Wauwatosa Insurance Rates:

Wauwatosa, WI homeowners insurance is about $572 to $775, about $47-$64/month. Our comprehensive guide indicates shoppers can save as much as $269 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Find the Cheapest Homeowners Insurance in Wauwatosa, WI

As a homeowner in Wauwatosa, WI, you know that your home is one of your most valuable assets. You've worked hard to make it a comfortable and safe place for your family, and you want to ensure it's protected in an accident or disaster. That's where homeowners insurance comes in. Homeowners insurance is a type of property insurance that covers your home and possessions in the event of damage or loss. It can help protect you from financial losses if your home is damaged by fire, wind, theft, or other covered events. It can also help pay for temporary housing and other expenses if you must evacuate your home due to a covered disaster.

In Wauwatosa, Wisconsin, homeowners insurance typically costs $761. When determining your premiums, Wauwatosa, Wisconsin, home insurance firms consider several factors. These include age, location, deductible, past claims history, kind of materials, and other home characteristics. Certain factors, like a pool or trampoline on the property and prospective safety measures installed to protect your home, are also considered by insurers. VHome has explored the factors influencing the cost of home insurance in  Wauwatosa, WI.

By Choosing a Higher Deductible

Your home insurance deductible is the amount you consent to pay toward a claim before your insurance company comes in and covers the remaining costs. Increasing your deductible frequently results in cheaper annual premium costs. For instance, homeowners in Wauwatosa, Wisconsin, pay $752 and $640 in premiums, respectively, for deductibles of 500 and 1500. However, households with deductibles of 2000 and 2500 pay $581 and $546, respectively. As a result, the higher the deductible, the lower the homeowners insurance rates in  Wauwatosa, WI.

By Installing Security Features

Installing security features on your Wauwatosa, Wisconsin, home can help you save money on your insurance. By installing an alarm system, deadbolt locks, and motion-sensor lights, you can deter burglars and vandals and make your home a less attractive target. This can lead to a discount on your insurance premium. In addition to making your home less of a target for criminals, installing security features can also help you in the event of a claim. For example, homes with deadbolts in  Wauwatosa, WI, pay $700 on home insurance.

By Maintaining a Zero Claims History

Your home insurance premiums are based partly on your claims history. A claims-free history can help you save money on your Wauwatosa, Wisconsin, home insurance. If you have a history of filing insurance claims, your insurance company may see you as a higher-risk customer and charge you higher premiums. On the other hand, if you have a claims-free history, your insurance company may view you as a lower-risk customer and offer you discounts on your premiums. For instance, in Wauwatosa, Wisconsin, homeowners with no prior claims must pay a premium of $670. However, homeowners with one or two claims must pay premiums of $829 and $867, respectively.

Wauwatosa, WI Homeowners Insurance By Home Value

Wauwatosa, WI Home Value Total Homes % of Total Average Wauwatosa, WI Homeowners Insurance
Less than $50,000 227 1.0% $67
$100,000 to $124,999 200 1.0% $323
$125,000 to $149,999 480 3.0% $403
$150,000 to $174,999 1,385 10.0% $477
$175,000 to $199,999 1,902 15.0% $551
$200,000 to $249,999 4,102 32.0% $659
$250,000 to $299,999 2,383 18.0% $807
$300,000 to $399,999 1,732 13.0% $1029

Top Home Insurance Agents Near Wauwatosa, WI

Home Insurance Company Near Wauwatosa, WI Homeowners Insurance Agency Near Wauwatosa, WI Address
State Farm Brad Marx 1446 Horicon Street, Mayville, WI, 53050-1467
State Farm Craig Smith 6804 Green Bay Rd Ste 115, Kenosha, WI, 53142-1451
State Farm Dan Degarmo 8927 W National Avenue, West Allis, WI, 53227
Travelers Premier Ins Services Of Wisconsin Inc 101 EVERGREEN PKWY #2, ELKHORN, WI, 53121
Travelers Republic Associates Of Wi Inc 1109 N Mayfair Rd, Wauwatosa, WI, 53226

Wauwatosa, WI Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Wauwatosa, WI

Streets in Wauwatosa Area Homeowners Insurance Cost
W Woodward Ave, Mountain Ave, Ridge Ct, Washington Cir, Harwood Ave, Underwood Ave, Rogers Ave, W Underwood Pkwy, N Argonne Dr, Saint James Ct$702
N Wauwatosa Ave, Red Arrow Ct, W Research Dr, Portland Ave, Mayfair Ct, W Derby Ave, N Pasadena Blvd, N Fairwood Ct, N Honey Creek Pkwy, Bel Air Cir$665
W McKinley Blvd, N Glenway Ct, N Raymir Cir, W Hawthorne Ave, Ravenswood Cir, Harvey Ave, N Park Dr, Ridge Blvd, N 117th Pl, W Woodland Ave$697
N Menomonee Dr, Parkside Ct, W Potter Rd, Meadow Ct, W Walnut Rd, W Terrace Ct, W Gilbert Ave, Mower Ct, W York Pl, N Knoll Ter$670
Jackson Park Blvd, N Willis Pl, Avon Ct, N Met To Wee Ln, N Swan Blvd, N 63rd Ct, St James St, Day Ct, S Upper Pkwy, W Homewood Ave$668

