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2024

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Best Homeowners Insurance Agencies in Madison, WI

Our Recommended Top 16

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Madison Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

147Reviewed

94Curated

16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

209 South Klein Drive, Waunakee, WI 53597
WebsiteLicense: 18667221

Expertise.com Rating

Review Sources

Google
4.9 (26)
Facebook
5.0 (9)

Why choose this provider?

WIA Insurance offers homeowners' insurance coverage to clients in Madison. Its insurance policy covers the tangible assets of homeowners and renters, including personal possessions and liability coverage. The company also offers auto, business, farm, and life insurance. CEO David Dargenio has been in the insurance and business industry for over 23 years. He aims to determine the client's short- and long-term objectives and assist them in their planning needs. WIA Insurance represents various carriers, including Acuity, Progressive, Erie, and Secura.

  • Homeowners

6417 Odana Road, Suite 13, Madison, WI 53719
WebsiteLicense: 3001123005

Expertise.com Rating

Why choose this provider?

Affordable Family Insurance has been handling the insurance needs of residents in Madison and the neighboring communities for more than four decades. It works with several insurance carriers to help find the right insurance policy, such as home, auto, property, and business, based on clients' needs. It also offers life, health, and disability plans. Dedicated to providing exceptional customer service, owner Dennis Bertz has been commended for listening well to clients' concerns and answering their every question regarding insurance.

  • Homeowners

4851 Larson Beach Road, McFarland, WI 53558
WebsiteLicense: 100194239

Expertise.com Rating

Review Sources

Facebook
5.0 (56)
Google
5.0 (9)

Why choose this provider?

Associated Insurance Agency, Inc., is a full-service insurance provider that has been serving the Madison metro for over 30 years. It serves individuals, families, and commercial entities. It provides homeowners' insurance to clients to cover their homes, other property structures, and other expenses due to a loss. The company also offers other lines of insurance, such as condo, renters', life, auto, and business insurance. As an independent agency, Associated Insurance Agency is partnered with local and national insurance carriers.

  • Homeowners

1633 Thierer Rd, Madison, WI 53704

Expertise.com Rating

Review Sources

Facebook
4.8 (26)
Yelp
5.0 (2)

Why choose this provider?

Vicki Wagener Agency is an American Family Insurance agency in Madison, Wisconsin, that offers home insurance. Established in 2012, Vicki Wagener Agency offers home insurance products that include coverage for damage caused by leaky roofs, fire and smoke, lightning, theft, snow and ice, wind, hail, tornadoes, and power surges. The agency provides all American Family insurance and other financial products, including life, auto, and commercial insurance. Vicki Wagener was American Family agent of the year in 2016 and 2018 and believes in providing dependable protection, flexibility, and service to all her clients.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

137 W Mill St, Columbus, WI 53925

Expertise.com Rating

Review Sources

Facebook
4.7 (38)
Google
4.6 (9)

Why choose this provider?

Anton Insurance is an insurance agency based in Columbus, Wisconsin, serving clients throughout the greater Madison area and from all over the state. Founded in 1994, the firm has extensive experience in the delivery of customized auto insurance solutions to a range of clients, including motorists with multiple cars and businesses with commercial automobiles. As an independent insurance agency, the company offers clients a wide variety of choice for comprehensive coverage policies, making it easy to shop and compare different plans. Anton Insurance also offers home, renters, farm, and recreational vehicle insurance.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

6405 Century Avenue, Middleton, WI 53562

Expertise.com Rating

Review Sources

Google
4.9 (391)
Facebook
4.2 (5)
Yelp
2.0 (1)

Why choose this provider?

Action Insurance Agency is an independent agency near Madison that writes homeowners' insurance policies. The policy serves as a protection for individuals and families in the event that their residence and household possessions are destroyed by fire or other insured disasters. It provides compensation for the replacement of lost or damaged personal properties. Additionally, it covers liability protection against lawsuits from guests who suffered an injury while at the policyholder's home. The company's agents assist clients in determining whether to get a named-perils policy or an all-risk policy.

  • Multiple Policy Types

1001 Fourier Drive Suite 100, Madison, WI 53717
WebsiteLicense: 100195967

Expertise.com Rating

Review Sources

Facebook
5.0 (16)
Google
4.6 (13)
Yelp
3.0 (2)

Why choose this provider?

Thomas Bradley Insurance is an agency that serves clients in the Madison metro. Its homeowners' insurance plans include liability protection and medical coverage for people injured in the insured property, its physical structure after damage due to fire or natural disasters, and loss and repair coverage for theft and vandalism. It also offers automobile, health, and business insurance policies. Thomas Bradley Insurance has been providing its services for 10 years. As an independent agency, it works with various carriers, including Acuity, Integrity, and Wisconsin Mutual.

