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Directory · Wisconsin · Homeowners

Who writes homeowners in Wisconsin

Ranked by direct premium written in 2024 from the Wisconsin market share report (every company, not a top-N list).

161 companies wrote homeowners in Wisconsin in 2024, $2.38B in direct premium. State Farm Fire and Casualty Company led with 17.5%; the top five hold 47%. 237 companies are licensed for the line.

By Sam Alishahi, independent insurance broker · All lines in Wisconsin

Top 10 · NAIC table: 04 - Homeowners Multiple Peril

The insurer groups that write the most homeowners in Wisconsin

Top 10 insurer groups by direct premium written in 2025, from the NAIC's Market Share Reports for Property/Casualty Groups and Companies by State. A group is the parent and its insurance companies together; share is the group's part of the state total for the line; loss ratio is losses incurred over premium earned.

#Insurer groupPremium writtenShareLoss ratioMember companies here
1American Family Insurance Group$569.9M21.01%58%American Family Mutual Insurance Company, S.I., American Family Connect Property and Casualty Insurance Company, Homesite Insurance Company, American Family Insurance Company
2State Farm Group$503.6M18.57%110%State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
3Auto Owners Group$167.4M6.17%76%Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
4Erie Insurance Group$160.5M5.92%101%Erie Insurance Exchange, Erie Insurance Company, Flagship City Insurance Company, Erie Insurance Company of New York
5Allstate Insurance Group$139.8M5.16%94%Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
6ACUITY, A Mutual Insurance Company$132.0M4.87%106%—
7Farmers Insurance Group$97.2M3.58%53%Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association
8United Serv Automobile Assn Group$91.3M3.36%98%United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
9West Bend Insurance Group$84.5M3.11%72%West Bend Insurance Company
10Liberty Mutual Group$82.4M3.04%47%Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
Homeowners · Wisconsin

