Commercial Umbrella Insurance Agencies in Wisconsin

Wisconsin at a glance

• 8commercial umbrella insurance agencies listed
• 32.2%of households rentRenters insurance
• $266,500median home valueHome insurance
• 1975median year homes were builtRebuild cost calculator
• 6.4%of households have no carAuto insurance
• 3.1%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across Wisconsin

How many of Wisconsin’s 72 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

• Strong wind10 of 72 counties

  Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.

  Home insurance in Wisconsin
• Lightning10 of 72 counties

  Fire and lightning are standard covered causes of loss on home policies.

  Home insurance in Wisconsin
• Hail8 of 72 counties

  Very High in Columbia County.

  Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.

  Home insurance in Wisconsin
• Tornado8 of 72 counties

  Very High in Milwaukee County.

  Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.

  Home insurance in Wisconsin
• Winter weather3 of 72 counties

  Very High in Milwaukee County.

• Inland flooding2 of 72 counties

  Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

  Flood insurance in every state

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in Wisconsin

Wisconsin requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $10,000 of property damage liability, often written 25/50/10. It also requires uninsured motorist coverage ($25,000 per person, $50,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in WisconsinHow much liability cover do you need?

Source: oci.wi.gov. Checked 2026-10-24.