Home Insurance in Racine, WI
Explore multiple options for home insurance in Racine so you can find the right coverage for your financial stability.
Nestled along Lake Michigan, Racine has a long history that residents take pride in. Parades are a community staple, and many of the city's approximately 76,500 residents frequently head downtown to enjoy them. Shop with VIU by HUB to find home insurance in Racine that lets you join in the fun while knowing your house is protected.
The population of Racine has been declining steadily, and only about half of its houses are owner-occupied. The average Racine home value is $144,100. which is considerably lower than state averages. That, coupled with lower property crime rates than Wisconsin averages, helps make it an affordable place to call home.
If you like cooler weather, Racine might be an ideal place to call home. According to Best Places. summer highs top out at an average of 80 degrees in July, while winter lows are frequently in the teens and single digits. Those temperatures are accompanied by an average of 40 inches of snow each year, so there is never a lack of winter activities to enjoy.
If you are looking for home insurance in Racine that will protect you against the most common risks, it's a good idea to start with a standard home policy. This typically includes the following coverages:
You may decide to add extra coverage. For example, if you have high-value items, such as an art collection or jewelry, you may want to purchase individual riders for these to extend your personal property protection. You may also choose to include additional living cost insurance, which pays for temporary living costs if your house becomes inhabitable due to a covered loss.
Racine homeowners face some specific risks. For example, while property crimes are lower than state averages, they do still occur. Burglaries and vandalism are common causes of home claims for many people. You can protect yourself and help keep premiums down by installing security features.
There is minimal risk for flooding, fire and wind from severe storms in Racine. However, homeowners do face certain risks associated with the weather. Hail from thunderstorms can damage roofs and siding. In the winter, ice and snow can create problems both directly and indirectly. For example, the weight of ice could cause a tree limb to fall on your home. Freezing temperatures can also pose problems to plumbing, especially if the power is out.
You must review your policy carefully to ensure you have coverage for these and other common risks. Get help from a VIU by HUB agent to find the right policy to protect your Racine home.
The average premium for a Racine homeowners policy is $1,065. That amount is slightly less than state averages and substantially less than national averages. Some of that is thanks to the low risk of natural disasters in the area.
However, multiple factors can impact your premium. You may pay more or less for a policy depending on variables such as your:
Shopping for home insurance in Racine is simple when you get quotes from multiple providers with VIU by HUB. Then you can compare coverage options, limits and policy premiums to find a policy that fits your unique situation.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
