Madison has 278,001 residents in 128,261 households. We list 5 agencies for inland marine insurance in Madison. Here is what the local numbers say about the cover people here need.

Madison at a glance

5inland marine insurance agencies listed
54%of households rentRenters insurance
$372,900median home valueHome insurance
1980median year homes were builtRebuild cost calculator
12.2%of households have no carAuto insurance

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

Natural hazard risk in Dane County

FEMA rates the overall natural hazard risk in Dane County, where most Madison agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

HailRelatively High
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 Madison
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Madison
Inland floodingRelatively High
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
Winter weatherRelatively High
Strong windRelatively High
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 Madison

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

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 Madison How much liability cover do you need?

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

Where Madison agencies are

Madison agencies we list sit in 5 ZIP codes, mostly in Dane County.

537031 agency
537131 agency
537151 agency
537181 agency
537831 agency

Questions

Inland Marine insurance in Madison

All insurance agencies in Madison · Inland Marine insurance across Wisconsin

Where can I find inland marine insurance in Madison?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does inland marine insurance cover?

Covers goods, tools and equipment while in transit or away from your premises.

Do I need flood insurance in Madison?

FEMA's National Risk Index rates inland flooding risk in Dane County as Relatively High compared with other U.S. 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.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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