Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Milwaukee

Our Recommended Top 20

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Milwaukee 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.

362Reviewed

225Curated

20Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1245 Cheyenne Ave Ste 102, Grafton, WI 53024

Expertise.com Rating

Review Sources

Google
4.9 (59)
Facebook
4.7 (44)

Why choose this provider?

Insurance Innovations is a team of independent agents serving the Milwaukee area. They offer a number of products, including home insurance. The risk management specialists furnish plans that reimburse expenses to repair and replace damaged attached and unattached structures in cases of fire, wind, or fallen trees. They also provide policies that cover additional living expenses. Progressive, Kemper, and Travelers are some of Insurance Innovations' partner carriers. It was established in 2012 by Tim Chopp, who has more than 35 years of experience.

  • Multiple Policy Types

2430 South 28th Street, Milwaukee, WI 53215
WebsiteLicense: 15085302

Expertise.com Rating

Review Sources

Facebook
5.0 (31)
Google
5.0 (12)

Why choose this provider?

1201 Insurance Services Inc. consists of English and Spanish-speaking specialists serving the Milwaukee community. The agency offers insurance products, including homes, businesses, and auto. It also handles Mexican auto insurance and SR-22 certification. Founder Maria L. Ramirez has been an independent insurance producer since 2011. With the understanding that insurance can be scary, she builds relationships with clients and understands their specifics needs to provide sound coverages. One customer appreciated Ramirez for being patient in answering questions and for helping find the right coverage.

  • Condos

2059 South Muskego Avenue, Milwaukee, WI 53204

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Google
5.0 (6)

Why choose this provider?

Alianza Insurance Services, LLC, serves the locals in the Milwaukee metro and the surrounding areas. The agency provides homeowners' insurance, as well as policies for condos, renters, and rental properties. It also provides protection for various types of vehicles such as motorcycles, whether they are new or used, and businesses. Its commercial insurance lines cover business owners, workers' compensation, and commercial general liability, property, and auto. Alianza Insurance Services is an independent agency staffed by bilingual agents who can accommodate Spanish-speaking clients.

  • Renter's Insurance

4136 N Main St, Racine, WI 53402

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

KK Premier Insurance Agency, LLC, offers risk management solutions to homeowners in Milwaukee. These policies guard against theft, damage, and loss due to severe weather conditions. These also include coverage for injuries suffered by visitors and umbrella plans that extend to contingencies involving vehicles and legal expenses. The company's other products are individual life, homeowners insurance, and rental dwelling. KK Premier Insurance is an independent firm that has clients ranging from business owners to employees.

  • Homeowners Insurance
  • Rental Dwelling
  • Renter's Insurance

1410 E Capitol Drive, Milwaukee, WI 53211
WebsiteLicense: 6499173

Expertise.com Rating

Review Sources

Google
4.2 (34)
Yelp
2.0 (7)

Why choose this provider?

Diana Kostal is a State Farm insurance agent that serves clients across the Milwaukee metro. She offers homeowners' insurance solutions and educates clients on further protection through personal property coverage. Kostal also deals with other insurance products, including auto, life, and health insurance. Business owners can opt for specific policies like builders' risk, commercial auto, and worker's compensation insurance. Kostal has over 30 years of experience in the insurance industry.

  • Homeowners

13620 W Capitol Dr Ste F, Brookfield, WI 53005

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Review Sources

Facebook
4.8 (27)
Google
4.9 (17)

Why choose this provider?

With more than 20 years working in the insurance industry, Jeff Van Dam founded American Family Insurance in 2013. The independent agency serves individuals and businesses in Milwaukee, Wisconsin, and the surrounding area. One area of specialization is homeowners insurance. American Family Insurance works with multiple carriers to provide homeowners with a customized package designed to fit the individual's needs. Coverage protects the dwelling and everything in it from events such as theft, vandalism, fire, floods, tornadoes, ice, snow, and falling items. It also includes other's personal injury or property damage while on or as a result of the insured's property.

  • Earthquake
  • Fire
  • Flood

2345 W Ryan Rd, Suite H, Oak Creek, WI 53154
WebsiteLicense: 3001220330

Expertise.com Rating

Why choose this provider?

Bronson Insurance Services LLC caters to homeowners in Milwaukee seeking to protect their properties from damaging fires, tornados, or theft. It assists clients by searching for suitable coverage for primary homes, condominiums, and lake cabins. Its agents advise individuals on the products available on the market and help them sign up for features like additional living expenses or actual cash value. Bronson Insurance Services was started in 2002. It represents various carriers, like Erie, Kemper, Progressive, and Hartford.

  • Multiple Policy Types

2115 E Clairemont Ave Ste 1, Milwaukee, WI 54701
WebsiteLicense: 100192149

Expertise.com Rating

Review Sources

Google
4.8 (40)

Why choose this provider?

Potter Agency Insurance Services is an independent agency serving individuals, families, and businesses in the Milwaukee area. One of its services is helping customers find the right homeowners' insurance for their needs. Its agents tailor a specific package for clients, providing coverage in case of malicious mischief, accidents, weather impact, or loss of use. Additionally, they offer homeowners protection from financial liability if a person gets injured on their property. Other policies include personal umbrella, automobile, flood, earthquake, and jewelry insurance.

