Why are my Wisconsin Home Insurance Premiums Increasing?

Did you know that weather patterns in other areas of the state—and sometimes even in other areas of the country—can affect your Wisconsin home insurance premiums?  You might notice an increase in your home insurance premiums even if you have not filed a claim.  These increases are caused by severe weather and shared risk.


When severe weather hits the U.S., insurance companies use insurance premiums (paid by individuals like you) to pay claims made by other customers.  If more storms are expected—hence more claims are expected—you may see an increase in your premiums.

Insurance carriers also identify global climate changes and prepare for their effects by raising insurance premiums.  Global warming and La Nina, among other factors, contribute to more severe weather, which leads to more insurance claims, which leads to increased insurance premiums.  The growing population has also been identified as a factor in increasing premiums, in that more people and buildings create an increased chance of insurance claims being filed.

Don’t let this news of increasing premiums bring you down.  Did you know Wisconsin ranks 48th lowest in the United States based on average home insurance premiums (according to the Insurance Information Institute)?  That’s something to feel good about!  

If you are still concerned about your Wisconsin home insurance rates, talk to your knowledgeable Wisconsin insurance agent.  They will be able to help you find the best home insurance policy to fit your needs and your budget.  Our agents at Community Insurance are here to help you!

-Sam

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