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Best Renters Insurance in Milwaukee, WI

Aug. 26, 2019, 5:03 p.m.

No one wants to worry about the worst case scenario, but it pays to have your belongings covered in an emergency. When choosing a renters insurance policy, look for low cost, ease of management and complete coverage. That’s why our partners at ConsumerAffairs researched the best renters insurance in Milwaukee to protect you from financial loss.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. TMJ 4 may receive compensation from our partners. Learn more.

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#1
RECOMMENDED
Policygenius

Wide choice of A-rated insurers!

#1 MOST POPULAR
Policygenius
Policygenius
Features
  • Best rates all in one place
  • Helped over 4.5 million customers
  • Seamless, secure online payments
  • Available in Milwaukee
Read More
Location
Serves residents in
Milwaukee, WI
(855) 695-2255
#2
EverQuote
EverQuote
Features
  • Insurers for your needs & budget
  • Largest online marketplace
  • Fast, free quote comparison
  • Available in Milwaukee
Read More
Location
Serves residents in
Milwaukee, WI
(855) 522-3444
#3
Santiago Insurance Agency
Santiago Insurance Agency
Features
  • Spanish-speaking representatives
  • After-hours appointments
  • Average price of $140/year
  • Advanced quote discount available
Location
828 W. Historic Mitchell St.
Milwaukee, WI 53204
(414) 727-8284
#4
J. Mercado Agency Inc.
J. Mercado Agency Inc.
Features
  • Weekend appointments available
  • Identity theft protection available
  • Offers smart home discount
  • 24/7 customer phone support
Location
709 W. Layton Ave.
Milwaukee, WI 53221
(855) 632-8436
#5
Robertson Ryan & Associates
Robertson Ryan & Associates
Features
  • Accredited & rated A+ by BBB
  • Earthquake coverage available
  • Inflation guard coverage optional
  • Covers credit card loss
Location
330 E. Kilbourn Ave., Ste. 650
Milwaukee, WI 53202
(414) 271-3575
Allstate Insurance: Andrew J. McCabe
Allstate Insurance: Andrew J. McCabe
Features
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • agents.allstate.com
Location
2442 S. Kinnickinnic Ave.
Milwaukee, WI 53207
(414) 727-1771
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
Young's Insurance
Young's Insurance
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • wi-autoinsurance.com
Location
788 N. Jefferson St.
Milwaukee, WI 53202
(414) 225-4434
DernCo Insurance Superstore
DernCo Insurance Superstore
Features
  • Open 24 hours
  • dernco.com
Location
10335 W. Oklahoma Ave., Ste. 203
Milwaukee, WI 53227
(414) 935-5700
Liberty Mutual Insurance
Liberty Mutual Insurance
Features
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • libertymutual.com
Location
11800 W. Park Pl.
Milwaukee, WI 53224
(414) 359-1051

How to choose rental insurance in Milwaukee

Milwaukee skyline

It is a common myth that your landlord will pay for your losses if something happens to your rental home. While your landlord is responsible for repairing any damage to your home’s structure, their insurance will not cover your belongings.

Who needs renters insurance in Milwaukee?

Here in Milwaukee, over 40 percent of residents are renters, and renters under the age of 30 make up over half the total renters in America. College students and young professionals are especially vulnerable without renters insurance because so many of them rent their homes and don’t have the means to replace their belongings on their own.

Milwaukee also has much higher rates of theft and burglary than the rest of the country. Even though neighborhoods like Shorewood and Wauwatosa have lower crime rates, they’re near areas that are prone to crime.

What does renters insurance in Milwaukee cover?

The good news is a renters insurance policy will protect you from financial fallout after covered events, including fires, smoke damage, thefts, vandalism, explosions, hail and damage from snow or ice. So, if a fire destroyed all of your personal property, renters insurance would help you pay for replacements.

It’s worth mentioning that renters insurance does not typically cover your car or natural disasters, such as earthquakes and flooding, or damage done by pests.

Some additional coverage in your policy might include:

  • Personal liability against others’ accidental injury or property damage; usually a minimum of $25,000
  • Living expenses such as hotel rooms and meals if you’re unable to stay in your home
  • Identity theft if a thief steals your credit card or checkbook

How much does renters insurance in Milwaukee cost?

Another common myth about renters insurance is that it’s expensive. A basic coverage policy only costs around $10-15 a month in Wisconsin. Your ZIP code and the amount of coverage you need typically determine your premium.

You can increase basic coverage limits, and if you have high-value items like art or jewelry, you may need additional coverage or standalone policies to fully cover your property.

Many renters insurance companies will offer discounts for bundling your policies, installing security and fire safety devices or even having electronic billing.

Policygenius

Policygenius

Policygenuis is an online insurance tool that provides different renters insurance policies. This company offers many discounts for the most popular brands and the simplicity of purchasing insurance policies from your computer, phone or tablet. Customers say that Policygenius is quick and easy to use.

EverQuote

EverQuote

EverQuote is the largest insurance marketplace in the United States. The company uses your data to find you the best rate on insurance and connect you with insurance providers. Although some customers have had a positive experience, many reviewers complained about receiving unnecessary phone calls after using EverQuote.

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.