Ashland Insurance Rates:

Ashland, WI home insurance is about $527 to $718, about $43-$59/month. Our all inclusive analysis indicates shoppers can save upto $249 by getting multiple quotes

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Ashland Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $280/12 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $125,000

3 Beds, 3 Baths 1520 sqft Rental Property Constructed In 1940 with Carpet over wood flooring, Membrane Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Swimming Pool, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

53 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $180/6 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $120,000

2 Beds, 2 Bath 1470 sqft Vacation Property Constructed In 1956 with Wood Flooring, Membrane Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $160/12 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $80,000

2 Beds, 2 Bath 980 sqft Seasonal Residence Constructed In 1946 with Wood Flooring, Composition Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Copper Water Pipes, Deadbolt Locks, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Single Male who has a Full Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $390/5 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $250,000

4 Beds, 4 Bath 2930 sqft Primary Residence Constructed In 1983 with Wood Flooring, Composition Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Single Female who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $500/12 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $125,000

2 Beds, 2 Bath 1700 sqft Rental Property Constructed In 1985 with Wood Flooring, Slate Shingles Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Indoor Sprinklers, Central Air Conditioning, Fire Extinguisher, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Married Male who is a Freelancer with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $370/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Baths 2710 sqft Vacation Property Constructed In 1949 with Hardwood Flooring, Membrane Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Indoor Sprinklers, Fireplace, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

73 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $180/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $260,000

5 Beds, 5 Baths 3260 sqft Seasonal Residence Constructed In 1980 with Carpet Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

37 Years old Divorced Female who is a Freelancer with household income of $100-$150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $320/8 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $125,000

4 Beds, 4 Baths 1960 sqft Primary Residence Constructed In 1989 with Carpet Flooring, Wood Shake Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

34 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

Ashland Rates & Quotes Analysis:

Ashland Area Estimated House Insurance
Osredkar Rd, Bell St, Harjau Rd, Umbrage Rd, 12th Ave W, Ellis Ave N, Rice St, Woodbury Ln, Baraga St, Harju Rd$615
Schlies Rd, Forest Rd 387, Lens Rd, Philaja Rd, Olby Rd, Redinger Rd, N 29th Ave E, Maple Ln, 10th St W, 7th St$646
Maple Ridge, Gilgen Rd, Levelius Rd, State Hwy 112, Hanninen Rd, Forest Rd 189, Wiester Rd, Evie Ln, Ryefield Rd, Ellis Ave S$647
Poor Farm Rd, Silver Brook Rd, Big Bay Rd, Maple Ridge Rd, Salo Rd, Colonel Woods Rd, 21st Ave E, 10th St W, Ohman, Hagen Rd$612
12th Ave E, Billy Creek Rd, Depot Dr, Binsfield Rd, County Line Rd, 11th Ave W, 10th St E, 2nd Ave W, Big Arn's Rd, Magnolia Ln$615

Insurance rates are influenced by a number of factors including:

  • Year Built: 380 Homes (9% of total homes ) built between 1970 to 1979 in Ashland are paying home insurance between $1,009-$1,019. Places close to Ashland, WI such as Gingles, Washburn, Eileen are more expensive by $49, $12, $30 respectively while Diaperville and Odanah are cheaper by $43 and $63 respectively for similar homes.
  • Bedrooms: 1,004 2 bedrooms homes (26% of total homes ) in Ashland are paying about $486. Areas near to Ashland such as Gingles, Eileen, Barksdale are costlier by $17, $8, $13 respectively whereas Diaperville and Odanah are more economical by $21, $7 respectively for similar homes.
  • Auto Insurance Bundling: 971 Households (43% of all households) in Ashland have 2 vehicles available and when it is bundled with home insurance you can save $124 compared to Gingles ($130), Washburn ($126), Eileen ($128).
  • Senior Discounts: 1,025 seniors (more than 55 years) occupied housing units (46% of total) in Ashland get discounts between $93 to $95. The comparative concessions in proximate regions such as Gingles, Washburn and Eileen are $97, $94 and $96 respectively.
  • New Homes discounts: New homes such as the 760 homes built between 2000 to 2009 in Ashland can save $124 in contrast with Gingles ($130), Washburn ($126), Eileen ($128).