  • Multiple Policy Types
  • Homeowners

PO Box 46338, Madison, WI 53744
WebsiteLicense: 100192062

Expertise.com Rating

Review Sources

Google
5.0 (59)

Why choose this provider?

The MVP Insurance Agency is an independent agency that caters to homeowners in Madison. Established in 2009, it offers home protection plans from multiple regional and national carriers, such as Foremost and Safeco. For first-time applicants and policyholders, the agency teaches them about different coverage options for repairs, replacement, or reimbursement. This includes medical liabilities, temporary living expenses, and extreme weather repairs. MVP Insurance Agency also specializes in motorcycle insurance for classic models, off-road variants, and ATVs.

  • Renter's Insurance

6602 University Ave, Middleton, WI 53562

Expertise.com Rating

Review Sources

Google
4.6 (16)

Why choose this provider?

Compliance Insurance is an independent, family-owned agency that has served the Madison, Wisconsin, community since 2007. Founders Heather and Mike Wilson are a father and daughter team with over 50 years of experience. Policies include a wide range of providers and comprehensive home insurance options covering natural disasters, repair expenses, personal liability, and damage to personal property. Other products include auto insurance, and the company provides dependable protection against loss. Its agents handle high-risk auto policies with immediate issuance of SR 22 forms. Compliance Insurance also offers snowmobile and watercraft coverage.

  • Renter's Insurance
  • Homeowners

4001 Nakoosa Trl, Ste 103, Madison, WI 53714
WebsiteLicense: 8269955

Expertise.com Rating

Why choose this provider?

Wisconsin Financial Services, Inc., is a Madison-based business that assists clients in several areas, including insurance. It provides protection plans for both homeowners and renters, which cover personal property and liability. The company also offers risk management solutions for car and business owners. In addition to insurance, Wisconsin Financial Services helps clients in the areas of income tax preparation, IRS tax resolutions, and credit repair and education. The family-operated business has been in service since 2008.

  • Multiple Policy Types
  • Homeowners

2045 Atwood Ave # Ave # 113A, Madison, WI 53704

Expertise.com Rating

Review Sources

Google
4.8 (89)
Yelp
5.0 (2)

Why choose this provider?

Prairie Land Insurance Agency operates throughout the Madison, Wisconsin, metro area, consulting clients on home insurance policies and facilitating their negotiation with several providers. Its agents typically structure policies consisting of protections for structural damage, personal injury and liability, and personal belongings. This agency covers a range of property types including single family homes and condominiums as well as motor homes and rental properties. Renters insurance is available to clients who have belongings inside their leased property and need coverage for cases of natural disaster, fire, or burglary. Prairie Land Insurance Agency also sells coverage for automobiles and watercraft.

  • Renter's Insurance
  • Flood
  • Personal Property Insurance

6405 Century Avenue, Middleton, WI 53562
WebsiteLicense: 100193619

Expertise.com Rating

Review Sources

Google
4.9 (518)
Facebook
4.9 (148)
Yelp
4.0 (4)

Why choose this provider?

Cliff Insurance Agency is an independent company that provides risk management solutions for residents in Madison. Covered in its services is home insurance which reimburses losses in cases of theft or natural disasters. The agency also furnishes policies that package home insurance with auto insurance. It has access to plans from various providers, including Liberty Mutual and Progressive. Prior to acquiring Wilson-Boylan Insurance Agency that is now Cliff Insurance Agency in 2013, company owner Dennis Cliff worked at MetLife for nearly 10 years.

  • Homeowners
  • Multiple Carriers
  • Flood

2211 Cranston Road, Beloit, WI 53511

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Alongi Santas Moss Insurance Agency is a full-service homeowners insurance broker based in Madison. In business for over six decades, the company partners with a wide variety of insurance carriers to ensure cost-effective plans that provide optimal coverage. Alongi Santas Moss offers homeowners insurance policies that generally include protection for damage caused by water back-ups, fires, and vandalism, as well as personal liability for visitors who are injured on the premises. Additionally, the business offers separate policies for earthquakes and interior flooding.

  • Renter's Insurance
  • Flood
  • Earthquake

801 Atlas Avenue Suite 105, Madison, WI 53714
WebsiteLicense: 16696453

Expertise.com Rating

Why choose this provider?

Tyler Peterson is a State Farm insurance agent serving clients in Madison and the surrounding areas. He offers homeowners' insurance that provides protection for clients' homes and their personal belongings from unexpected events. Peterson also provides insurance products for automobiles, properties, and businesses. As a result of his nine years of experience as a State Farm agent, he has acquired an understanding of the risks of everyday life and the importance of having the right coverage to avoid financial losses.

