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Home Insurance in Black River Falls, WI

Happy Husband, Wife, and Child Standing in Front of Their New HomeHaving a safe, secure place that feels like home is an aspiration for every Black River Falls resident. Everyone wants a safe, secure home. But to be a responsible homeowner, and to truly be protected, you need the right homeowners insurance policy.

We provide homeowners insurance from some of the largest insurance providers in the United States that can help you and your family in the event of water backup damage, theft, certain natural disasters and more. And we pride ourselves on having amazing local customer service.

Get a free home insurance quote today and learn more about purchasing homeowners insurance in Black River Falls and throughout Jackson County through Preferred Insurance Agency.

The Best Homeowners Insurance in Black River Falls

The primary advantage of purchasing home insurance with Preferred Insurance Agency of Black River Falls is that we have the unique ability to run insurance quotes with multiple insurance providers, so when it comes to saving money on home insurance in Black River Falls, Preferred Insurance is your best choice when choosing an insurance agency work with.

Our expert insurance agents help you find the best coverage for your home and budget, and make sure you aren’t missing out on any coverage you may need, and they’ll also help you make sure you aren’t paying for things you don’t need.

This is why Preferred Insurance Agency is a top rated home insurance company in Western Wisconsin.

Who Offers the Cheapest Home Insurance in Black River Falls, WI?

The price of a home insurance policy for Jackson County residents is dependent on multiple factors which we will discuss below. However, one mistake people make when purchasing home insurance is they are worried about the fine details of their policy when in fact, saving money on home insurance starts with having multiple insurance companies vying for your business.

When you shop with multiple insurance providers from the get go it makes it easy to save money because you will have a great idea as to which level of homeowners insurance coverage you can get with which company.

Once you have determined which insurance provider can get you the most affordable insurance for the most comprehensive coverage, then you can start going through your insurance quote with a fine toothed comb to determine where you can save even more money on your policy.

What Factors Go Into Determining a Homeowners Insurance Rate?

The average cost of homeowners insurance will vary based on a number of factors, but these are the most common factors insurance companies use to assess risk and determine your rate:

What We Can Cover

Homeowners insurance can protect your home against theft, fire, lawsuits, weather damage, and other covered losses.

Your Belongings

What belongings of yours may need replacement or repair?

Homeowners Insurance Discounts

Special discounts may make your policy more affordable.


Where is your home located? What state, ZIP code, and what is the home insurance claims history of the area?


The materials used to build the house help to determine the price of homeowners insurance. If you’re having a custom home built, additional coverage might be required in order to cover the construction site.

Age of the House

How old is the house, is it old or new? Were there upgrades made on an older home?

Replacement Cost

The replacement cost is the cost of the home if it were to be rebuilt from scratch. Replacement cost is determined by an appraiser who will assess the value of the home.

Swimming Pool

A swimming pool on site may increase your liability coverage to cover possible accidents or injuries.

Home-Based Business

If you operate your business from home, your home insurance premium may increase to help cover the cost of any inventory, business equipment, or supplies required to run your business in case of an accident, damage, or loss.


The type and amount of coverage you desire and how much personal property and liability protection you’re looking for will affect the cost of your home insurance policy.

The best way to determine the cost of your home insurance policy is to discuss your needs with one of the insurance experts at Preferred Insurance Agency of Black River Falls, they will help determine your needs to make sure you are fully covered in the case of any unforeseen circumstances while at the same time, have your financial best interests in mind.

Frequently Asked Questions

What is the Best Home Insurance company in Black River Falls?

As insurance is personal, what suits you may not suit others and vice versa. The best home insurance company will vary depending on your needs. You may want to look for a company that offers competitive rates, unique coverage options and ample discounts, has excellent third party ratings and high overall customer satisfaction.

At Preferred Insurance Agency of Black River Falls, we are an independent insurance agency, so we offer the MOST COMPETITIVE home insurance prices, because we will run you insurance policy with multiple top national insurance companies have multiple quotes for you so we can get you the best coverage for the best price.

We have over 240 five star reviews online because we care about getting Black River Falls residents proper coverage at great prices and we aim to have the best customer service in the insurance business.

How Much Does Home Insurance in Black River Falls, Wisconsin cost?

Your home insurance policy in Wisconsin on average will usually cost you $1090 per year or about $90 per month. It’ll depend on your specific factors, like your claims history, the value of your house, and which coverages you choose. The cost of your insurance is dependent on many of the factors listed above.

How Much Home Insurance Do I Need in Wisconsin?

In the state of Wisconsin, home insurance is not a legal requirement, however in order to protect their asset, your mortgage lender will probably require you to be insured.

When deciding how much coverage to purchase, you may want to consider your home’s rebuilding cost and inventory your personal property and any specialty items that you need coverage for. Considering your liability exposures, like trampolines or pools, is also important. A licensed insurance agent can help you decide how much coverage is right for you.

Preferred Insurance Agency of Black River Falls is one of the Jackson County area’s top rated insurance companies. We have the unique advantage of being able to run your home insurance quote through multiple insurance providers so we can get you the best price for the same home insurance coverage. Visit our contact form for a free quote, call us at (715) 284-5318 or visit us at our office at 10 S Roosevelt Rd, Black River Falls, WI 54615 and we’ll start saving you money on car insurance while at the same time, making sure you’re as protected as possible in the case of unforeseen circumstances.