Wausau Insurance Rates:

Wausau, WI home insurance is nearly $532 to $720, about $44-$60/month. Our exhaustive analysis shows customers can save as much as $250 by getting multiple quotes

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Wausau Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $480/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

5 Beds, 5 Baths 2930 sqft Vacation Property Constructed In 2014 with Carpet Flooring, Tile Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Swimming Pool, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

35 Years old Single 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

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $220/7 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $100,000

2 Beds, 2 Bath 1460 sqft Seasonal Residence Constructed In 2013 with Linoleum, Asphalt Shingles Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

61 Years old Divorced Male who is Retired with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $170/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

4 Beds, 4 Baths 1990 sqft Seasonal Residence Constructed In 1956 with Carpet over wood flooring, Metal Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Fireplace, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Divorced Female who is a Freelancer with household income of $75-$100,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $400/12 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $120,000

3 Beds, 3 Baths 1810 sqft Primary Residence Constructed In 1989 with Wood Flooring, Membrane Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Central Air Conditioning, Fireplace, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

27 Years old Divorced Male who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $560/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $240,000

5 Beds, 5 Baths 3250 sqft Seasonal Residence Constructed In 1951 with Ceramic Tile Flooring, Tile Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Deadbolt Locks, Swimming Pool, Fire Extinguisher, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

62 Years old Divorced Male who is Retired with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $430/7 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $175,000

3 Beds, 3 Baths 2190 sqft Vacation Property Constructed In 1969 with Linoleum, Composition Roof, Piers Foundation, Stone Siding, Brick Frame. Home Features Include Indoor Sprinklers, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

23 Years old Divorced Male who is Unemployed and has More than 3 Pets at home and is a Smoker

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

  • 750-799 Credit Score

Home Insurance Rate of $400/10 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $160,000

4 Beds, 4 Bath 1760 sqft Vacation Property Constructed In 1952 with Ceramic Tile Flooring, Asphalt Shingles Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Copper Water Pipes, Deadbolt Locks, Fire Extinguisher, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

71 Years old Married Female who is a Freelancer 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

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $30/1 month for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $95,000

2 Beds, 2 Bath 1330 sqft Rental Property Constructed In 1972 with Linoleum, Wood Shake Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Swimming Pool, Copper Water Pipes, Central Air Conditioning, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

71 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $140/4 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $185,000

5 Beds, 5 Baths 2320 sqft Primary Residence Constructed In 2011 with Carpet over wood flooring, Slate Shingles Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

62 Years old Divorced Female who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $480/9 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $120,000

3 Beds, 3 Baths 1660 sqft Primary Residence Constructed In 1984 with Carpet over wood flooring, Slate Shingles Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Deadbolt Locks, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $460/8 months for $125,000-$150,000 Coverage
Policy Holder Home Details :

Home Value : $155,000

4 Beds, 4 Baths 2259 sqft Rental Property Constructed In 1950 with Linoleum, Slate Shingles Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Swimming Pool, Smoke Alarm, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

Wausau, WI Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
54403 $136,100 $640
54401 $130,600 $640

Wausau Rates & Quotes Analysis:

Wausau Area Estimated House Insurance
Center St, Fulton St, Glenwood Rd, E Prehn Dr, Midway Blvd, S 12th Avenue Ct, Julian Dr, Marquardt Rd, N 44th Ave, Little Cain Rd$647
Golf Club Rd, Church St, S 10th St, Cherokee St, S 13th St, Elk Dr, N 13th Ave, Sandy Dr, Henrietta St, Wausau Center$623
Hidden Links Dr, Turner St, Rock Rapids Dr, N 2nd St, Flagstone Ln, S 11th Ave, Lisbeth Rd, Plum Dr, N 7th Ave, Patriot Dr$647
International Dr, Dawn St, Carl St, Meadow Creek Ln, Acorn Ln, Genrich St, 12th Ave, Norway Dr, W Wausau Ave, Helmke St$647
W Belmont Rd, Emter St, Christian Ave, W Rosecrans St, N 39th Ave, N 56th Ave, Dekalb St, Short Rd, Tall Oaks Dr, Malak Cir$646
Timberline Dr, 9th Ave S, Sorrel Ln, Hampton Ave, River Hills Cir, Kreutzer Blvd, E Bridge St, Briarwood Ave, S 11th Ave, Bel Aire Dr$646
Lester St, N 88th St, S 2nd St, E Clayton St, Brooks Pl, Old Hwy 51, Michael St, E Cassidy Dr, N Lane Dr, Rolling Meadows$656
Norman Ave, Riverfront Pl, N 33rd St, E Crabtree Dr, Monte Carlo Dr, S 102nd St, Sandy Creek Rd, James Lee St, Marten St, N 26th Ave$650
Crestview Dr, Salzman Ave, Bent Stick Dr, Commerce Dr, N 81st St, Calico Ln, Westhill Dr, Hillcrest Dr, S 12th St, Kmiecik St E$646
N 85th St, Honey Bee Ln, Portage St, Copper Ln, N 77th Ave, Wild Rose Ln, Jacquelyn Rd, River Pointe Ln, Manson St, Wyatt St$651

