Home Insurance in Janesville, WI
Protect your investment with high-quality home insurance in Janesville, WI.
Janesville has earned the nickname "Wisconsin's Park Place" for its 64 improved parks. Swimming pools, tennis courts and green spaces are just a few amenities these public places offer residents. They stretch across the city, from Happy Hollow Park on Janesville's southern edge to Briarcrest and Sheiffer parks to the north.
More than 65,000 people call Janesville home. If you are one of the 64.1% of residents who own a house, you understand that a good home insurance policy is essential. Whether you live near the Rotary Botanical Gardens, alongside Rock County Fairgrounds or on the banks of Rock River, you can find a custom insurance policy that matches your requirements. VIU by HUB provides home insurance quotes from multiple providers. You can compare companies and policies to find one that protects your home and works for your budget.
Janesville has a continental climate. Summers are relatively pleasant with moderate humidity; the July average high temperature is 83 degrees. Winters are cold and snowy. Occasionally, the area gets blizzards and winter storms. Homeowners need to be aware of the risks of bad weather.
Janesville averages 34 inches of snow annually, higher than the national average of 28 inches. The city has freezing temperatures on many days between October and April.
Heavy, packed snow can cause your roof to weaken or collapse. Melting snow can freeze again near the roof's edge and create ice dams. They can block gutters and create standing water that leaks into your home.
Extended spells of freezing temperatures can cause your pipes to burst. As water freezes, it expands, and the increased pressure can be too much for your plumbing. Pipes near exterior walls are especially vulnerable to bursting.
Late spring and early summer are when most storms occur in Janesville. While Wisconsin averages only about 23 tornadoes yearly. they can damage or destroy structures if they hit a populated area.
High winds, heavy rain and hail can accompany thunderstorms. Heavy winds can knock limbs from trees and blow over patio furniture. Hail can damage roofs and siding, especially when paired with strong winds. Sustained heavy rain can soften the ground and cause trees to fall.
Home insurance in Janesville, WI, helps you cover weather perils. Hail, lightning strikes, burst pipes and roof damage are part of a standard policy. Flood insurance is a separate type of insurance. However, you can purchase water backup coverage with your home insurance for sump pump failures, blocked drains and similar damage.
Janesville has a higher property crime rate than the state and national averages. This statistic means that the city's residents may have a higher risk of experiencing crimes such as burglary, vandalism and trespassing. Fortunately, home insurance policies cover these perils.
Janesville homeowners pay an average of $1,090 annually for a standard policy, which is lower than the state and national averages. However, rates vary based on where you live. In Milwaukee, a densely populated area with a higher crime rate, residents pay $1,165 annually. Neenah is a smaller city with a lower crime rate. Its rates average $990 yearly.
With so many variables going into your insurance cost, it's a good idea to compare rates before you buy. VIU by HUB has online tools that let you compare different insurers and find the policy that matches your requirements. Comparing policies ensures you choose the right home insurance in Janesville, WI.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