The companies

#CompanyNAICHome stateStatus herePremiumShare
1State Farm Fire and Casualty Company25143ILAdmitted (licensed)$416.7M17.48%
2American Family Mutual Insurance Company, S.I.19275WIAdmitted (licensed)$309.5M12.99%
3Auto-Owners Insurance Company18988MIAdmitted (licensed)$137.3M5.76%
4Erie Insurance Company26263PAAdmitted (licensed)$127.7M5.36%
5ACUITY, A Mutual Insurance Company14184WIAdmitted (licensed)$118.9M4.99%
6American Family Insurance Company10386WIAdmitted (licensed)$117.7M4.94%
7Homesite Insurance Company of the Midwest13927WIAdmitted (licensed)$97.3M4.08%
8West Bend Insurance Company15350WIAdmitted (licensed)$83.6M3.51%
9Allstate Vehicle and Property Insurance Company37907ILAdmitted (licensed)$79.1M3.32%
10American Strategic Insurance Corporation10872INAdmitted (licensed)$56.0M2.35%
11Rural Mutual Insurance Company15091WIAdmitted (licensed)$34.9M1.46%
12Travelers Personal Insurance Company38130CTAdmitted (licensed)$32.8M1.38%
13Hanover Insurance Company (The)22292NHAdmitted (licensed)$31.4M1.32%
14Wisconsin Mutual Insurance Company27022WIAdmitted (licensed)$31.1M1.31%
15United Services Automobile Association, USAA Reciprocal, Attorney-in-fact25941TXAdmitted (licensed)$31.1M1.30%
16Safeco Insurance Company of Illinois39012ILAdmitted (licensed)$31.1M1.30%
17Wausau General Insurance Company26425WIAdmitted (licensed)$27.2M1.14%
18Foremost Insurance Company Grand Rapids, Michigan11185MIAdmitted (licensed)$24.3M1.02%
19Integrity Select Insurance Company10288OHAdmitted (licensed)$24.1M1.01%
20Badger Mutual Insurance Company13420WIAdmitted (licensed)$24.0M1.01%
21Germantown Mutual Insurance Company14036WIAdmitted (licensed)$23.9M1.00%
22SECURA Supreme Insurance Company10239WIAdmitted (licensed)$22.8M0.96%
23USAA Casualty Insurance Company25968TXAdmitted (licensed)$22.0M0.92%
24USAA General Indemnity Company18600TXAdmitted (licensed)$18.8M0.79%
25Illinois Farmers Insurance Company21679ILAdmitted (licensed)$16.9M0.71%
26Mutual of Wausau Insurance Corporation11617WIAdmitted (licensed)$16.5M0.69%
27Fire Insurance Exchange Fire Underwriters Association21660CAAdmitted (licensed)$15.8M0.66%
28COUNTRY Mutual Insurance Company20990ILAdmitted (licensed)$15.6M0.65%
29Erie Insurance Exchange26271PAAdmitted (licensed)$15.1M0.63%
30Cincinnati Casualty Company (The)28665OHAdmitted (licensed)$13.3M0.56%
31Auto Club Group Insurance Company21210MIAdmitted (licensed)$12.9M0.54%
32Mt. Morris Mutual Insurance Company10831WIAdmitted (licensed)$12.6M0.53%
33Farmers Insurance Exchange21652CAAdmitted (licensed)$12.2M0.51%
34Safeco Insurance Company of America24740NHAdmitted (licensed)$11.3M0.47%
35Homesite Insurance Company17221MAAdmitted (licensed)$11.1M0.47%
36American Modern Property and Casualty Insurance Company42722OHAdmitted (licensed)$10.6M0.44%
37Hastings Insurance Company14176MIAdmitted (licensed)$9.5M0.40%
38Partners Mutual Insurance Company13439WIAdmitted (licensed)$9.3M0.39%
39Cincinnati Insurance Company (The)10677OHAdmitted (licensed)$8.7M0.37%
40WEA Property & Casualty Insurance Company14550WIAdmitted (licensed)$8.7M0.36%
41Allstate Property and Casualty Insurance Company17230ILAdmitted (licensed)$8.5M0.35%
42Western National Mutual Insurance Company15377MNAdmitted (licensed)$7.9M0.33%
43Garrison Property and Casualty Insurance Company21253TXAdmitted (licensed)$7.8M0.33%
44Allstate Indemnity Company19240ILAdmitted (licensed)$7.3M0.31%
45Allstate Insurance Company19232ILAdmitted (licensed)$6.9M0.29%
46McMillan-Warner Mutual Insurance Company11036WIAdmitted (licensed)$6.8M0.29%
47Chubb Indemnity Insurance Company12777NYAdmitted (licensed)$6.5M0.27%
48Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact12873FLAdmitted (licensed)$6.5M0.27%
49Selective Insurance Company of South Carolina19259INAdmitted (licensed)$6.5M0.27%
50Nationwide General Insurance Company23760OHAdmitted (licensed)$6.5M0.27%
