Wauwatosa, WI Home Insurance - Analysis On Quotes, Rates & Agents
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.
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
| Place | Savings For Senior Occupied Homes |
|---|---|
| Wauwatosa | $100 to $103 |
| Elm Grove | $110 |
| Milwaukee | $95 |
| Butler | $97 |
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
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Wauwatosa, WI | 3.2% | 8.3% |
| Elm Grove | 2.65% | 6.66% |
| Milwaukee | 3.81% | 9.55% |
| Butler | 3.71% | 10.43% |
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 Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,700 | $2,700 |
| 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 Insurance | GEICO Insurance | Travelers |
| Monthly Premium | 41 | 109 | 58 |
| Year Built | 1977 | 1941 | 1969 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 3 Baths | 5 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 InsuranceI 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 InsuranceThey 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 FinancialMy 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.
AllstateI would recommend Allstate because of it's track record for being more than fair on price rates.
State FarmGreat 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 BureauI 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 BureauThey are really helpful and friendly. and claims we have ever had have been taken care of in a timely fashion.
Erie InsuranceWith 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 CorporationI 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 Farmeverything good family future life and all details get very ack income satisfy
State FarmI like State farm. I love their prices, services and customer service agents.
State FarmMy 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 FarmMy local agent and his employees are amazing. They communicate with my family on a regular basis and provide excellent customer care.
Farm BureauTheir 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.
NationwideI 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 InsuranceThe company always works closely with us and the staff is very good at explaining our policies. We have never had an issue.
Farm BureauWe 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 InsuranceTheir 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 InsuranceI 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 InsuranceI 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.
ProgressiveThe 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.