Ashland Homeowners insurance Facts

  • Ashland, WI has 2,207 owner occupied houses which is 63.2% of all units whereas Gingles, Washburn and Eileen have 92.72%, 63.52% and 88.48% respectively.
  • Ashland, WI homeowners yearly insurance price at $623 is 0.58% of the typical house value of $108,000 which is in contrast with 0.36% in Gingles, 0.5% at Washburn & 0.42% in Eileen.
  • Homeowners in Ashland, WI pay 12.46% of their income (Less than $10,000) in insurance whereas homeowners in Gingles, Washburn and Eileen pay 13.06%, 12.6% and 12.82% respectively.
  • Ashland, WI’s insurance is 4.4% of monthly housing costs of $1,173/month, for owners with a mortgage compared to 4.13% in Gingles, 4.74% at Washburn & 3.82% in Eileen. But, for households without a mortgage, insurance is 12.1% of costs ($428 in Ashland, WI) in contrast with 11.38% in Gingles, 10.4% at Washburn & 13.59% in Eileen.

Ashland, WI Home Values & Insurance rates

For example, insurance for 246 Homes (11.0% of total homes ) valued between $125,000 to $149,999 in Ashland, WI is about $791. Rates in nearby areas in such as Gingles, Washburn, Eileen are cheaper by $295, $105, $215 respectively while Diaperville and Sanborn are costlier by $1,008 and $131 respectively for similar homes.

Ashland, WI Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 203 9.0% $143
$50,000 to $59,999 119 5.0% $299
$60,000 to $69,999 139 6.0% $373
$70,000 to $79,999 149 6.0% $429
$80,000 to $89,999 183 8.0% $485
$90,000 to $99,999 195 9.0% $542
$100,000 to $124,999 361 16.0% $629
$125,000 to $149,999 246 11.0% $791
$150,000 to $174,999 208 9.0% $934
$175,000 to $199,999 93 4.0% $1077
$200,000 to $249,999 174 8.0% $1295
$250,000 to $299,999 66 3.0% $1588
$300,000 to $399,999 28 1.0% $2018

Renters Insurance in Ashland

  • Average Renters Insurance in Ashland :  $182($15/month)

  • Median Gross Rent in Ashland :  $565

  • Ashland Renters Insurance to Median Rent Ratio:  2.65%

  • Renter occupied housing units in Ashland :  1,283

Ashland Renters Insurance as a Percentage of Rent

Ashland Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 85 6.0% $345
$200 to $299 102 8.0% $795
$300 to $499 305 24.0% $1245
$500 to $749 529 41.0% $1920
$750 to $999 134 10.0% $2670
$1,000 to $1,499 94 7.0% $3795

Rent Affordability in Ashland:

Approximately 36.0% (472) of households are spending more than 35% of their income on gross rent in Ashland

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 200 15.0%
15.0 to 19.9 percent 143 11.0%
20.0 to 24.9 percent 163 12.0%
25.0 to 29.9 percent 187 14.0%
30.0 to 34.9 percent 118 9.0%
35.0 percent or more 472 36.0%

Ashland Renters Insurance Discounts:

Ashland Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Ashland, WI Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 662 51.0% $18.2
2 vehicles available 241 18.0% $27.3
3 or more vehicles available 42 3.0% $36.4

Ashland Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 181 14.0% $56
60 to 64 years 64 4.0% $45
65 to 74 years 130 10.0% $36
75 years and over 122 9.0% $28

Protective device discount in Ashland Up to :  $27

Claims-free discount in Ashland Up to :  $36