Wauwatosa, WI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Wauwatosa$100 to $103
Elm Grove$110

Wauwatosa, 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
Elm Grove village, Wisconsin $110 $147 $221
Milwaukee city, Wisconsin $95 $126 $189
Butler village, Wisconsin $98 $130 $195

Wauwatosa, 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
Wauwatosa, WI3.2%8.3%
Elm Grove2.65%6.66%

Wauwatosa Renters Insurance as a Percentage of Rent

Wauwatosa Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 82 1.0% $767
$300 to $499 216 3.0% $1217
$500 to $749 1,163 17.0% $1892
$750 to $999 2,491 38.0% $2642
$1,000 to $1,499 1,759 26.0% $3767
$1,500 or more 834 12.0% $5417

Wauwatosa, WI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Wauwatosa Homeowner Insurance Premium Example $500$300
Out of Pocket Expense During Claim$1,700$2,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $5,700$5,100
Net Savings to Wauwatosa Home Owner from High Deductible Plan $600

Wauwatosa, WI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Wauwatosa, WI Home Replacement Value MORE than Home Value Wauwatosa, WI Home Replacement Value LESS than Home Value
Replacement Value $271,000 $188,000
Insurance Premium based on Replacement Value $900 $625
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $25,500 Risk Exposure from Under Insuring Coverage is $57,500
Premium Impact Insurance cheaper by $200/year Insurance costlier by $75/year

Example Wauwatosa Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Erie InsuranceGEICO InsuranceTravelers
Monthly Premium 4110958
Year Built 197719411969
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 1 Baths
Coverage Amount $125000-$150000$300000-$350000$200000-$250000
Deductible $500 Deductible$500- $1000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1949 160,000 Slate Shingles Roof 1,370 3 $500- $1000 Deductible 290 8 Stone Siding No
1976 165,000 Tile Roof 1,350 2 $500 Deductible 230 4 Stone Siding yes
1946 235,000 Tile Roof 1,880 3 > $10,000 Deductible 420 12 Fiber-Cement Siding No
1964 245,000 Wood Shake Roof 1,840 3 $1000-$2500 Deductible 500 7 Stucco siding yes
1943 570,000 Shingles Roof 4,210 5 $2500-$5000 Deductible 1040 9 Stucco siding No
1954 210,000 Shingles Roof 1,850 3 > $10,000 Deductible 30 1 Wood siding yes
1950 460,000 Asphalt Shingles Roof 3,220 4 $2500-$5000 Deductible 490 5 Fiber-Cement Siding No
1945 305,000 Metal Roof 2,330 3 $500- $1000 Deductible 500 4 Vinyl siding yes
1960 240,000 Asphalt Shingles Roof 1,930 4 $500- $1000 Deductible 390 8 Wood siding yes
1950 295,000 Asphalt Shingles Roof 2,070 5 $1000-$2500 Deductible 320 5 Brick siding yes
1944 290,000 Membrane Roof 2,210 3 $500 Deductible 870 9 Fiber-Cement Siding yes
1961 380,000 Wood Shake Roof 2,690 4 $500 Deductible 340 3 Fiber-Cement Siding No
1969 300,000 Wood Shake Roof 2,050 4 $5000 to $10,000 Deductible 50 1 Brick siding yes
1960 265,000 Asphalt Shingles Roof 2,030 4 $5000 to $10,000 Deductible 90 2 Stone Siding No
1976 165,000 Asphalt Shingles Roof 1,420 3 $1000-$2500 Deductible 680 12 Stucco siding yes
1977 185,000 Tile Roof 1,670 5 $2500-$5000 Deductible 320 8 Wood siding yes
1954 130,000 Composition Roof 1,210 2 $2500-$5000 Deductible 60 2 Stucco siding yes
1960 255,000 Slate Shingles Roof 1,740 3 $1000-$2500 Deductible 870 10 Brick siding No
1953 385,000 Slate Shingles Roof 2,990 4 $1000-$2500 Deductible 720 5 Wood siding yes
1971 210,000 Slate Shingles Roof 1,510 3 $500 Deductible 240 4 Stucco siding No
1949 225,000 Tile Roof 1,660 2 $500- $1000 Deductible 80 1 Stucco siding No
1960 235,000 Asphalt Shingles Roof 1,850 3 > $10,000 Deductible 120 4 Stone Siding No
1961 200,000 Wood Shake Roof 1,790 2 $500 Deductible 300 4 Stone Siding yes
1976 230,000 Slate Shingles Roof 1,700 2 $2500-$5000 Deductible 370 6 Fiber-Cement Siding yes
1975 715,000 Wood Shake Roof 4,870 5 $2500-$5000 Deductible 150 1 Wood siding yes
1964 330,000 Composition Roof 3,150 5 > $10,000 Deductible 120 3 Stone Siding No
1941 355,000 Membrane Roof 2,790 4 $5000 to $10,000 Deductible 110 1 Wood siding yes
1970 285,000 Asphalt Shingles Roof 2,390 3 > $10,000 Deductible 270 7 Vinyl siding yes
1973 175,000 Asphalt Shingles Roof 1,250 3 $500 Deductible 160 3 Brick siding yes
1963 635,000 Shingles Roof 4,770 5 $5000 to $10,000 Deductible 1340 9 Stone Siding yes
1973 245,000 Shingles Roof 2,020 3 $1000-$2500 Deductible 890 12 Vinyl siding No
1963 580,000 Metal Roof 3,930 5 $500 Deductible 660 3 Stone Siding yes
1970 165,000 Slate Shingles Roof 1,210 2 $1000-$2500 Deductible 50 1 Brick siding yes
1945 375,000 Membrane Roof 2,690 4 > $10,000 Deductible 220 3 Wood siding yes

