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Laura Berry

Former Insurance Agent

Former Insurance Agent

Joshua Adamson

Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

UPDATED: Aug 3, 2021

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Renters in Wisconsin looking for information on renters insurance have come to the right spot. We’ve researched the ins and outs of the average cost, discounts available, coverage options, and more. This guide is for you.

What is the average cost of renters insurance in Wisconsin?

Wisconsin renters pay approximately $130 each year for renters insurance. That places Wisconsin 30% below the national average.

Consider the value of your belongings: furniture, jewelry, electronics, media collections, and more. If you had to buy new possessions, it would cost a lot more than a year’s worth of renters insurance to pay to replace it all. In fact, you’d only have to work 18 hours at minimum wage to cover the premium for a full year. For such a small cost, why risk falling victim to a robbery or natural disaster without the protection of renters insurance?

What kind of Wisconsin rental insurance coverage is available?

In 2012, the state of Wisconsin had 27,945 burglaries reported. If you find yourself dealing with the aftermath of a break-in, a renters insurance policy can help offer financial relief as you replace your lost items.

Don’t leave your home and valuables unprotected. The standard renters insurance policy features:

  • Personal property coverage – Your personal property will be repaired or replaced if damaged or stolen if you have personal property protection.
  • Liability coverage – With liability protection, your insurance will cover the medical expenses if someone is injured in your home.
  • Additional living expenses coverage – This coverage will pay for a hotel or whatever else you need if you are unable to stay in your apartment due to damages.

There are other types of coverage you can add to your policy as well, such as identity theft protection and medical payments coverage.

Make sure to look closely at the coverage limits and exclusions on your renters policy. You don’t want to file a renters insurance claim for water damage after a flood only to realize you don’t have flood insurance. If you have expensive items in your home, such as sports equipment or musical instruments, you may wish to increase your personal property coverage limits.

How can you save with insurance discounts?

Insurance companies want to help you save on your policy. See if the following discounts can help you find more affordable renters insurance:

  • Safety Devices:  Having a smoke detector, security system, or other home monitoring system can help to decrease your rates.
  • Clean Claim History: If you’ve never had to file a claim with your insurance provider, your rates may benefit.
  • Multi-Policy:  Get renters coverage with your auto insurance company and you may save on both.

What should you do next?

In Wisconsin, 32% of residents rent their house, apartment, or condo–paying an average of$807 per month for a two-bedroom residence in Wisconsin. Since renters insurance costs an average of just $130 for an entire year of coverage, it’s hard to justify taking the chance of going without renters insurance.

If you still have questions, talk with a licensed agent. They know the intricacies as well as how to get you the best renters insurance rates. Call [mapi-phone /].

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