Carrigan Insurance – Waukesha Office
379 W Main St, #203, Waukesha, WI 53186
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379 W Main St, #203, Waukesha, WI 53186
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379 W Main St, Waukesha, WI 53186
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25048 Oak View Drive, Waukesha, WI 53189
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S42W25048 Oak View Dr, Waukesha, WI 53189
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W229 N1433 Westwood Drive, Ste 201, Waukesha, WI 53186
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21001 Watertown Rd, #202, Waukesha, WI 53186
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Learn about insurance coverage options specific to Waukesha residents.
Complete guide to auto and home insurance in Waukesha, Wisconsin. Learn about coverage requirements, local costs, weather risks, and finding the right agent.
Home InsuranceWaukesha home insurance averages $3,395/year. Learn about Fox River flood risks, winter damage coverage, and essential policies for Wisconsin homeowners.
Car InsuranceWaukesha drivers pay 10% less than state average. Learn about Wisconsin's 25/50/10 requirements, I-94 corridor risks, and how to get the right coverage.
Wisconsin requires 25/50/10 liability coverage, which means $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 for property damage. You also need uninsured motorist coverage with 25/50 limits. These requirements did not change in 2025.
The average cost for home insurance in Waukesha is $1,591 per year for a $300,000 home with a $500 deductible. This is slightly higher than some other Wisconsin cities. You can reduce this cost by increasing your deductible or bundling with auto insurance.
No. Standard homeowners insurance policies do not cover flood damage. Given that flooding is the number one weather-related insurance risk in Wisconsin, you need a separate flood insurance policy through the National Flood Insurance Program or a private insurer.
Independent agents work with multiple insurance companies and can compare rates and coverage on your behalf. This is especially helpful if you have unique needs or want to shop around without getting quotes from each company individually. Direct agents represent one company, which can be simpler but may limit your options.
Waukesha faces risks from flooding, severe storms, hail, high winds, and tornadoes. Flooding is the biggest concern, as Wisconsin experienced historic flooding in August 2024. Standard policies typically cover wind and hail damage but not flood damage, so a separate flood policy is essential.
The easiest ways to save are: increasing your deductible (from $500 to $2,000 can save 10 percent), bundling auto and home policies, shopping around with multiple insurers, asking about discounts for security systems or newer roofs, and reviewing your coverage annually to avoid paying for unnecessary coverage.
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