Latest Home Insurance Reviews

Meemic Insurance
I live in the state of Michigan and am a teacher. Meemic offers great rates for teachers like myself and I have nothing but positive things to say about them and their customer service.
Integrity Insurance
They are there for me whenever I need them to be and easy to work with. If I ever have any questions or concerns, it's easy to get answers that are fair and understandable.
Country Financial
My policy with Country Financial was much more affordable than the next comparable policy with State Farm. They provided the same coverages and more personalized local service.
I would recommend Allstate because of it's track record for being more than fair on price rates.
State Farm
Great company,good rates,great discounts,good communication. I cant say anything negative. I have more than one policy and combined -they are very reasonable. I feel safe and valid in saying this is a good.
Farm Bureau
I like that there is a larger organization working on behalf of agricultural producers and that i can go to them with questions and they understand what i'm talking about and can give me answers.
Farm Bureau
They are really helpful and friendly. and claims we have ever had have been taken care of in a timely fashion.
Erie Insurance
With other companies, we couldn't get much insurance because we use an outdoor wood stove for heat. Erie was more than happy to provide us with a great policy at a very reasonable rate.
Horace Mann Educators Corporation
I feel like they are not the cheapest coverage but offer the best insurance policy. I feel safer with this policy because of our pool.
State Farm
everything good family future life and all details get very ack income satisfy
State Farm
I like State farm. I love their prices, services and customer service agents.
State Farm
My home insurance company is state farm insurance company. there are a couple of things about them i do not like, but maybe some of these apply to any insurance company. number one they continually raise the insurance rate every year, and add "value" onto your home regardless if you home and/or possessions are actually increasing in pricing. thus, there is a punishment for staying loyal to the company. if you sign up for a new policy you will be reset at a lower price and they will not add on the inflation cost every year, which gets to be substantial over a period of time. the second thing i do not like are the sales solicitations. they will call you and leave a message as if there is a problem with the policy, but if you call back it turns out they just wanted to make a sales pitch for another product.
State Farm
My local agent and his employees are amazing. They communicate with my family on a regular basis and provide excellent customer care.
Farm Bureau
Their customer service people are very helpful no matter what kind of problem you have. That's why I stay with them even though they're a bit more expensive.
I don't communicate with them very often. They send a bill once a year, and a renewed policy once a year, and that is about it. It is fine.
Meemic Insurance
The company always works closely with us and the staff is very good at explaining our policies. We have never had an issue.
Farm Bureau
We shopped around when we bought our house and it was quite a bit lower than any of the others in our area. State Farm was significantly higher.
Erie Insurance
Their policy is very comprehensive and covers a lot. We also have two homes so it is important that we have good coverage especially since one is a rental property.
Grange Insurance
I would recommend my home insurance policy company Grange because it has the best customer service, deductible.premiums of all the home insurance companies I have had in the past.
Integrity Insurance
I would recommend them as for about the same cost you can get added coverages for your home, although they raised my rates over $200 this year.
The service has been pretty easy to use: It was easy to set up on the app and every time I've had a question their chat service and requisite email with a person has been informative and useful.

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