Home Insurance in Kenosha, WI
Getting affordable home insurance in Kenosha protects your property and wallet.
Historically a manufacturing and shipping hub, today's Kenosha is a robust community with residents from a variety of backgrounds. It's home to over 99,000 residents, about a quarter of whom are children, making it the fourth-largest Wisconsin city. The average property value is low for the state but has seen moderate appreciation, which means homeowners insurance is more critical than ever. If you need coverage, VIU by HUB can help you find affordable policies.
Positioned near the U.S.-Canada border, Wisconsin is no stranger to cold temperatures. November through April bring snow, with January boasting the highest average snowfall at 12 inches. Summers are relatively wet, and August has the highest average precipitation at 4.05 inches. Unfortunately, Kenosha has seen its share of weather-related disasters, such as hurricane-force winds, severe thunderstorms and tornadoes.
The median household income in Kenosha is $60,219, which is a little lower than the national average but still firmly middle-class. The median home value is $218,463, with more than half of all homes falling between $130,000 and $260,000. About 57% of homes are single-family, and the vast majority are older models, with 85.8% constructed in 1999 or before. Nearly 56% of residents own their homes.
Home insurance steps in when disaster strikes. Major repairs can get incredibly expensive, especially if extreme weather affects a large area. When local contractors get overwhelmed, outside companies come in; this often means skyrocketing prices, since professionals and materials must travel. The good news is that homeowners insurance covers many natural disasters:
Additionally, a good policy will cover fire, including smoke damage, as well as theft and vandalism.
Due to the regular precipitation, Kenosha homes may be at risk for storm damage. Strong winds can uproot trees or break off branches, which can seriously harm homes. Heavy snow is also dangerous, as its weight can collapse weakened roofs and expose interiors to moisture.
Property crimes are also a concern in Kenosha. While the crime rate is lower than the national average, Kenosha residents still face 8.04 thefts and 1.46 burglaries per 1,000 residents. An insurance policy can compensate homeowners for stolen items, including electronics, appliances and jewelry. Companies may also pay to repair damage caused during the break-in.
Location plays a big role in insurance home insurance rates. Insurance companies determine rates based on the degree of risk a customer poses, and certain neighborhoods have greater risks than others.
For instance, Kenosha has a moderate risk of flooding due to its proximity to Lake Michigan. In contrast, Bristol is further away from the water source and has a lower risk of flooding. As a result, a resident of Kenosha may have a higher flood insurance premium.
Kenosha residents can expect to pay an average of $1,172 a year in premiums, slightly above the state average. However, comparing quotes can help homeowners find a lower price.
Homeowners understandably want to save as much money as possible, but skimping on coverage can lead to higher costs in the long run. Fortunately, you can save on home insurance in Kenosha with the help of VIU by HUB. Our tool allows you to compare quotes from multiple providers to find the best deal. That way, you can get the coverage you need without breaking the bank.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
