coverage, sump pump overflow and inflation guard. Customers in Milwaukee appreciate the company’s quick response times.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.