51Amica Mutual Insurance Company, The19976RIAdmitted (licensed)$6.2M0.26%
52ECONOMY FIRE \u0026 CASUALTY COMPANY22926ILAdmitted (licensed)$6.1M0.26%
53Travelers Home and Marine Insurance Company (The)27998CTAdmitted (licensed)$6.0M0.25%
54Artisan and Truckers Casualty Company10194WIAdmitted (licensed)$5.5M0.23%
55Wadena Insurance Company12528IAAdmitted (licensed)$5.5M0.23%
56Integon National Insurance Company29742ILAdmitted (licensed)$5.5M0.23%
57MS Transverse Insurance Company21075TXAdmitted (licensed)$5.3M0.22%
58MICO Insurance Company40932OHAdmitted (licensed)$5.3M0.22%
59Spinnaker Insurance Company24376ILAdmitted (licensed)$5.2M0.22%
60Lemonade Insurance Company16023NYAdmitted (licensed)$4.6M0.19%
61Wilson Mutual Insurance Company19950OHAdmitted (licensed)$4.6M0.19%
62Trumbull Insurance Company27120CTAdmitted (licensed)$4.5M0.19%
63Farmers Property and Casualty Insurance Company26298RIAdmitted (licensed)$4.5M0.19%
64Rockford Mutual Insurance Company27065ILAdmitted (licensed)$4.5M0.19%
65American Bankers Insurance Company of Florida10111FLAdmitted (licensed)$4.1M0.17%
66Atlantic States Insurance Company22586PAAdmitted (licensed)$4.1M0.17%
67IMT Insurance Company14257IAAdmitted (licensed)$4.1M0.17%
68Pacific Indemnity Company20346DEAdmitted (licensed)$4.0M0.17%
69River Valley Mutual Insurance Company11607WIAdmitted (licensed)$3.9M0.16%
70Farmers Direct Property and Casualty Insurance Company25321RIAdmitted (licensed)$3.8M0.16%
71Liberty Mutual Fire Insurance Company23035WIAdmitted (licensed)$3.7M0.15%
72Maple Valley Mutual Insurance Company31780WIAdmitted (licensed)$3.6M0.15%
73Great Northern Insurance Company20303INAdmitted (licensed)$3.6M0.15%
74Integrity Property and Casualty Insurance Company12986OHAdmitted (licensed)$3.5M0.15%
75Nationwide Insurance Company of America25453OHAdmitted (licensed)$3.5M0.15%
76L M Insurance Corporation33600ILAdmitted (licensed)$3.5M0.14%
77Rock Ridge Insurance Company11089TXAdmitted (licensed)$3.4M0.14%
78Integon Indemnity Corporation22772ILAdmitted (licensed)$3.3M0.14%
79North Star Mutual Insurance Company14850MNAdmitted (licensed)$3.1M0.13%
80AIG Property Casualty Company19402ILAdmitted (licensed)$3.0M0.13%
81Eagle Point Mutual Insurance Company11767WIAdmitted (licensed)$2.9M0.12%
82Standard Fire Insurance Company (The)19070CTAdmitted (licensed)$2.8M0.12%
83Peerless Indemnity Insurance Company18333ILAdmitted (licensed)$2.8M0.12%
84Federal Insurance Company20281INAdmitted (licensed)$2.5M0.11%
85Nutmeg Insurance Company39608CTAdmitted (licensed)$2.5M0.11%
86Property and Casualty Insurance Company of Hartford34690INAdmitted (licensed)$2.4M0.10%
87Berkley Assurance Company32603DEAdmitted (licensed)$2.2M0.09%
88Liberty Mutual Insurance Company23043MAAdmitted (licensed)$2.2M0.09%
89Executive Risk Indemnity, Inc.35181DEAdmitted (licensed)$2.1M0.09%
90Stillwater Property and Casualty Insurance Company16578NYAdmitted (licensed)$2.0M0.09%
91Allstate North American Insurance Company11110ILAdmitted (licensed)$2.0M0.08%
92Integrity Insurance Company14303OHAdmitted (licensed)$2.0M0.08%
93American National Property and Casualty Company28401NEAdmitted (licensed)$1.9M0.08%
94Foremost Property and Casualty Insurance Company11800MIAdmitted (licensed)$1.7M0.07%
95Main Street America Protection Insurance Company13026FLAdmitted (licensed)$1.7M0.07%
96Sugar Creek Mutual Insurance Company11713WIAdmitted (licensed)$1.5M0.06%
97Teachers Insurance Company22683ILAdmitted (licensed)$1.4M0.06%
98Economy Premier Assurance Company40649ILAdmitted (licensed)$1.3M0.06%
99Wisconsin River Mutual Insurance Company11741WIAdmitted (licensed)$1.3M0.06%
100Nationwide Mutual Insurance Company23787OHAdmitted (licensed)$1.3M0.06%
101Donegal Mutual Insurance Company13692PAAdmitted (licensed)$1.2M0.05%
102AmGUARD Insurance Company42390NEAdmitted (licensed)$1.1M0.05%
