Madison Insurance Rates:

Madison, WI homeowners insurance is roughly $568 to $770, about $47-$64/month. Our extensive guide reveals consumers can save as much as $267 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farm Bureau
I would highly recommend Farm Bureau. They are so easy to work with. They will help you get just what you need and at a cost you can afford.
Liberty Mutual
I had a great experience with customer service with Liberty Mutual on my most recent claim where a tree limb fell and did damage to my chimney.
I would definitely recommend Nationwide to anyone that asked me or in any reviews. They have treated me good so far, so I've not been shopping around for any other coverage.
My home insurance policy is like any other one: they are just here to make you pay and then when they have to pay out , it's a nightmare
State Farm
I have state farm for my apartment rental insurance. i like that they do automatic payments for my premium each month. it is convenient and the $20 is a good value.
Farm Bureau
I do not like how some of the receptionists are not very professional. they required some more training to handle customers
American Family
I love the office staff and how knowledgeable that everyone in the office. they all have a property and auto license and they all know how to solve issues rather than transferring you over to someone else.
Farm Bureau
The people are nice, but again you must go in person to even see about your policy coverage etc. It is very annoying.
I do not like that billing since done directly through escrow with the mortgage company. The process is done "backstage" and we rarely see any paperwork, summaries, and/or policy notifications on our policy.
Farmer's Insurance
It is easy for me to talk to a person when I need and I have not had any issues with this company, overall it has been a fine experience over the years.
Farm Bureau
Overall I'm happy with my coverage/the product offered. I'm happy with the price I pay and my options for deductibles. I'm also overall happy with the service that I have received from various members of the company.
Safeco Insurance
I don't have any true complaints about the company. I have no bad news to report on my company.
I shopped around for insurance and this wound up giving me the most coverage with the cheapest premium so I think that is the best for me.
Farm Bureau
I like the fact that it has an alternative chat area to contact the company after hours.
American Family
It is truly an understatement to say that I love my current insurance company as I like their simple and easy to use the mobile app, their mostly bill, their customer service, and the overall great quality of service they give me.
Statefarm refuse to replace my roof. My neighbors had their roofs replaced after a storm by their insurance companies. I don't Allstate for home insurance.
Farm Bureau
One thing that bothers me is that when I leave NC for work they are harder to reach. Others have not heard of them as well, and bigger insurance companies often call me to try to sway me to get insurance from them.
Liberty Mutual
I like that the company is friendly, not too much in your face with advertisements but gives you access when you need them. They are available and affordable for me and my family.
Farmer's Insurance
Can't really say that I dislike anything but High Payment.
Any time they need to be contacted, I do not have to wait very long and all of my issues have been resolved in the first contact. Their website and app are intuitive and easy to use.
I don't really have anything nice to say. I've been a customer for a very long time. I've had one claim, which was not settled to my satisfaction.
West Bend Mutual Insurance
Premium and deductible were even lower than Geico which is why we switched. Get a bundle discount because of home and auto.Also get a discount.
Wisconsin Mutual Insurance
Overall, I really like the open communication, honesty, and attention to detail. The company really tries hard to make sure that customers feel empowered and cared for. Overall, that is the biggest draw for me.
The company covers by home, car, and rental insurance needs without any problems.
Farm Bureau
I like that the insurance office is small and I can always get a person on the phone to answer a question. Everyone is knowledgeable and friendly. Phone calls and e-mails are returned promptly.
Wisconsin Mutual Insurance
Really good policy that covers flood insurance as well at good price.

Madison, WI Homeowners Insurance By Home Value

Madison, WI Home Value Total Homes % of Total Average Madison, WI Homeowners Insurance
Less than $50,000 1,100 2.0% $73
$100,000 to $124,999 2,162 4.0% $334
$125,000 to $149,999 3,135 6.0% $421
$150,000 to $174,999 6,447 13.0% $495
$175,000 to $199,999 6,977 15.0% $575
$200,000 to $249,999 11,854 25.0% $689
$250,000 to $299,999 7,246 15.0% $842
$300,000 to $399,999 5,691 12.0% $1070

