Seguro de viviendas en Wisconsin

Secure Your Home With WI Home Insurance

Wisconsin homeowners insuranceAmerica’s Dairyland is an amazing place to call home. From Milwaukee and Madison to Green Bay and Kenosha, the state of Wisconsin has so much to see and do. And with so much to explore in the Badger State, protecting your home here should be one of your top priorities. With the right seguro de viviendas, you can have peace of mind whether you’re home or away, knowing that your house and your valuables are covered.
At The Hartford, we make WI homeowners insurance easy. We’re here to help protect your home and personal possessions if they’re ever damaged or destroyed. We strive to help our customers get the coverage they need with homeowners insurance rates they can afford.

Most Common Wisconsin Home Insurance Claims

Living in Wisconsin means experiencing all four seasons – from sunny summers to snow-filled winters. Throughout the year, WI can suffer from severe storms. From tornadoes to extreme temperatures, the weather in Wisconsin can be hard on a home.2 So, it’s best to make sure you’re always prepared for the unexpected.
Having a homeowners insurance policy can help protect your home from damage caused by weather disasters. However, flooding isn’t covered in a homeowners policy. For homeowners insurance, Wisconsin residents can add flood coverage to their policy for an extra layer of protection.
If a storm or natural disaster damages your home, we’ll make sure filing a claim is easy. We’ll review your coverage and help with any covered repair costs. Be sure to follow these steps to make sure you know what to do if your home gets damaged:3
Notify your insurance company as soon as you can after the loss has occurred. An insurance representative will decide the most appropriate way to assess and adjust any covered damage.
Identify building damage to your home and other structures on your property like your garage, shed or swimming pool. Your insurance representative will decide on resources to assess the damage and determine the best method of repair.
Make temporary, necessary repairs to protect your home from further damage. And be sure to keep your receipts so you can include them in your insurance claim.
Complete a claim form, which your insurance company will give you. After damages occur, you’ll want to inventory your personal property that was impacted. You can talk with your adjuster about the best way to document and submit your claim for these items.
Once your insurance adjuster has gathered all pertinent information to determine coverage and estimate your damage, a discussion will take place to advise you on the settlement.

Top Wisconsin Home Protection Tips

Whether you’re trying to prevent burglaries or protect your family from a fire, there are steps you can take to help protect your Wisconsin home, including:
  • Installing a smoke and heat detectors in or near all bedrooms.4
  • Keeping your house clear of trash, oily rags or other materials that can catch fire.5
  • Checking your appliances for any frayed wiring.6
  • Practicing home fire drills to be sure everyone understands what to do in an emergency.7
  • Keeping matches and lighters away from children.8
  • If you smoke, doing it outside and never in bed.9
  • Making sure all doors are locked and not letting newspapers or mail pile up if you’re away on vacation.10
  • Installing window decals in rooms where older family members or children sleep. You can get these from your insurance company or local fire department.11

Evaluating Your Risks as a Wisconsin Homeowner

If your home is damaged, one thing that can help make the claims process smoother is a home inventory. You can use it to help decide how much coverage to get and figure out what needs repairing after a disaster.
To create your home inventory:12
  • List and describe every item of value in your house
  • Write down any serial numbers
  • Save receipts for your items
  • Keep detailed records of antiques, jewelry, major appliances and collector’s items
  • Take photos so you can see what each item looked like before damage
  • Regularly update your home inventory to account for new items

What WI Home Insurance Covers

WI homeowners insuranceYour WI home insurance provides various coverages to help protect your home.
La cobertura de vivienda helps protect your home and the structures directly attached to it, including electrical wiring and plumbing systems. Freezing temperatures can result in frozen pipes that may damage your plumbing. If that happens, dwelling coverage can help pay your repair costs.
Other structures coverage, which helps cover structures on your property that aren’t connected to your house, like your shed and fence.
La cobertura de propiedad personal helps pay to repair or replace the possessions in your home if they’re stolen, damaged or destroyed by a covered event.
Liability coverage can help if someone sues you for causing an injury or property damage. So, if you’re cutting down a tree and it hits your neighbor’s car, your homeowners insurance policy can help cover their repair costs. Or in the case of an injury, it can help cover their medical payments.
Loss of use helps pay your living expenses if a covered loss prevents you from living in your home while it’s being repaired.
ProtectorPLUS Zero Deductible Benefit waives your homeowners base insurance deductible (up to $5,000) if there is more than $27,500 of damage from a qualifying loss.
Without WI homeowners insurance, you may have to pay out of pocket to make any repairs or replace destroyed items. And if someone files a liability claim against you, you’d be responsible for paying legal fees and court costs.

