Chippewa Falls Insurance Rates:

Chippewa Falls, WI home insurance is roughly $532 to $723, about $44-$60/month. Our in depth research reveals consumers can save as much as $250 by getting different quotes

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Chippewa Falls Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $320/10 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $100,000

2 Beds, 2 Bath 1170 sqft Primary Residence Constructed In 1989 with Carpet over wood flooring, Tile Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Swimming Pool, Fireplace, Deadbolt Locks, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

33 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 :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $610/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Bath 2220 sqft Rental Property Constructed In 1948 with Ceramic Tile Flooring, Composition Roof, Piers Foundation, Wood siding, Brick Frame. Home Features Include Fire Extinguisher, Smoke Alarm, Indoor Sprinklers, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Divorced Male who is a Freelancer with household income of $75-$100,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $150/2 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $330,000

5 Beds, 5 Bath 4550 sqft Seasonal Residence Constructed In 1944 with Ceramic Tile Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Swimming Pool, Central Air Conditioning, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

70 Years old Married Female who is a Freelancer with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $70/2 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $135,000

4 Beds, 4 Baths 1670 sqft Primary Residence Constructed In 1963 with Ceramic Tile Flooring, Wood Shake Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

46 Years old Married Male who has a Full Time Job with household income of $75-$100,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $1800/12 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $385,000

5 Beds, 5 Baths 4230 sqft Primary Residence Constructed In 1966 with Stone Flooring, Slate Shingles Roof, Crawl Space Foundation, Vinyl siding, Brick Frame. Home Features Include Indoor Sprinklers, Smoke Alarm, Central Air Conditioning, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

26 Years old Divorced Female who is a Freelancer with household income of more than $150,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $210/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $175,000

4 Beds, 4 Bath 2170 sqft Seasonal Residence Constructed In 1986 with Stone Flooring, Metal Roof, Chainwall Foundation, Stone Siding, Wood Frame. Home Features Include Central Air Conditioning, Swimming Pool, Copper Water Pipes, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

23 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

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

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $390/7 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $160,000

2 Beds, 2 Bath 1780 sqft Rental Property Constructed In 2006 with Stone Flooring, Membrane Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Central Air Conditioning, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $490/9 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $365,000

5 Beds, 5 Baths 4950 sqft Seasonal Residence Constructed In 1945 with Wood Flooring, Membrane Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Fireplace, Smoke Alarm, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Single Female who has a Full Time Job with household income of more than $150,000 and has 2 Pets and is a Non-Smoker

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

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $480/6 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $415,000

5 Beds, 5 Baths 4420 sqft Primary Residence Constructed In 1945 with Carpet Flooring, Asphalt Shingles Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Swimming Pool, Fire Extinguisher, Fireplace, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

37 Years old Married Male who is a Freelancer with household income of less than $25,000 and has 1 Pet and is a Smoker

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

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $450/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $235,000

5 Beds, 5 Bath 2780 sqft Rental Property Constructed In 1962 with Wood Flooring, Membrane Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Deadbolt Locks, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Divorced Male who is a Freelancer with household income of more than $150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

Chippewa Falls, WI Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
54729 $159,000 $650

Chippewa Falls Rates & Quotes Analysis:

Chippewa Falls Area Estimated House Insurance
Glen Loch Rd136th St, 46th Ave, Suvada Rd, Heppner Dr, 104th St, W Spruce St, 26th Ave, Veronica St, Stilson Rd, 91st Ave$659
E Greenville St, 195th St, Luke Pl, 66th Ave, Glen St, 82nd Ave, Hagen Rd, 191 St St, 85th Ave, Oak Hollow Dr$658
57th Ave, N Hanson St, 147th Ave, 96th Ave, 187th St, Manor Dr, 70th Ave, 36th St, E Vine St, Pearl St$658
Bridgewater Ave, 103rd St, 54th Ave, S Hanson St, 69th Ave, Judith St, Willow Creek Pkwy, 24th Ave, N State St, E Melby St$652
Alexander St, Vance Rd, Fox Run Ct, 164th St, E Garden St, Bluffview Cir W, 176th St, 76th Ave, Commerce Pkwy, Williams St$665