Top Home Insurance Agents Near Madison, WI

Home Insurance Company Near Madison, WI Homeowners Insurance Agency Near Madison, WI Address
NA Donat Insurance Services Llc 111 1/2 Progressive Drive , Lake Delton, WI, 53930
Erie Baer Insurance Services Llc 1406 Business Hwy 18-151, Mount Horeb, WI, 53572
State Farm Kris Stanton 910 8th Ave, Baraboo, WI, 53913-1247
Farmers Nolan Anderson 105 E Main St, Waunakee, WI, 53597
Liberty Mutual Independent Sg Insurance Agency Llc 101 ALPINE PKWY STE 101, OREGON, WI, 53575

Madison, WI Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Madison, WI

Streets in Madison Area Homeowners Insurance Cost
Barber Dr, Redan Dr, Miller Ave, Esther Ct, N Orchard St, S Oakbridge Ct, Rolfsmeyer Ln, Busse St, Farmco Dr, Van Buren St$690
Green Ave, E Dean Ave, Fisk Pl, Lien Rd, Box Hill Rd, Daentl Rd, Maricopa Way, S Sunset Ct, Cook St, N Pinckney St$673
Raceway St, E Hill Dr, S Fair Oaks Ave, Aaron Ct, S Charter St, Little St, Mandan Cres, Freese Ln, Waubesa St, Annestown Dr$676
Swansee Ridge, Junction Ct, Bradley Pl, Burma Rd, Libby Rd, Brandon Rd, Greentree Rd, Bruns Ave, E Coldspring Ave, Lawton Ln$667
Braxton Pl, Sayle St, la Sierra Way, Pilgrim Rd, Mission Cir, Lawrence St, Manufacturers Dr, Lance Ln, Barlow St, Post Rd$683
Comanche Way, Smithfield Dr, Horned Owl Dr, W Geneva Cir, Navajo Trl, Jan Dr, Zeno St, N Brearly St, Dewberry Dr, Jacobs Ct$670
Rutland Dunn Townline Rd, Keyes Ave, Champion Cir, Shamrock Rd, S Broom St, Ashland Ct, Arial Cir, College Ct, Running Deer Trl, Enterprise Ln$678
Bellewood Dr, Covent Garden Sq, Wyota Ave, Henuah Cir, Wildberry Dr, Susan Cir, Norwood Pl, Carey Ct, W Shore Dr, N Thornton Ave$673
Isaac Dr, Welton Dr, Williamsburg Way, County Trick Hwy, W Dayton St, Waverly Pl, Libby Rd, Lewis Ct, N Hamilton St, Conlin St$655
Gregory St, Bewick Dr, Stone Corner Cir, Sutteridge Trl, Galley Ct, Crest Line Dr, Sebring Ct, Langlade Ln, Dryden Dr, Salem Dr$661

Madison, WI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Madison$100 to $102
Shorewood Hills$123
Dane County$101
Maple Bluff$116

Madison, WI Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Shorewood Hills village, Wisconsin $103 $137 $206
Dane County, Wisconsin $84 $112 $168
Maple Bluff village, Wisconsin $97 $129 $194

Madison, WI Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Madison, WI3.3%8.5%
Shorewood Hills2.24%6.86%
Dane County3.19%8.82%
Maple Bluff2.45%6.46%

Madison Renters Insurance as a Percentage of Rent

Madison Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 1,004 2.0% $769
$300 to $499 1,876 3.0% $1219
$500 to $749 10,650 21.0% $1894
$750 to $999 18,034 36.0% $2644
$1,000 to $1,499 13,419 26.0% $3769
$1,500 or more 4,568 9.0% $5419

Madison, WI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Madison Homeowner Insurance Premium Example $1,000$800
Out of Pocket Expense During Claim$1,700$2,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $9,700$9,100
Net Savings to Madison Home Owner from High Deductible Plan $600

Madison, WI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Madison, WI Home Replacement Value MORE than Home Value Madison, WI Home Replacement Value LESS than Home Value
Replacement Value $211,500 $118,000
Insurance Premium based on Replacement Value $900 $500
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $46,000 Risk Exposure from Under Insuring Coverage is $47,500
Premium Impact Insurance cheaper by $200/year Insurance costlier by $200/year

