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wisconsin homeowners insurance

For most Sconnies, your home is your largest investment. But your house is also so much more — the result of hard work, dreams, and a unique vision for just how sweet life (and insulation in the winter) can be.

At Esurance, we want you to have protection that's as personal as your home itself. A Wisconsin home insurance policy is built with your unique needs in mind, chock-full of great coverages, 24/7 assistance, and easy policy management that puts your home's protection right at your fingertips.

Home insurance features from Esurance

Here are some of the ways to help safeguard your most important asset.

Automatic dwelling protection updates

Every time you renew your Wisconsin homeowners insurance, we'll automatically check to see if reconstruction cost has changed in your area.

If the cost has increased, we'll update your policy. (Of course, we'll let you know how the change affects your premium.) If the cost has decreased, we'll notify you so you can update your coverage if you'd like. It's just one more way we're making insurance easy.

Customizable coverage limits

To make it easy for you to get the right level of protection, we provide a range of coverage limits so you can get the exact amount of insurance you need. We know some homeowners need insurance where others don't, and you shouldn't get stuck paying for coverage you don't need.

5 percent back with claim forgiveness

Add this feature and you'll get up to 5 percent off your premium just for going claim-free. And if you do file a claim, no worries. Your rate won't increase. It's that simple.

Wisconsin homeowners insurance discounts

When you get a free Wisconsin home insurance quote, you'll learn about the ton of ways you can save on homeowners coverage, including:

Welcome Home discount
Just for choosing Esurance, we knock down your premium for the first 2 policy terms.

DIY Inspection discount
Send us a copy of your home appraisal done within the last year to score savings.

Multi-Policy discount
You qualify simply for insuring your Wisconsin home, your car, and even your motorcycle with Esurance.

Smoke-Free discount
If no one in your household smokes, you stand to save. (Nifty, huh?)

Home Safety Features discount
Installing common-sense safety features like deadbolt locks, fire sprinklers, and burglar alarms not only helps keep you safe, but it can also earn you sweet savings.

More great home insurance discounts in Wisconsin include the Claim-Free discount, Hail Resistant Roof discount, New Home discount, Future Effective Date discount, Loyal Customer discount, and the Preferred Buyer discount.

Standard homeowners insurance coverages

Dwelling protection
If fire, wind, vandalism, or another covered incident damages your home, your homeowners policy can help you repair or rebuild it.

It's wise to have at least enough dwelling protection to cover the cost of completely rebuilding your house. But if you want more coverage, that's fine too — residents in America's Dairyland can set their dwelling protection limits as high as 175 percent above their rebuilding estimate to cover potential increases in building costs.

Personal property protection
Your home insurance needs don't stop at the front door. Property protection helps repair or replace valuables inside the home, such as electronics, clothing, and furniture.

Family liability protection
If you accidentally cause property damage or injure someone, your liability costs could be covered — we're talking legal fees, medical bills, and settlements.

Our homeowners insurance in Wisconsin automatically includes $100,000 of liability coverage, but you can raise your limit up to $500,000. And best of all, you don't need to pay a dime out of pocket (a deductible) for this coverage to kick in.

Water backup coverage
If a clogged drain or a broken sump pump causes water damage, we'll cover up to $5,000 for most folks automatically. Wisconsin residents may be able to increase their limits up to $25,000 for even more protection. To check available coverage for your policy, give us a call at 1-800-ESURANCE (1-800-378-7262).

Additional living expense coverage
Sometimes a covered loss leaves your home uninhabitable and you need to stay elsewhere while repairs are made. Luckily, we'll help cover your hotel bill, food costs, and other reasonable expenses for up to 12 months (up to the limit) after the incident.

Helpful optional homeowners coverages

Here are some savvy optional Wisconsin home insurance coverages.

Roof surfaces extended coverage

Wisconsin sees a whopping 24 tornadoes a year (on average). If a passing twister impacts your roof, the damage might exceed your dwelling coverage limits or other structures protection.

Good thing Wisconsin homeowners can add roof surfaces extended coverage, which provides the funds to help repair or replace your roof (up to your limit) after incidents involving wind or hail.

Building codes coverage

If, after a loss, you need to repair or rebuild your home to comply with shifting Wisconsin building laws, this coverage will help bring you up to code. This is especially useful if you live in an older home that's gone more than a few years since its last renovation. While your policy would help restore your home to its original condition, building codes coverage pays the extra cost of bringing it up to new standards.

Identity theft expense coverage

Few things can be as unsettling as having your identity stolen, and it's a crucial time to know someone has your back.

For just $3 a month ($4 for 2 people), we bring in a dedicated service to help fix the damage done to your name and credit following ID theft. This coverage will also provide an annual credit report and score, monthly credit file monitoring, and a dedicated ID theft advisor.

Additional coverage for jewelry, watches, and furs

Fur coats may not be the cheapest way to protect against that brutal Wisconsin cold, but they sure are warm. And since these garments can be pricy to replace if damaged or stolen, we offer high-limit coverage on furs, plus other luxury items like jewelry, watches, and silverware.

We offer specialized coverage on a variety of other home items, too — including sporting equipment, garden vehicles/tools, and appliances.

This is really just scratching the surface. Call us at 1-800-ESURANCE (1-800-378-7262) to find out all the optional coverages available to you.

Get coverage built to secure your family and future

You can't predict the future. But with a reliable Wisconsin homeowners insurance policy from Esurance, you can at least be prepared for it if the unexpected happens to you.

Start your free Wisconsin homeowners insurance quote to get unique coverage tailored to your needs and some well-deserved peace of mind for your pride and joy.

Related links

Home fire safety: get alarmed
Here's your guide on keeping your home fire safe.

Buying a new home
Home buying is a pretty intensive process, but the reward is well worth the effort.

Wonder if you could be saving on homeowners insurance?

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