How Can I Make My Racine, WI Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Racine, WI covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
Compare Quotes from Top Providers and Save now!
Estimate Appropriate Racine, WI Home Insurance Coverage Levels | Back to Top
| Racine, WI - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| White Oak Ln, Albert St, Valley View Dr, Main St, Viken Ln, Alta Loma Ct, 1st Ave, Saratoga Ct, Mertens Ave, Oak Ct | $178,000 | $160,000 | $150,000-$175,000 | $108,500 | $100,000 | $100,000-$125,000 |
| Davis Pl, Cedar Bend Ave, 23rd St, Mayfair Dr, Gallant Fox Ln, William St, Hunt Club Rd, Deane Blvd, Zachary Dr, Pineview Ct | $268,500 | $240,000 | $300,000-$350,000 | $244,000 | $200,000 | $200,000-$250,000 |
| Partridge Ter, Ostergaard Ave, Meachem St, Rudolph Dr, Oak Forest Dr, Westwood Cir, Happy Hollow Ln, Sandview Ln, Linderman Ave, Reichert Ct | $232,000 | $200,000 | $200,000-$250,000 | $224,000 | $190,000 | $250,000-$300,000 |
| Barbara Dr, Moorland Ave, Gayhart St, Georgia Ave, Dekoven Ave, S Horlick Dr, Berkeley Dr, Eisenhower Dr, William St, Meyer Ct | $127,000 | $120,000 | $100,000-$125,000 | $83,500 | $70,000 | $75,000-$100,000 |
| Yates Rd, St Patrick St, Tower Cir, Deane Blvd, Idlewood Dr, Metron Ct, Lincolnshire Dr, Echo Cir, E Elmwood Dr, Duchess Dr | $159,500 | $150,000 | $150,000-$175,000 | $177,500 | $150,000 | $175,000-$200,000 |
| Liberty St, Regency Dr, Maiden Ln, St Andrews Blvd, Evarit Dr, Fairway Dr, Coronada Dr, Whittier Dr, Ring Neck Ter, Hilldale Dr | $134,000 | $110,000 | $125,000-$150,000 | $129,500 | $120,000 | $100,000-$125,000 |
| Greenbrock Ln, 4th Ave, Crab Tree Ln, 9th St, Perry Ave, Old Pine Cir, 4th St, Mound Ave, Lawn Ave S, Fox Dr | $157,500 | $150,000 | $125,000-$150,000 | $85,500 | $80,000 | $75,000-$100,000 |
| Kenilworth Ave, Thurston Ave, Lockwood Ave, M M, Southwood Dr, de Rose Ct, 25th St, N Oregon St, N Horlick Dr, 22nd St | $161,000 | $130,000 | $125,000-$150,000 | $151,000 | $130,000 | $175,000-$200,000 |
| 10th St, Winthrop Ave, Olive St, S Memorial Dr, Belmar Ave, Maplewood Ct, Wolff St, Harvey Dr, Valerie Ct, Wisconsin Ave | $149,000 | $120,000 | $125,000-$150,000 | $172,000 | $140,000 | $150,000-$175,000 |
| Blake Ave, Jones St, Brook Rd, Hollow Creek Rd, Loni Ln, Wickham Blvd, Augusta St, Kaywood Dr, Worsley Ln, W Branch Trl | $325,000 | $260,000 | $350,000-$400,000 | $226,000 | $210,000 | $200,000-$250,000 |
Estimate your Savings with Home Insurance Discounts in Racine, WI | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$115 | $649 |
| Superior Protection Discount | -$76 | $688 |
| Fire & Security Discount | -$69 | $695 |
| Hail Resistant Roof Discount | -$15 | $749 |
| Newly Constructed Home Discount | -$160 | $604 |
Choose the Right Deductible for your Racine, WI Home | Back to Top
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Racine County | $700 | $651 | $1,351 | $473 | $1,173 | $178 |
| Racine, WI | $1,500 | $755 | $2,255 | $549 | $2,049 | $206 |
| Bohners Lake, WI | $500 | $667 | $1,167 | $485 | $985 | $182 |
| Bayside, WI | $2,000 | $882 | $2,882 | $641 | $2,641 | $241 |
| Linn, WI | $500 | $813 | $1,313 | $591 | $1,091 | $222 |
| Ottawa, WI | $1,500 | $842 | $2,342 | $612 | $2,112 | $230 |
| Riverwoods, IL | $400 | $2,209 | $2,609 | $1,605 | $2,005 | $604 |
| Wheeling, IL | $1,000 | $977 | $1,977 | $710 | $1,710 | $267 |
| Glenview, IL | $100 | $1,342 | $1,442 | $976 | $1,076 | $367 |
| Chemung, IL | $1,000 | $665 | $1,665 | $483 | $1,483 | $182 |
| Evanston, IL | $200 | $1,103 | $1,303 | $801 | $1,001 | $301 |
| Helenville, WI | $2,500 | $665 | $3,165 | $483 | $2,983 | $182 |
Identify Top Home Insurance Agents near Racine, WI | Back to Top
| Home Insurance Company Racine, WI | Homeowners Insurance Agency Racine, WI | Address | Popularity Score | Distance from Racine (miles) |
|---|---|---|---|---|
| Travelers | David Insurance Agency | 1300 South Green Bay Road, Racine, WI, 53406 | 2.2 | |
| Liberty Mutual Independent | Crb Insurance | 1400 Newman Rd, Racine, WI, 53406 | 2.1 | |
| State Farm | Brian Ketterer | 1540 S Green Bay Road, Racine, WI, 53406-4410 | 2.4 | |
| State Farm | Bob Duthie | 9100 Durand Ave, Sturtevant, WI, 53177-2028 | 5.0 | |
| State Farm | Michelle Christensen | 5401 Douglas Ave Ste B, Racine, WI, 53402-2034 | 4.3 | |