Example Madison Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Erie InsuranceAmerican Family InsuranceAmica Mutual Insurance Company
Monthly Premium 1719655
Year Built 196219871970
Home Details 5 Beds, 4 Baths4 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $500000-$600000$350000-$400000$150000-$175000
Deductible $500- $1000 Deductible$500- $1000 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for Madison, WI from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1971 160,000 Wood Shake Roof 1,660 2 $500- $1000 Deductible 650 12 Stucco siding No
1991 320,000 Tile Roof 2,280 4 $500 Deductible 720 7 Vinyl siding yes
2010 115,000 Wood Shake Roof 990 2 $1000-$2500 Deductible 100 4 Wood siding No
1991 485,000 Shingles Roof 3,400 5 $500 Deductible 1610 12 Stucco siding yes
1997 295,000 Membrane Roof 2,420 4 $500 Deductible 1330 12 Fiber-Cement Siding No
2012 245,000 Wood Shake Roof 1,840 3 $5000 to $10,000 Deductible 310 5 Fiber-Cement Siding yes
1941 180,000 Shingles Roof 1,490 2 $500- $1000 Deductible 200 3 Stone Siding yes
2008 285,000 Membrane Roof 2,730 4 $1000-$2500 Deductible 390 5 Stucco siding yes
2011 215,000 Shingles Roof 1,690 2 $2500-$5000 Deductible 220 4 Fiber-Cement Siding yes
2004 425,000 Tile Roof 3,060 5 $5000 to $10,000 Deductible 430 5 Wood siding yes
1940 295,000 Slate Shingles Roof 2,610 5 $500 Deductible 1130 12 Stone Siding No
1986 240,000 Wood Shake Roof 1,700 5 $2500-$5000 Deductible 630 8 Stucco siding No
1982 175,000 Asphalt Shingles Roof 1,620 2 $5000 to $10,000 Deductible 60 2 Stucco siding yes
1991 205,000 Asphalt Shingles Roof 1,430 2 $5000 to $10,000 Deductible 260 8 Wood siding yes
1989 150,000 Asphalt Shingles Roof 1,060 2 $1000-$2500 Deductible 270 7 Stone Siding No
2001 300,000 Wood Shake Roof 2,640 5 $500 Deductible 790 7 Fiber-Cement Siding No
1983 230,000 Composition Roof 1,700 3 $500- $1000 Deductible 280 3 Brick siding No
1976 105,000 Tile Roof 980 2 $2500-$5000 Deductible 30 2 Stucco siding yes
2002 510,000 Metal Roof 3,610 5 $5000 to $10,000 Deductible 890 10 Brick siding No
1941 370,000 Wood Shake Roof 2,820 4 $500 Deductible 220 2 Fiber-Cement Siding yes
1975 165,000 Wood Shake Roof 1,650 2 $500- $1000 Deductible 430 8 Brick siding yes
2004 215,000 Membrane Roof 1,490 3 $2500-$5000 Deductible 120 3 Stone Siding No
2010 120,000 Metal Roof 1,070 2 $500 Deductible 260 6 Stone Siding No
1992 320,000 Asphalt Shingles Roof 2,870 5 $500 Deductible 420 4 Stone Siding No
2014 220,000 Tile Roof 1,980 3 > $10,000 Deductible 110 3 Vinyl siding yes
1941 245,000 Asphalt Shingles Roof 1,700 3 $1000-$2500 Deductible 640 12 Stucco siding No
1999 265,000 Wood Shake Roof 2,380 3 $5000 to $10,000 Deductible 730 10 Stone Siding No
2000 245,000 Tile Roof 2,020 4 $2500-$5000 Deductible 170 3 Vinyl siding No
2001 335,000 Slate Shingles Roof 2,670 4 > $10,000 Deductible 380 5 Vinyl siding yes
1940 235,000 Wood Shake Roof 1,970 4 $2500-$5000 Deductible 140 3 Stone Siding No
1954 220,000 Tile Roof 1,013 2 > $10,000 Deductible 500 5 Vinyl siding No

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