Hello Wisconsin! America’s Dairyland is a fantastic place to call home, with friendly people, breathtaking natural beauty, and some of the best comfort food America has to offer (cheese curds and smelt fries, anyone?).

Mother Nature deals a mighty wallop to the Badger State throughout the year- be prepared for lightning, hail, and snow on top of snow (uffda!). Homeowners insurance will help you pay to repair or replace your home and belongings if they’re damaged by a natural disaster, fire, or in a burglary. Fortunately, Wisconsin’s homeowners’ insurance premiums average $750 per year, about $425 less than the national average.

Price is just one consideration when deciding on an insurance provider. Homeowners should also factor in reputability, customer satisfaction, and the provider’s capacity to tailor a policy based on specific coverage needs. Check out these reviews of Wisconsin’s five largest homeowners insurance providers to help you find the best match for your new home:

Top 5 Homeowners Insurance Providers in Wisconsin

State Farm

J.D. Power 2018 Overall Satisfaction Score: 825/1000

A.M. Best Financial Strength Rating: A

Of the five companies selected, State Farm scored top marks in customer satisfaction. For a start, its website is among the most user-friendly and easiest to navigate. The online quote process was quick and painless, and, according to Consumer Reports, so is filing a claim. For everything inside the home, the company’s Home Inventory Checklist removes the stress of accounting for all of your belongings should you need to file a claim.

Not surprisingly, Wisconsin’s most common claims involve weather-related damage from thunderstorms, tornadoes, and heavy snow. State Farm’s standard policy covers these events and offers more discounts compared to some of its competitors. Of particular note is its inflation guard endorsement, which adjusts coverage to meet annual building material cost increases.

Allstate

J.D. Power 2018 Overall Satisfaction Score: 822/1000

A.M. Best Financial Strength Rating: A+

Price shoppers are in good hands with Allstate. The company offers discounts for new customers, renovations, and updates to your home. It also has solid customer service and a user-friendly website and quote process, including a feature that allows homeowners to more thoroughly explore Allstate’s different policy offerings.

Knowing the most common natural disaster risks in your part of the state can help you customize your homeowner’s insurance policy. Simply by entering your zip code, Allstate’s Common and Costly Claims tool will identify the best coverage for your geographic area.

American Family

J.D. Power 2018 Overall Satisfaction Score: 813/1000

A.M. Best Financial Strength Rating: A+

While the response to a quote isn’t as instantaneous as its competitors- rather than offer quotes online, its independent agents field and respond to quote requests — American Family’s website lays out all its coverage and discount options in plain language, with a great FAQ section and online chat option. The American Family app simplifies the claims process by allowing policyholders to track all their personal belongings in one place.

Financially, American Family has a strong and respectable lineage. It’s also the only company to offer customer loyalty discounts on top of its standard safety discounts and incentives for updated homes.

Acuity

J.D. Power 2018 Overall Satisfaction Score: N/A

A.M. Best Financial Strength Rating: A+

Sheboygan-based Acuity is an option for those looking to support local businesses. Founded in 1925, the company has the advantage of more intimate knowledge of Wisconsinites’ specific coverage needs. While its online support may not be as strong as some of the ‘big-box’ providers, Acuity makes up for that in one-on-one customer service.

The company is competitive when it comes to benefits, however. Homeowners who bundle their home and auto insurance can save up to 20%, and Acuity offers an endorsement that guarantees home replacement coverage, even if the cost to rebuild exceeds your home’s cash value.

West Bend Mutual

J.D. Power 2018 Overall Satisfaction Score: N/A

A.M. Best Financial Strength Rating: A

West Bend Mutual is another local hero, with a Wisconsin market share that almost matches national juggernaut Allstate. Part of its popularity may be due to the fact that it offers coverage add-ons for people who love their state’s outdoor recreation activities, including snowmobiles, ATVs, and golf carts.

This provider offers more endorsements than any other company on this list. As with other small, regional providers, West Bend Mutual doesn’t have an online quote option. Get in touch with an agent to see if their options meet your needs.

USAA

J.D. Power 2018 Overall Satisfaction Score: 891/1000

A.M. Best Financial Strength Rating: A++

USAA’s satisfaction score speaks for itself. This company is one of the top ten insurers in the state of Wisconsin, and its mega-strong financial strength rating means you can be confident in the security of your homeowner’s policy. To be eligible for coverage, or to receive a quote through USAA, you must personally be a member of the U.S. armed forces or have an immediate family member who serves.

Other Key Considerations When Selecting a Home Insurance Policy

Did we mention the weather in Wisconsin? Ice and snow (to say nothing of lake effect snow) are a fact of life for those living ‘up north’, and the longer it lingers, the greater damage it can do to roofs and other structures. Ice and snow coverage is standard in most homeowners policies but review yours carefully to ensure it’s not excluded.

Take a state with 15,000 lakes, almost 57,000 miles of river, add an all-day soaker, and, well, you get the math. Even if you’ll likely have to purchase flood insurance on top of your regular homeowner’s policy, it’s worth it for people living in flood plains. FEMA’s national flood insurance program is one option.

If you’re a new homeowner in the market for insurance to protect your investment, a Wisconsin-based agent will help you find the most reasonable and reliable company for your needs. Check out Clever’s free, no-obligation form to get you in touch with a top-rated buyer’s agent in your area.