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,868 Homes (10% of total) built between 1960 to 1969 in Wausau are paying home insurance between $1,096-$1,105 and varies from Brokaw (+$55), Rib Mountain (+$39), Rothschild (+$13), Schofield (-$15) and Merrill (-$22).
  • Bedrooms: 2,514 4 bedrooms homes (13% of total homes ) in Wausau are paying about $863 compared to Brokaw (+$38), Rib Mountain (+$24), Rothschild (+$5), Schofield (-$17) and Merrill (-$16).
  • Auto Insurance Bundling: 1,855 Households (19% of all households) in Wausau have 3 or more vehicles available and when it is bundled with home insurance you can save $156 and varies from Schofield ($154), Brokaw ($164), Rib Mountain ($162).
  • Senior Discounts: 4,819 seniors (more than 55 years) occupied housing units (49% of total) in Wausau get discounts between $93 to $96 and varies from Schofield ($92), Brokaw ($98), Rib Mountain ($97).
  • New Homes discounts: New homes such as the 6,302 homes built between 2000 to 2009 in Wausau can save $125 in contrast with Schofield ($123), Brokaw ($131), Rib Mountain ($129).

Wausau Homeowners insurance Facts

  • Wausau, WI has 9,740 owner occupied houses which is 59.4% of all units whereas Schofield, Brokaw and Rib Mountain have 59.38%, 24.24% and 85.81% respectively.
  • Wausau, WI homeowners yearly insurance price at $626 is 0.54% of the typical house value of $115,600 which is in contrast with 0.63% in Schofield, 0.34% at Brokaw & 0.39% in Rib Mountain.
  • Homeowners in Wausau, WI pay 1.93% of their income ($30,000 to $34,999) in insurance whereas homeowners in Schofield, Brokaw and Rib Mountain pay 1.9%, 2.02% and 1.99% respectively.
  • Wausau, WI’s insurance is 4.4% of monthly housing costs of $1,178/month, for owners with a mortgage compared to 5.01% in Schofield, 4.87% at Brokaw & 3.94% in Rib Mountain. But, for households without a mortgage, insurance is 11.1% of costs ($472 in Wausau, WI) in contrast with 12.29% in Schofield, 9.14% at Brokaw & 10.51% in Rib Mountain.

Wausau, WI Home Values & Insurance rates

For example, insurance for 835 Homes (8.0% of total homes ) valued between $150,000 to $174,999 in Wausau, WI is about $876. Rates in nearby areas in such as Brokaw, Rib Mountain, Rothschild are cheaper by $324, $248, $116 respectively while Schofield and Merrill are costlier by $137 and $259 respectively for similar homes.

Wausau, WI Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 379 3.0% $131
$50,000 to $59,999 154 1.0% $281
$60,000 to $69,999 392 4.0% $350
$70,000 to $79,999 836 8.0% $400
$80,000 to $89,999 917 9.0% $456
$90,000 to $99,999 951 9.0% $513
$100,000 to $124,999 1,987 20.0% $594
$125,000 to $149,999 1,282 13.0% $738
$150,000 to $174,999 835 8.0% $876
$175,000 to $199,999 647 6.0% $1014
$200,000 to $249,999 618 6.0% $1220
$250,000 to $299,999 343 3.0% $1489
$300,000 to $399,999 223 2.0% $1890

Renters Insurance in Wausau

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

  • Median Gross Rent in Wausau :  $640

  • Wausau Renters Insurance to Median Rent Ratio:  2.19%

  • Renter occupied housing units in Wausau :  6,665

Wausau Renters Insurance as a Percentage of Rent

Wausau Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 117 1.0% $343
$200 to $299 197 3.0% $793
$300 to $499 1,162 18.0% $1243
$500 to $749 2,728 42.0% $1918
$750 to $999 1,663 25.0% $2668
$1,000 to $1,499 486 7.0% $3793
$1,500 or more 90 1.0% $5443

Rent Affordability in Wausau:

Approximately 42.0% (2,820) of households are spending more than 35% of their income on gross rent in Wausau

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 798 11.0%
15.0 to 19.9 percent 899 13.0%
20.0 to 24.9 percent 623 9.0%
25.0 to 29.9 percent 978 14.0%
30.0 to 34.9 percent 547 8.0%
35.0 percent or more 2,820 42.0%

Wausau Renters Insurance Discounts:

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

Number of Vehicles in Wausau, WI Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 3,118 46.0% $17.4
2 vehicles available 1,784 26.0% $26.1
3 or more vehicles available 435 6.0% $34.8

Protective device discount in Wausau Up to :  $26

Claims-free discount in Wausau Up to :  $34