Sheboygan Insurance Rates:

Sheboygan, WI home insurance is about $532 to $720, about $44-$60/month. Our detailed guide shows customers can save upto $250 by getting different quotes

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Sheboygan, Wisconsin Homeowners share details on the cheapest & most trustworthy home insurance companies for you to compare & get great deals.

Sheboygan Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
GEICO Insurance
Home Insurance Rate of $180/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $135,000

3 Beds, 3 Bath 1750 sqft Rental Property Constructed In 1968 with Hardwood Flooring, Metal Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Fireplace, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Married Male who is a Freelancer with household income of $100-$150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $120/9 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $75,000

2 Beds, 2 Bath 940 sqft Primary Residence Constructed In 1985 with Carpet Flooring, Composition Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Indoor Sprinklers, Deadbolt Locks, Fire Extinguisher, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Divorced 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 Smoker

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

  • 500-549 Credit Score

Home Insurance Rate of $1090/12 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $240,000

5 Beds, 5 Baths 2720 sqft Primary Residence Constructed In 1976 with Ceramic Tile Flooring, Composition Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Deadbolt Locks, Copper Water Pipes, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

30 Years old Divorced Female who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $160/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $135,000

3 Beds, 3 Bath 1450 sqft Vacation Property Constructed In 1942 with Carpet over wood flooring, Membrane Roof, Crawl Space Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Swimming Pool, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

40 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $120/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

4 Beds, 4 Baths 1820 sqft Primary Residence Constructed In 1978 with Carpet Flooring, Metal Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Swimming Pool, Central Air Conditioning, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

55 Years old Single Male who is a Freelancer with household income of $75-$100,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $200/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

4 Beds, 4 Baths 2490 sqft Seasonal Residence Constructed In 1963 with Hardwood Flooring, Membrane Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fireplace, Copper Water Pipes, Deadbolt Locks, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Divorced Female who has a Full Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $450/9 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $130,000

3 Beds, 3 Baths 2050 sqft Primary Residence Constructed In 1949 with Hardwood Flooring, Composition Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Fire Extinguisher, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

40 Years old Married Female who has a Full Time Job with household income of $50-$75,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $670/7 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $285,000

4 Beds, 4 Baths 3290 sqft Primary Residence Constructed In 1941 with Hardwood Flooring, Membrane Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Swimming Pool, Deadbolt Locks, Central Air Conditioning, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

24 Years old Divorced Female who has a Full Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $280/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $160,000

5 Beds, 5 Baths 2040 sqft Rental Property Constructed In 1946 with Linoleum, Membrane Roof, Crawl Space Foundation, Vinyl siding, Brick Frame. Home Features Include Deadbolt Locks, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

26 Years old Married Male 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 :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Sheboygan, WI Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
53081 $118,400 $630

Sheboygan Rates & Quotes Analysis:

Sheboygan Area Estimated House Insurance
Spruce Ct, Ridge Rd, N 24th St, Elizabeth St, N 50th St, Prange Rd, Sunset Rd, Hartman Rd, Jefferson Ave, N 68th St$669
N Koning Dr, Cedarwood Dr, Winnebago Pl, Morning View Ct, Mead Ave, Kirkwood Ct, Cloverleaf Ct, Commerce Ln, Cambridge Ave, N 25th St$632
Kadlec Dr, Maplewood Dr, Zientek Ln, Northwood Ct, Bender Ct, Columbus Ave, N 67th St, Glenwood Ct, N Taylor Dr, N Kay Dr$634
Petra Ln, Pine View Dr, Edgewood Rd, Elm Ave, Schaefer Dr, Sauk Trail Rd, Pebble Rd, Hickory St, Broadway Rd, Leys Rd$668
Idlewild Ln, Plath Ct, Ashland Ave, Moenning Rd, Lilac Ln, Greenview Dr, Plainwood Dr, Carmen Ave, N 47th Pl, Hickorywood Dr$670

