Home Insurance in La Crosse, WI
Protect your biggest investment with home insurance in La Crosse.
La Crosse has three colleges, making the city a vibrant center for healthcare, technology and education. The University of Wisconsin-La Crosse, Western Technical College and Viterbo University have helped the city's reputation as a thriving college town. Many graduates stay in La Crosse, establishing careers and taking advantage of the city's amenities.
If you are one of the nearly 43% of residents who own a home, you understand the importance of protecting it. Whether you live on the Lower North Side, in Powell-Poage-Hamilton or near the Shrine of Our Lady of Guadalupe, safeguarding your property is essential.
The median price for homes in La Crosse is $219,000. lower than the state average. Almost half are single-family residences. These factors may allow more people to invest in a house. You have many options for home insurance in La Crosse. Using the online tools at VIU by HUB can make the task easier. VIU by HUB lets you compare companies and policies, finding the one that meets your needs.
A standard home insurance policy includes coverage for:
You can add coverages such as water backup, jewelry, electronics and excess liability.
Home insurance covers damage from perils such as fire, lightning, storms, vandalism and theft. La Crosse residents are at risk for these hazards.
La Crosse's property crime rate is much higher than the state and national averages. Residents have a 1 in 25 chance of experiencing a property crime, putting homeowners at an increased risk for vandalism, burglary and trespassing.
La Crosse gets a lot more snow than the U.S. average ” 41 inches annually compared to the national average of 28 inches. From December through March, the city can experience temperatures below 0 degrees Fahrenheit.
Heavy, packed snow can weaken or damage your roof, while melting snow and ice can flood the foundation. Ice dams clog gutters and prevent melting snow from running off. Freezing temperatures can cause pipes to burst, especially on exterior walls.
While Wisconsin doesn't get many tornadoes, thunderstorms can strike the area, mainly in the late spring and summer. Lightning, heavy rain, high winds and hail often accompany storms. These events can cause damage to your property by:
Roofs are especially susceptible to storm damage. High winds can loosen shingles or blow limbs and trees into your structure.
The average annual cost of a La Crosse home insurance policy is $1,165. It is higher than the state but lower than the U.S. average. Insurers consider many factors when setting prices, including weather risks and crime rates. Companies determine your premium by age, proximity to a fire station, ZIP code and credit score.
Appleton residents pay about $1,000 yearly for home insurance, while De Pere homeowners spend about $980. Lower crime rates in these cities may influence premiums.
Home insurance in La Crosse can ensure coverage if a peril strikes. Finding the right policy is easy with VIU by HUB. You can look at different policies and insurers to compare prices and features. When you select your policy, you know you have the best coverage for your home.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