  • Multiple Carriers

N14 W23900 Stone Ridge Drive, Waukesha, WI 53188

Expertise.com Rating

Review Sources

Google
4.9 (136)
Yelp
5.0 (5)

Why choose this provider?

Founded in 1975, R & R Insurance Services is an independent insurance agency located in the Milwaukee, Wisconsin, metro area with offices in Waukesha, Appleton, Beaver Dam, Green Bay, and West Bend. Home coverage specialists work with several top-rated national and regional carriers to provide quality protection policies at competitive rates. Common plans cover the dwelling, personal items, temporary living costs, and liability against accidents on the homeowner's property. Additional coverage is available for flood, earthquake, and pet damage. The company also offers insurance for condos, renters, automobiles, and recreational vehicles, such as motorcycles, boats, ATVs, and RVs.

  • Renter's Insurance
  • Condos
  • Earthquake

17450 W. North Ave, Brookfield, WI 53045

Expertise.com Rating

Review Sources

Facebook
4.4 (248)
Google
3.7 (15)
Yelp
3.5 (9)

Why choose this provider?

Shorewest provides financial security solutions to clients throughout Milwaukee. It has been offering homeowners' insurance, automated home valuation, and home financing services since 1946. The company's coverage selection, from risk and replacement cost of homes and contents to personal liability, allows its independent agents to provide plans that fit its clients. Guided by the values his grandfather instilled, John A. Horning founded the company in his home office under the name Wauwatosa Realty. It has since grown into a multi-office operation with 1,000 sales associates.

  • Multiple Policy Types

405 N Calhoun Rd, Suite 203, Brookfield, WI 53005
WebsiteLicense: 100198510

Expertise.com Rating

Why choose this provider?

P & C Insurance Services Inc is an independent agency that assists the residents of Milwaukee in finding protection packages that suit their circumstances. Its agents compare available homemowners' insurance plans from providers like The Hartford, Erie, Foremost, and Badger Mutual. They help look for suitable coverages for single-family homes, multi-family units, and condominiums. In addition, they guide shoppers who are looking for renters' insurance. Auto, life, health, and senior insurance products are also available.

  • Multiple Carriers
  • Personal Property Insurance

4514 W Forest Home Ave, Milwaukee, WI 53219
WebsiteLicense: 3001109546

Expertise.com Rating

Review Sources

Google
4.8 (23)
Facebook
5.0 (22)

Why choose this provider?

American Advantage-TU Agency is an insurance firm that serves clients in Milwaukee. Homeowners can get coverage for damage caused by fire and natural disasters. The company's home insurance also provides compensation for vandalism, stolen personal items, and injuries that occur inside the residence. In addition, clients can get policies for condos, vacation homes, and rental properties. Insurance for vehicles like cars, motorcycles, ATVs, and trucks is available. The firm's business insurance plans covers workers' compensation, vehicle fleets, and contractors.

  • Multiple Carriers

8831 West Greenfield Avenue, Milwaukee, WI 53214

Expertise.com Rating

Review Sources

Google
4.6 (58)
Facebook
5.0 (2)

Why choose this provider?

The Insurance Office is a family-owned and operated business in Milwaukee. It offers a range of insurance products that includes home insurance. Its agents develop insurance plans for homeowners that cover hazards such as theft, vandalism, and fire. Homeowner's liability, dwelling replacement coverage, and property protection are some of the coverages that the insurance professionals can also provide. The team reviews policies from over 40 insurance carriers. Additionally, The Insurance Office also deals with insurance plans for mobile homes and condominiums.

  • Multiple Policy Types

2820 W Ryan Rd., Franklin, WI 53132
WebsiteLicense: 372960

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
5.0 (2)
Yelp
1.0 (1)

Why choose this provider?

Lakeshore Insurance Agency Inc. is an independently owned and operated firm that caters to individuals, families, and businesses in the Milwaukee metro and the surrounding areas. It offers homeowners' insurance policies, helping clients protect their properties and personal belongings from damage and accidents. It also provides auto, health, life, professional liability, recreational vehicle, and workers' compensation insurance plans. Lakeshore Insurance Agency has been in operation since 1996. It is a member of the Professional Insurance Agents.

137 S Cross St, Suite 1A, Oconomowoc, WI 53066
WebsiteLicense: 7558170

Expertise.com Rating

Why choose this provider?

Long & Company, Inc., addresses the insurance needs of individuals and families in Milwaukee and nearby areas. It offers a wide selection of personal protection products, helping clients obtain homeowners' insurance. The independent company furnishes liability, personal belongings, and additional living expense coverage plans. Its agents also process renters', auto, motorcycle, flood, and condominium insurance. They work with various carriers, including West Bend, Travelers, Progressive, and Liberty Mutual. Long & Company has been in operation for eight years.

  • Fire

8340 W Appleton Ave, Ste 400, Milwaukee, WI 53218

Expertise.com Rating

Review Sources

Google
5.0 (10)

Why choose this provider?

