Gavop shows you how to buy homeowners insurance in Richland County, WI by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $43,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $67,000 | $60,000 | $75,000-$100,000 |
| 3 Bedroom | $130,500 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $215,000 | $200,000 | $200,000-$250,000 |
| 5 Bedroom | $275,500 | $230,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$118 | $538 |
| Superior Protection Discount | -$59 | $597 |
| Fire & Security Discount | -$66 | $590 |
| Hail Resistant Roof Discount | -$20 | $636 |
| Newly Constructed Home Discount | -$157 | $499 |
| 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 |
| Richland County | $1,500 | $648 | $2,148 | $471 | $1,971 | $177 |
| Richland County, WI | $2,500 | $648 | $3,148 | $471 | $2,971 | $177 |
| Mount Sterling, WI | $100 | $455 | $555 | $331 | $431 | $124 |
| Cobb, WI | $1,000 | $567 | $1,567 | $412 | $1,412 | $155 |
| Delton, WI | $200 | $705 | $905 | $513 | $713 | $193 |
| Coon Valley, WI | $2,500 | $571 | $3,071 | $415 | $2,915 | $156 |
| Orange, WI | $300 | $637 | $937 | $463 | $763 | $174 |
| Beetown, WI | $2,500 | $634 | $3,134 | $461 | $2,961 | $173 |
| Lodi, WI | $400 | $802 | $1,202 | $583 | $983 | $219 |
| Shelby, WI | $2,000 | $716 | $2,716 | $521 | $2,521 | $196 |
| Blanchardville, WI | $100 | $537 | $637 | $391 | $491 | $147 |
| Giard, IA | $700 | $647 | $1,347 | $470 | $1,170 | $177 |
| Home Insurance Company Richland County, WI | Homeowners Insurance Agency Richland County, WI | Address | Popularity Score | Distance from Richland County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Potterton-Rule Inc | 158 N Iowa St, Dodgeville, WI, 53533 | 32.6 | |
| Allstate | Amy Esser | 25 Glacier Edge Square, Cross Plains, WI, 53528 | 44.0 | |
| Liberty Mutual | Jason Guttenberg | 708 Heartland Trail Ste 1800, Madison, WI, 53717 | 50.1 | |
| State Farm | Jim Dietzen | 1844 Us Hwy 18 151 E, Mount Horeb, WI, 53572-2471 | 44.3 | |
| Liberty Mutual | Steven Cunningham | 708 Heartland Trail Ste 1800, Madison, WI, 53717 | 50.1 | |
| Liberty Mutual | Julie Sternal | 708 Heartland Trail Ste 1800, Madison, WI, 53717 | 50.1 | |
| Liberty Mutual | Nicholas Kohal | 708 Heartland Trail Ste 1800, Madison, WI, 53717 | 50.1 | |
| Liberty Mutual | Rebecca Hill | 708 Heartland Trail Ste 1800, Madison, WI, 53717 | 50.1 | |
| State Farm | Jim Marsden | 604 Water Street, Prairie Du Sac, WI, 53578-0100 | 36.5 | |
| Erie | Baer Insurance Services Llc | 1406 Business Hwy 18-151, Mount Horeb, WI, 53572 | 44.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Wisconsin | $169,300 | $685 | $490 | $950 | $460 |
| Richland County, WI | $134,400 | $656 | $450 | $900 | $450 |
| Richland County, WI | $134,400 | $656 | $470 | $900 | $430 |
| Mount Sterling, WI | $81,700 | $461 | $310 | $660 | $350 |
| Cobb, WI | $117,000 | $574 | $400 | $790 | $390 |
| Delton, WI | $188,100 | $714 | $490 | $990 | $500 |
| Coon Valley, WI | $118,800 | $578 | $420 | $800 | $380 |
| Orange, WI | $147,400 | $645 | $460 | $920 | $460 |
| Beetown, WI | $145,800 | $642 | $470 | $880 | $410 |
| Lodi, WI | $277,200 | $812 | $550 | $1,110 | $560 |
| Shelby, WI | $196,100 | $725 | $510 | $1,000 | $490 |
| Blanchardville, WI | $106,700 | $544 | $380 | $780 | $400 |
| Giard, IA | $89,200 | $655 | $450 | $940 | $490 |