Madelyn
2811 Milton Ave, Suite 400, Janesville, WI 53545
View this agency's profile to learn more about their services.
City directory
Janesville households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
2811 Milton Ave, Suite 400, Janesville, WI 53545
View this agency's profile to learn more about their services.
1613 Newman St, Janesville, WI 53545
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Janesville residents.
Janesville home insurance averages $1,172-$1,648/year. Learn about tornado risks, Rock River flooding, and how to protect your Wisconsin home affordably.
Car InsuranceJanesville drivers pay $99/mo on average for auto insurance. Learn Wisconsin's 25/50/10 minimums, I-90/I-39 risks, and how to get better coverage.
Yes, standard homeowners insurance covers tornado damage, including wind and hail damage to your home and belongings. However, you'll need to pay your deductible before coverage kicks in, and if your roof is older or in poor condition, insurers may limit coverage or charge higher premiums. Consider upgrading to impact-resistant roofing materials, which often qualify for discounts.
Absolutely. Standard homeowners insurance does not cover flooding from the Rock River or groundwater. The river has approached flood stage as recently as August 2025, affecting low-lying areas on Janesville's south side. Even if you're not in a high-risk flood zone, a separate flood insurance policy through NFIP or a private insurer can cost just a few hundred dollars annually and protects against potentially catastrophic losses.
Wisconsin homeowners pay significantly less than the national average—typically $1,172 to $1,648 annually compared to $2,423 nationally. For a median-priced Janesville home requiring around $300,000 in dwelling coverage, expect to pay approximately $1,585 per year. However, rates vary based on your home's age, condition, location, and the insurer you choose, with some companies like Erie offering rates as low as $862 annually.
Always choose replacement cost coverage for both your dwelling and personal property. Replacement cost pays to rebuild or replace items at today's prices, while actual cash value deducts depreciation, leaving you significantly short of what you need. For older or historic Janesville homes with unique features, add an extended replacement cost endorsement that provides an extra 25-50% cushion if rebuilding costs exceed estimates.
Beyond your standard policy, consider sewer backup coverage (costs $40-$100 annually and protects against sewage backing up during heavy rainfall), flood insurance if you're near the Rock River, and a personal umbrella policy for an extra $1-2 million in liability coverage at just $150-$300 per year. If you own an older home with unique architectural features, extended replacement cost coverage is essential.
Shop around—rates vary by hundreds of dollars between insurers for identical coverage. Bundle your home and auto insurance for multi-policy discounts, upgrade to impact-resistant roofing, install security and fire detection systems, and increase your deductible if you can afford higher out-of-pocket costs in a claim. Maintaining good credit and staying claims-free also helps keep your rates low over time.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network