| State Farm | Carl Krejcha Jr | 3015 Douglas Ave, Racine, WI, 53402-4188 | 1.9 | |
| State Farm | Jeremy Brown | 2053 Taylor Ave, Racine, WI, 53403-2413 | 1.7 | |
| State Farm | Jerry Werwie | 2622 30th Ave, Kenosha, WI, 53144-1414 | 8.1 | |
| State Farm | Diane Davis | 5200 Washington Ave Ste 100, Racine, WI, 53406-4238 | 1.9 | |
| State Farm | Joe Werwie Jr | 2622 30th Ave, Kenosha, WI, 53144-1414 | 8.1 |
Compare Rates for Racine, WI Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Wisconsin | $169,300 | $685 | $500 | $950 | $450 |
| Racine County, WI | $165,200 | $659 | $440 | $900 | $460 |
| Racine, WI | $104,400 | $764 | $540 | $1,050 | $510 |
| Bohners Lake, WI | $163,100 | $675 | $460 | $940 | $480 |
| Bayside, WI | $341,200 | $893 | $640 | $1,220 | $580 |
| Linn, WI | $288,300 | $823 | $600 | $1,160 | $560 |
| Ottawa, WI | $312,500 | $852 | $620 | $1,180 | $560 |
| Riverwoods, IL | $692,300 | $2,236 | $1,610 | $3,180 | $1,570 |
| Wheeling, IL | $292,000 | $989 | $700 | $1,400 | $700 |
| Glenview, IL | $488,300 | $1,359 | $940 | $1,930 | $990 |
| Chemung, IL | $124,300 | $673 | $490 | $960 | $470 |
| Evanston, IL | $367,300 | $1,116 | $760 | $1,580 | $820 |
| Helenville, WI | $161,800 | $673 | $480 | $940 | $460 |
Research Home Insurance Companies Reviews in Racine, WI Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: September 12, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Premium
I believe our deductible and premium are fair and comparable with other insurance company offerings. We have felt good value from our premiums to this company.
Date: April 05, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Customer Service
State Farm has wonderful customer service. On many occasions, I have had the need to contact my agent on what would be trivial and other times not so trivial matters.
Date: March 04, 2019 Age: Above 60 Gender: Female Marital Status: Married
Customer Service
An automoble ran into the back steps of the house and also damaged the side, no one hurt. The agent came out tookk pictures and submitted the claim . It definiyely was a 5 experience
Travelers Home Insurance Reviews
Date: July 08, 2019 Age: 30 to 39 Gender: Unmarried Marital Status: Female
Customer Service
I GIVE THEM A GOOD RATING BASICALLY BECAUSE I HAVE NEVER HAD TO USE THEM. MY AGENT TAKES EXCELLENT CARE OF MY ACCOUNT.
Date: October 23, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Website/App
I like the ease of use and navigation on the website. I can always find exactly what I need quickly and accurately.
Farm Bureau Home Insurance Reviews
Date: October 17, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
I have a rather modest home, so policies are somewhat standard. I do feel that sometimes we are overpaying for our policy, but it is bundled with a very fair car insurance policy, so i think overall I am still getting a fair deal.
West Bend Mutual Insurance Home Insurance Reviews
Date: November 24, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
Our interactions, although minimal, have been positive. Based on the interactions so far, I would expect to be very satisfied if a bigger incident were to arise. Everyone is always pleasant on the phone and we get a representative right away.
Esurance Home Insurance Reviews
Date: December 31, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
Had a great experience using Esurance. Purchased our first home Dec. 2017 and was unsure of the whole process. They explained everything very clearly and was easy to understand what all was included. We originally had requested a quote for insurance through the bank we got the mortgage with and Esurance was half their cost.
USAA Home Insurance Reviews
Date: October 28, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Communication
I like that they are very friendly and knowledgeable. They are willing to do what it takes to get your needs met.
Liberty Mutual Home Insurance Reviews
Date: January 01, 2020 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
My home insurance company policy offerings compared to others are awesome. I am able to buy did and save money which is always a good thing.
Amica Mutual Insurance Home Insurance Reviews
Date: October 05, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
compared to other insurence companies amica is very satisfied and very useful.