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Find the Best Homeowners Insurance in Milwaukee, WI

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 we researched the best homeowners insurance in Milwaukee to guide your purchase.

Compare Milwaukee Homeowners Insurance

Authorized Partner
Lemonade
Overall satisfaction rating
  • Covers dwellings, loss of use, personal property and liability
  • Discounts for in-home safety features
  • File claims online or in the Lemonade App
  • Available in Milwaukee and select states
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EverQuote
Overall satisfaction rating
  • Quotes from local agents and top insurers
  • Compare the lowest rates
  • Fast and free for homeowners
  • Available in Milwaukee
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Authorized Partner
Allstate
Overall satisfaction rating
  • Covers personal property, liability and dwellings
  • Offers early-signing discounts
  • Claim Rateguard option ensures rates won’t increase
  • Available in Milwaukee and nationwide
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Progressive
Overall satisfaction rating
  • Covers temporary living expenses during repairs
  • HomeQuote Explorer lets you compare rates
  • Earn discounts for home security systems
  • Available in Milwaukee
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State Farm
Overall satisfaction rating
  • Provides insurance for rental properties
  • Roofing discounts available
  • Online home insurance calculator
  • Available in Milwaukee
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GEICO
  • Multipolicy discounts available
  • Additional coverage for property available
  • Free online quotes
  • Available in Milwaukee
Location
2001 W. Beltline Hwy., Ste. 100
Madison, WI 53713
(608) 242-9322
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Schwade Insurance Agency
  • Full-service independent agency
  • In business since 1975
  • National Association of Professional Insurance Agents Member
  • 24/7 online claim filing
Location
8131 W Capitol Dr.
Milwaukee, WI 53222
(414) 462-5000
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West Bend Mutual
  • Serving clients for over 120 years
  • Over 1,000 associates
  • Online payment & claim filing
  • Home & vehicle insured on same policy
Location
1900 S. 18th Ave.
West Bend, WI 53095
262-334-5571
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The Insurance Office
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • theinsuranceofficemke.com
Location
8831 W. Greenfield Ave.
Milwaukee, WI 53214
(414) 302-0101
Bridge Agency
  • 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
  • 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
  • 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
  • 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
Unisource Insurance Associates
  • 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
  • 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

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.

Homeowners Insurance Reviews

Authorized Partner

Lemonade

Lemonade is an insurance provider with an AI-powered quote tool to help you find a policy that covers your needs. Its policies cover some weather damage, smoke and fire incidents, and theft. Lemonade offers a Giveback program through which customers can donate unused claims to a charity of their choice.

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Authorized Partner

Allstate

Allstate provides comprehensive homeowners insurance across three tiers of coverage: Basic, Extended and Premium. These packages cover damages from windstorms, hail, fire, smoke, theft, falling objects or frozen plumbing. Ask a local agent about discounts for bundling and a clear claims history.

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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.

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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.

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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.

GEICO

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.

Schwade Insurance Agency

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.

West Bend Mutual