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,118 Homes (32% of total) built between 1939 or earlier in Chippewa Falls are paying home insurance between $1,340-$1,350 and differs from Lake Hallie (+$45), Hallie (+$82), Lake Wissota (+$65), Boyd (-$31) and Cornell (-$19).
  • Bedrooms: 887 1 bedroom homes (13% of total homes ) in Chippewa Falls are paying about $464 and varies from Lake Hallie (+$15), Hallie (+$29), Lake Wissota (+$23), Boyd (-$10) and Cornell (-$6).
  • Auto Insurance Bundling: 669 Households (19% of all households) in Chippewa Falls have 3 or more vehicles available and when it is bundled with home insurance you can save $156 in contrast with Lake Hallie ($161), Hallie ($166), Lake Wissota ($164).
  • Senior Discounts: 1,521 seniors (more than 55 years) occupied housing units (44% of total) in Chippewa Falls get discounts between $93 to $96 in contrast with Lake Hallie ($97), Hallie ($99), Lake Wissota ($98).
  • New Homes discounts: New homes such as the 2,234 homes built between 2000 to 2009 in Chippewa Falls can save $125 and similar new home insurance discounts in nearby towns and cities like Lake Hallie, Hallie and Lake Wissota are $129, $133 and $131 respectively.

Chippewa Falls Homeowners insurance Facts

  • Chippewa Falls, WI has 3,383 owner occupied houses which is 56.5% of all units whereas Lake Hallie, Hallie and Lake Wissota have 62.27%, 59.04% and 79.75% respectively.
  • Chippewa Falls, WI homeowners yearly insurance price at $627 is 0.52% of the typical house value of $119,800 which is in contrast with 0.39% in Lake Hallie, 0.32% at Hallie & 0.35% in Lake Wissota.
  • Homeowners in Chippewa Falls, WI pay 0.93% of their income ($60,000 to $74,999) in insurance whereas homeowners in Lake Hallie, Hallie and Lake Wissota pay 0.96%, 0.99% and 0.97% respectively.
  • Chippewa Falls, WI’s insurance is 4.4% of monthly housing costs of $1,199/month, for owners with a mortgage compared to 4.05% in Lake Hallie, 3.62% at Hallie & 3.92% in Lake Wissota. But, for households without a mortgage, insurance is 11.5% of costs ($453 in Chippewa Falls, WI) in contrast with 11.72% in Lake Hallie, 10.56% at Hallie & 13.69% in Lake Wissota.

Chippewa Falls, WI Home Values & Insurance rates

For example, insurance for 124 Homes (3.0% of total homes ) valued between $70,000 to $79,999 in Chippewa Falls, WI is about $388. Rates in nearby areas in such as Lake Hallie, Lafayette, Tilden are cheaper by $97, $144, $114 respectively while Cadott and Boyd are costlier by $7 and $139 respectively for similar homes.

Chippewa Falls, WI Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 169 5.0% $125
$50,000 to $59,999 35 1.0% $269
$60,000 to $69,999 96 2.0% $338
$70,000 to $79,999 124 3.0% $388
$80,000 to $89,999 280 8.0% $438
$90,000 to $99,999 423 12.0% $495
$100,000 to $124,999 713 21.0% $570
$125,000 to $149,999 498 14.0% $714
$150,000 to $174,999 417 12.0% $846
$175,000 to $199,999 246 7.0% $978
$200,000 to $249,999 182 5.0% $1178
$250,000 to $299,999 142 4.0% $1435

Renters Insurance in Chippewa Falls

  • Average Renters Insurance in Chippewa Falls :  $172($14/month)

  • Median Gross Rent in Chippewa Falls :  $612

  • Chippewa Falls Renters Insurance to Median Rent Ratio:  2.29%

  • Renter occupied housing units in Chippewa Falls :  2,608

Chippewa Falls Renters Insurance as a Percentage of Rent

Chippewa Falls Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 36 1.0% $343
$200 to $299 145 5.0% $793
$300 to $499 476 18.0% $1243
$500 to $749 1,273 49.0% $1918
$750 to $999 405 15.0% $2668
$1,000 to $1,499 188 7.0% $3793
$1,500 or more 42 1.0% $5443

Rent Affordability in Chippewa Falls:

Approximately 46.0% (1,210) of households are spending more than 35% of their income on gross rent in Chippewa Falls

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 341 13.0%
15.0 to 19.9 percent 283 10.0%
20.0 to 24.9 percent 235 9.0%
25.0 to 29.9 percent 284 10.0%
30.0 to 34.9 percent 255 9.0%
35.0 percent or more 1,210 46.0%

Chippewa Falls Renters Insurance Discounts:

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

Number of Vehicles in Chippewa Falls, WI Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 1,499 57.0% $17.2
2 vehicles available 439 16.0% $25.8
3 or more vehicles available 147 5.0% $34.4

Protective device discount in Chippewa Falls Up to :  $25

Claims-free discount in Chippewa Falls Up to :  $34