Allstar Insurance is an independent agency that caters to individuals, families, and businesses in Milwaukee and the surrounding areas. It offers homeowners' insurance policies, which protect properties against fire and storm damage and theft. Its team also customizes commercial insurance solutions, such as group health, general liability, workers' compensation, disability, and business auto insurance. Allstar provides motorcycle, snowmobile, all-terrain vehicle, recreational vehicle, and boat insurance options. Term life and whole life insurance plans are also available.

  • Renter's Insurance
  • Condos
  • Multiple Policy Types

7431 West Coldspring Road, Greenfield, WI 53220

Expertise.com Rating

Review Sources

Google
4.5 (13)
Facebook
3.5 (3)
Yelp
5.0 (1)

Why choose this provider?

The House of Insurance has been serving individuals and families in Milwaukee for over two decades. It provides a personalized homeowers' insurance program that helps clients avoid financial burdens due to unexpected accidents. It also guides clients make informed decisions in selecting proper coverage for their assets. The business provides an added layer of protection to clients living in antique or historic homes. In addition, it helps customers acquire special coverage for their prized possessions such as jewelry collections and fine art collectibles.

  • Multiple Policy Types

PO Box 428, Muskego, WI 53150

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

MKE Insurance is an online Erie Insurance agency that can be reached via online client center, phone, or email. It offers various personal and business products that include homeowners', auto, and life insurance. The agency provides customizable homeowners' insurance that financially protects policyholders from property damage caused by fire or flood and cover collectible cars, wine collections, jewelry, and fine arts collections. MKE Insurance serves clients in and around Milwaukee and those in Illinois.

  • Personal Property Insurance

3920 S 27th St, Milwaukee, WI 53221

Expertise.com Rating

Review Sources

Facebook
4.4 (11)
Google
5.0 (9)

Why choose this provider?

American One Insurance Agency LLC serves individuals and families throughout Milwaukee. It provides homeowner insurance to help customers protect themselves financially in case their properties and belongings get damaged due to fire, wind, or theft. Its team members also customize homeowners' policies for special collections, home business occupancies, special art, and jewelry. Other products include personal auto, business, and life insurance. The agency works with companies like Kemper, MetLife, and Liberty Mutual to find the right coverage for its clients.

4484 N Oakland Ave, Shorewood, WI 53211

Expertise.com Rating

Review Sources

Google
5.0 (302)
Facebook
5.0 (108)

Why choose this provider?

Founded in 1994, Gramoll & Associates is a locally owned and operated independent insurance agency located in Shorewood, Wisconsin, and also serving customers in Arizona, Illinois, Iowa, Minnesota, and Utah. The team has eight licensed associates with a combined 60 years of experience in the insurance industry. Gramoll & Associates provides customized home coverage, and the policies cover dwellings, detached structures, personal belongings, temporary living expenses, and personal liability. Added coverage is available for equipment breakdown, water backup, and siding protection. The agency also offers life, auto, and business insurance services.

  • Renter's Insurance
  • Condos
  • Earthquake

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.
  • Should you include an inflation guard endorsement on your Milwaukee homeowner's insurance?

    It is recommended to do so. With an inflation guard endorsement in place, your homeowner's insurance policy in Milwaukee will be automatically adjusted to reflect the current costs of construction materials and labor due to inflation. The cost of your coverage will be determined at each policy renewal and will not increase at the same rate as inflation. For instance, an 8% increase in inflation may only result in a 4% premium increase.

  • How do homeowners insurance companies pay out claims in Milwaukee?

    Milwaukee homeowners insurance companies may base claim settlement offers on the property's replacement cost or actual cash value, depending on your policy terms. A replacement cost value is compensation based on the cost of repairing or replacing an object of equal or greater value. Actual cash value, on the other hand, is calculated as replacement cost less depreciation on the object.

  • Does homeowners insurance contain off-premises coverage in Milwaukee?

    Most Milwaukee homeowners insurance policies include off-premises coverage. This policy will cover damages or losses to your belongings while in transit, stored in facilities, or at a relative's home, as well as checked luggage, vehicle, and lodging while traveling. Coverage also includes stolen items and damage to your college student's dorm room. The minimum amount of this coverage is typically 10% of your total personal property coverage limit.

  • Is there a penalty for having insufficient coverage on your Milwaukee homeowners insurance?

    A coinsurance clause in a homeowners insurance policy penalizes Milwaukee property owners for carrying insufficient coverage. Maintaining coverage of $400,000, for example, is required if your home is worth $500,000 and your coinsurance requirement is 80%. If the condition is not met, even if your claim is less than the $400,000 maximum, your claim payout will be reduced.

  • Will your homeowners insurance cover your lodging expenses while your Milwaukee home is being repaired?

    While your Milwaukee home is being repaired, your homeowners' insurance policy will cover the costs of temporary housing. In most cases, insurance will cover these expenses up to a certain percentage of the total policy limit, which is usually 20%. However, if you choose to temporarily stay with family or friends, your insurance company will not cover your lodging costs.

  • 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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