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,686 Homes (33% of total) built between 1939 or earlier in Sheboygan are paying home insurance between $1,339-$1,348 and varies from Sheboygan County (+$34), Kohler (+$87), Sheboygan Falls (+$22), Manitowoc (-$10) and Collins (-$28).
  • Bedrooms: 9,318 3 bedrooms homes (41% of total homes ) in Sheboygan are paying about $614. Areas near to Sheboygan such as Sheboygan County, Kohler, Sheboygan Falls are costlier by $16, $41, $12 respectively whereas Manitowoc and Collins are more economical by $3, $6 respectively for similar homes.
  • Auto Insurance Bundling: 2,365 Households (18% of all households) in Sheboygan have 3 or more vehicles available and when it is bundled with home insurance you can save $156. Discounts for similar bundling in close by locations such as Sheboygan County, Kohler, Sheboygan Falls come to $160, $167, $159 respectively.
  • Senior Discounts: 6,151 seniors (more than 55 years) occupied housing units (47% of total) in Sheboygan get discounts between $93 to $96. The comparative concessions in proximate regions such as Sheboygan County, Kohler and Sheboygan Falls are $96, $100 and $95 respectively.
  • New Homes discounts: New homes such as the 6,401 homes built between 2000 to 2009 in Sheboygan can save $125 and similar new home insurance discounts in nearby towns and cities like Sheboygan County, Kohler and Sheboygan Falls are $128, $133 and $127 respectively.

Sheboygan Homeowners insurance Facts

  • Sheboygan, WI has 13,038 owner occupied houses which is 63.8% of all units whereas Sheboygan, Kohler and Sheboygan Falls have 63.84%, 89.38% and 71.76% respectively.
  • Sheboygan, WI homeowners yearly insurance price at $626 is 0.54% of the typical house value of $116,600 which is in contrast with 0.54% in Sheboygan, 0.31% at Kohler & 0.44% in Sheboygan Falls.
  • Homeowners in Sheboygan, WI pay 5.01% of their income ($10,000 to $14,999) in insurance whereas homeowners in Sheboygan, Kohler and Sheboygan Falls pay 5.01%, 5.34% and 5.1% respectively.
  • Sheboygan, WI’s insurance is 4.6% of monthly housing costs of $1,144/month, for owners with a mortgage compared to 4.56% in Sheboygan, 3.55% at Kohler & 4.21% in Sheboygan Falls. But, for households without a mortgage, insurance is 11.2% of costs ($465 in Sheboygan, WI) in contrast with 11.22% in Sheboygan, 8.86% at Kohler & 11.53% in Sheboygan Falls.

Sheboygan, WI Home Values & Insurance rates

For example, insurance for 1,553 Homes (12.0% of total homes ) valued between $90,000 to $99,999 in Sheboygan, WI is about $507. Rates in nearby areas in such as Kohler, Sheboygan Falls, Wilson are cheaper by $214, $93, $232 respectively while Manitowoc and Collins are costlier by $28 and $149 respectively for similar homes.

Sheboygan, WI Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 722 5.0% $131
$50,000 to $59,999 141 1.0% $281
$60,000 to $69,999 394 3.0% $344
$70,000 to $79,999 750 5.0% $400
$80,000 to $89,999 959 7.0% $450
$90,000 to $99,999 1,553 12.0% $507
$100,000 to $124,999 3,013 23.0% $588
$125,000 to $149,999 2,120 16.0% $732
$150,000 to $174,999 1,434 11.0% $870
$175,000 to $199,999 677 5.0% $1001
$200,000 to $249,999 709 5.0% $1208
$250,000 to $299,999 221 1.0% $1477
$300,000 to $399,999 190 1.0% $1878

Renters Insurance in Sheboygan

  • Average Renters Insurance in Sheboygan :  $174($14/month)

  • Median Gross Rent in Sheboygan :  $619

  • Sheboygan Renters Insurance to Median Rent Ratio:  2.26%

  • Renter occupied housing units in Sheboygan :  7,385

Sheboygan Renters Insurance as a Percentage of Rent

Sheboygan Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 114 1.0% $343
$200 to $299 462 6.0% $793
$300 to $499 1,227 16.0% $1243
$500 to $749 3,513 48.0% $1918
$750 to $999 1,519 20.0% $2668
$1,000 to $1,499 315 4.0% $3793
$1,500 or more 116 1.0% $5443

Rent Affordability in Sheboygan:

Approximately 38.0% (2,825) of households are spending more than 35% of their income on gross rent in Sheboygan

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 932 12.0%
15.0 to 19.9 percent 1,261 17.0%
20.0 to 24.9 percent 881 11.0%
25.0 to 29.9 percent 941 12.0%
30.0 to 34.9 percent 545 7.0%
35.0 percent or more 2,825 38.0%

Sheboygan Renters Insurance Discounts:

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

Number of Vehicles in Sheboygan, WI Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 3,671 49.0% $17.4
2 vehicles available 1,693 22.0% $26.1
3 or more vehicles available 424 5.0% $34.8

Protective device discount in Sheboygan Up to :  $26

Claims-free discount in Sheboygan Up to :  $34