  • Homeowners

Madison, WI

Expertise.com Rating

Review Sources

Google
5.0 (148)
Facebook
5.0 (53)
Yelp
5.0 (2)

Why choose this provider?

Based in Madison, Nick Oldenburg- State Farm Insurance Agent assists first-time homebuyers and long-term homeowners with obtaining and updating policies. The company's homeowners plans typically provide coverage for damages due to fire, property loss due to theft, liability in the event of injury on a policy holder's property, and damage caused by severe weather. Additionally, the agency's website features a secure portal for clients to file claims and make payments.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

425 Grand Canyon Drive, Madison, WI 53719
WebsiteLicense: 8511929

Expertise.com Rating

Review Sources

Google
5.0 (15)
Yelp
5.0 (1)

Why choose this provider?

Michael Wegner is a State Farm insurance agent who handles clients in Madison, Middleton, Verona, and Dane County. Michael has been with State Farm since 2001, beginning as a field specialist for the agency, an agency intern four years later, and finally as an owner of an agency in 2006. He offers various insurance products such as home, life, health, auto, property, business, and pet insurance. Clients can also consult him for annuities, investments, and banking needs.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
WIA Insurance
209 South Klein Drive, Waunakee, WI 53597
Affordable Family Insurance
6417 Odana Road, Suite 13, Madison, WI 53719
Associated Insurance Agency, Inc.
4851 Larson Beach Road, McFarland, WI 53558
Vicki Wagener Agency - American Family Insurance
1633 Thierer Rd, Madison, WI 53704
Anton Insurance
137 W Mill St, Columbus, WI 53925
Action Insurance Agency
6405 Century Avenue, Middleton, WI 53562
Thomas Bradley Insurance
1001 Fourier Drive Suite 100, Madison, WI 53717
The MVP Insurance Agency
PO Box 46338, Madison, WI 53744
Compliance Insurance
6602 University Ave, Middleton, WI 53562
Wisconsin Financial Services, Inc
4001 Nakoosa Trl, Ste 103, Madison, WI 53714
Prairie Land Insurance Agency
2045 Atwood Ave # Ave # 113A, Madison, WI 53704
Cliff Insurance Agency
6405 Century Avenue, Middleton, WI 53562
Alongi Santas Moss Insurance Agency
2211 Cranston Road, Beloit, WI 53511
Tyler Peterson
801 Atlas Avenue Suite 105, Madison, WI 53714
Nick Oldenburg - State Farm Insurance Agent
Madison, WI
Michael Wegner
425 Grand Canyon Drive, Madison, WI 53719

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • Do homeowners' insurance agencies in Madison compensate for weather damages?

    Homeowners' insurance agencies in Madison provide compensation for weather-related damages. Although Madison isn't highly susceptible to severe weather occurrences such as tornadoes or earthquakes, it does grapple with property impairment stemming from adverse weather conditions, notably induced by freezing temperatures, hailstorms, and sporadic floods. Generally, homeowners insurance encompasses reparations for harm from frozen pipes, window and roof damage due to hailstorms, and other weather-associated concerns.

  • What are the fundamental coverage options that must be included in a standard homeowners' insurance policy in Madison?

    A standard homeowners' insurance policy in Madison must have building property and home content coverage, liability insurance, and relocation assistance. These include building property coverage, which pays for home and structural repairs post-disaster, home contents coverage for replacing stolen or damaged personal items, liability insurance for covering injury and property damage claims, and relocation assistance, ensuring temporary lodging if the residence becomes uninhabitable due to covered incidents.

  • Do homeowners’ insurance policies cover damaged lines in Madison?

    A standard homeowner's insurance policy in Madison typically does not include compensatory payments for damages to service lines caused by tree roots, animal interference, artificial electrical currents, the weight of vehicles pressing down on the ropes, or even corrosion, rust, and normal wear and tear located under an individual's home—whether it's an underground service and utility line on your property or a public connection. However, some insurance agencies do provide options to obtain additional coverage for such circumstances.

  • What are loss settlement options in homeowners' insurance in Madison?

    Loss settlements options allow homeowners to customize their coverage in Madison. Key choices include replacement cost, extended replacement cost, actual cash value, and guaranteed replacement cost. Replacement cost covers the full expense of replacing damaged items, while extended replacement cost extends coverage beyond policy limits. Actual cash value accounts for depreciation, and guaranteed replacement cost ensures full replacement coverage, even if it exceeds the policy limit, providing comprehensive protection to Madison homeowners.

  • How much do homeowners' insurance companies usually compensate for personal property loss in Madison?

    In Madison, homeowners’ insurance companies usually offer compensation for personal property loss as a percentage of the home's insured limit. This coverage typically falls within the range of 50% to 70%. This means that policyholders can expect to receive financial protection for their belongings, with the exact amount varying depending on their insurance provider and policy terms.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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