Wisconsin renters insurance

Wisconsin renters insurance coverages

Check out the four standard coverages on nearly all Wisconsin renters insurance policies:

• Personal property protects your personal belongings, including furniture, clothing, and electronics whether they're inside your apartment or elsewhere
• Loss of use helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss
• Personal liability protects you financially if you're legally responsible for another person's injuries or damage to their property
• Medical payments to others pays for medical expenses due to a covered occurrence

Additional coverages

The best renters insurance in Wisconsin is always a policy with customized coverage. Here are some extra options for when you need more protection:

• Add a rider: Certain valuable items, like jewelry, may have specific limits on your renters policy. If your item exceeds the limit, you may be able to purchase an endorsement called a rider for your policy to cover the item for its value.
• Personal injury coverage: May pay for legal fees and damages if you're liable for slander or defamation.
• Water back-up coverage: Water that backs up through sewers or drains or discharges from a sump pump may not be covered by a standard renters policy. Water back-up coverage may pay for the damage to your belongings and water removal costs.

Learn more about all of our renters insurance coverages.

Is renters insurance required in Wisconsin?

Renters insurance isn't required by law in Wisconsin, but your rental company or landlord may require you to have renters insurance before you're able to move in. Even if it's not required, renters insurance offers inexpensive protection whether you rent a home, condo, or apartment unit.

Is renters insurance worth it in Wisconsin?

A renters insurance policy offers affordable protection and may cover you and your property in various situations, such as:

• Your paddleboard and bike are stolen from your apartment complex's exterior storage unit. Personal property coverage may pay to replace your equipment, up to your policy's limit.
• Fire damage to your rental home or unit requires you to live elsewhere while repairs are being made. Loss of use coverage may cover your hotel stay and meals, above what you normally spend, up to your coverage limits.
• While visiting your home, your friend trips and breaks their ankle. Medical payments coverage may pay for their medical bills, up to the limits of your coverage.

How much is renters insurance in Wisconsin?

Progressive renters policies in Wisconsin had an average monthly price of $14.37 or $172.43 for an annual policy in 2023.^** Remember that your cost for renters insurance is determined by many factors, including your location, type of residence, and claims history.

Coverage limits can also affect your rate. Use our personal property calculator to help you take an accurate home inventory and help determine the right amount of personal property coverage.

How can I save on renters insurance in Wisconsin

Take advantage of renters insurance discounts to help lower the cost of renters policies in Wisconsin. You can save with Progressive by bundling multiple policies, quoting in advance, paying in full, and living in a secured or gated community.

There may also be discounts that are only available in your state or county. Call 1-866-749-7436 to help ensure you're getting all applicable discounts.

How to quote renters insurance in Wisconsin