Additional WI Homeowners Insurance Options

For even more protection, you can add more coverage options to your WI homeowners insurance policy. The Hartford offers the following types of additional coverage:
Additional Limits coverage. This pays the full cost to rebuild your home up to 125% of your coverage limits if it’s a total loss. In Wisconsin, this coverage can provide up to 150% of your coverage limits.
“New for old” protection to replace destroyed personal property with new items of the same quality.
Personal injury liability coverage to help cover damages from a libel or slander claim.
Reimbursement for replacing locks helps cover up to $500 to replace locks if your keys get lost or stolen, with a $100 deductible.
Identity fraud expense coverage which helps compensate you for out-of-pocket expenses up to certain limits (see your policy for limits) if you’re a victim of fraud or identity theft.
Disappearing property deductible,‡‡ which reduces your deductible each year if you go three consecutive years without filing a claim.
Homeowners equipment breakdown coverage to help with costs related to mechanical or electrical breakdown of appliances and electronics. However, this does not cover normal wear and tear. This benefit also provides coverage if you want to make “green” upgrades. It pays up to 125% of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly.

Average Cost for Homeowners Insurance in Wisconsin

According to the Insurance Information Institute (III), the average cost for homeowners insurance in 2018 for Wisconsin was $814, which was lower than the national average of $1,249.
Home insurance costs depend on several factors, so you may pay more or less than the national average home insurance cost. Your home insurance rates are determined by the type of home you have, its location and the coverage amounts you choose. For example, if you have a brick home, your homeowners insurance rate may be higher than a home built with wood.
Consider shopping around for the best homeowners insurance rate, because the cost can vary between insurance companies. Comparing different home insurance quotes can help you get the right coverage at the right price.

Wisconsin Homeowners Insurance Discounts

If you have car insurance with The Hartford, you can bundle it with your Wisconsin homeowners insurance policy to get a discount. You can save up to 12% on auto insurance and up to 20% on homeowners insurance when you combinar el seguro coverage with The Hartford.** Our customers save an average of $813 after bundling their home and auto policies.**

Determining the Right Amount of WI Home Insurance

Knowing how home insurance companies handle claims can help you decide which policy to buy. To choose the right amount of WI home insurance, you should know the difference between “replacement cost” and “actual cash value.”
Replacement cost is the amount it takes to replace or rebuild your home with similar materials. It’s a good idea to insure your home for 100% of its replacement cost so your policy can help cover all your rebuilding costs.
Actual cash value is how much an item is worth when it gets damaged or destroyed. This takes your replacement cost and subtracts a certain amount for depreciation. So, if your couch cost you $1,000 five years ago, its actual cash value today would be less.
Every homeowner has different coverage needs. At The Hartford, we’ve been helping homeowners across the country with their needs for years. Let us help you figure out how much coverage you need for your unique home. Contact an insurance agent or get a cotización de seguro de viviendas today. You can also call 888-413-8970 to speak to one of our specialists.
Última actualización: 3 de abril de 2024
2 Milwaukee Health Department, “Natural Disasters and Extreme Weather”
3 State of Wisconsin: Office of the Commissioner of Insurance, “Settling Property Insurance Claims”
4,5,6,7,8,9,10,11 State of Wisconsin: Office of the Commissioner of Insurance, “Consumer’s Guide to Homeowner’s Insurance”
12 State of Wisconsin: Office of the Commissioner of Insurance, “Personal Property Home Inventory”
** Los montos de ahorro promedio se basan en información comunicada por los clientes que se cambiaron a The Hartford desde otras compañías entre 9/1/22 y 8/31/23. Su ahorro puede variar. El ahorro promedio en el seguro para automóviles es de $577 y el ahorro promedio en el seguro de viviendas es de $236. Las diferencias de tarifas entre los afiliados y los no afiliados de AARP varían según el estado y la antigüedad de los afiliados de AARP. El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y de viviendas AARP de The Hartford. .The Hartford no suscribe nuevos negocios en todas las áreas, incluidos los estados de CA y FL.
§ La disponibilidad del beneficio RecoverCare y los niveles del beneficio varían según el estado. The Hartford RecoverCare Advantage® es una marca registrada de The Hartford.
§§ Se aplican términos y condiciones.
Se aplican términos y condiciones. La exención por accidente y la desaparición progresiva del deducible no están disponibles para asegurados de California.
‡‡ Se aplican términos y condiciones. La disponibilidad varía según el estado.
‡‡‡ Con base a un auto y conductor; la tarifa/prima/ahorros individuales variarán según las selecciones de cobertura reales y las características de los vehículos/conductores.
Divulgaciones adicionales a continuación.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.