103Hartford Casualty Insurance Company29424INAdmitted (licensed)$940,2720.04%
104Markel American Insurance Company28932VAAdmitted (licensed)$940,1880.04%
105Hartford Insurance Company of the Midwest37478INAdmitted (licensed)$930,7290.04%
106Reedsburg-Westfield Mutual Insurance Company11726WIAdmitted (licensed)$865,8850.04%
107Chubb National Insurance Company10052INAdmitted (licensed)$857,6440.04%
108Forward Mutual Insurance Company11387WIAdmitted (licensed)$828,3450.03%
109Truck Insurance Exchange21709CAAdmitted (licensed)$712,5030.03%
110Theresa Mutual Insurance Company11658WIAdmitted (licensed)$631,9080.03%
111Pioneer Specialty Insurance Company40312MNAdmitted (licensed)$622,4650.03%
112American Modern Home Insurance Company23469OHAdmitted (licensed)$560,6240.02%
113Tower Hill Prime Insurance Company11027FLAdmitted (licensed)$512,5420.02%
114Armed Forces Insurance Exchange41459KSAdmitted (licensed)$510,2980.02%
115Travelers Property Casualty Insurance Company36161CTAdmitted (licensed)$490,6260.02%
116Bloomington Farmers Mutual Insurance Company11780WIAdmitted (licensed)$477,8980.02%
117SECURA Insurance Company22543WIAdmitted (licensed)$457,5770.02%
118Owners Insurance Company32700OHAdmitted (licensed)$450,4170.02%
119Homesite Indemnity Company20419MAAdmitted (licensed)$423,0770.02%
120Crestbrook Insurance Company18961OHAdmitted (licensed)$388,5400.02%
121Twin City Fire Insurance Company (The)29459INAdmitted (licensed)$382,2010.02%
122Branch Insurance Exchange, Branch Financial, Inc. as Attorney-in-Fact16825OHAdmitted (licensed)$370,5990.02%
123Praetorian Insurance Company37257PAAdmitted (licensed)$368,2870.02%
124Vigilant Insurance Company20397NYAdmitted (licensed)$365,6570.02%
125Midwest Family Mutual Insurance Company23574IAAdmitted (licensed)$353,6960.01%
126Horace Mann Insurance Company22578ILAdmitted (licensed)$340,8430.01%
127Austin Mutual Insurance Company13412FLAdmitted (licensed)$243,9980.01%
128Encompass Indemnity Company15130ILAdmitted (licensed)$210,7990.01%
129Trisura Insurance Company22225OKAdmitted (licensed)$200,2180.01%
130Travelers Indemnity Company of America (The)25666CTAdmitted (licensed)$149,9470.01%
131UNIVERSAL PROPERTY \u0026 CASUALTY INSURANCE COMPANY10861FLAdmitted (licensed)$116,3720.00%
132Westfield Insurance Company24112OHAdmitted (licensed)$110,2200.00%
133Automobile Insurance Company of Hartford, Connecticut (The)19062CTAdmitted (licensed)$68,4860.00%
134Hartford Fire Insurance Company19682CTAdmitted (licensed)$59,5940.00%
135Century-National Insurance Company26905ILAdmitted (licensed)$51,4040.00%
136National General Insurance Company23728ILAdmitted (licensed)$46,1550.00%
137Toggle Insurance Company44245DEAdmitted (licensed)$46,1120.00%
138State Automobile Mutual Insurance Company25135OHAdmitted (licensed)$22,5590.00%
139United States Liability Insurance Company25895NEAdmitted (licensed)$22,1970.00%
140Travelers Casualty and Surety Company19038CTAdmitted (licensed)$21,9630.00%
141Netherlands Insurance Company (The)24171NHAdmitted (licensed)$15,4420.00%
142Pekin Insurance Company24228ILAdmitted (licensed)$9,5920.00%
143Harleysville Insurance Company23582OHAdmitted (licensed)$9,4350.00%
144Blue Ridge Indemnity Company40754DEAdmitted (licensed)$8,7730.00%
145American Security Insurance Company42978DEAdmitted (licensed)$6,0020.00%
146Selective Insurance Company of the Southeast39926INAdmitted (licensed)$5,9740.00%
147National General Assurance Company42447ILAdmitted (licensed)$5,7940.00%
148Nationwide Agribusiness Insurance Company28223IAAdmitted (licensed)$4,9870.00%
149First Chicago Insurance Company13587ILAdmitted (licensed)$4,4790.00%
150Depositors Insurance Company42587IAAdmitted (licensed)$4,2920.00%
151State National Insurance Company, Inc.12831TXAdmitted (licensed)$4,1930.00%
152Motorists Commercial Mutual Insurance Company13331OHAdmitted (licensed)$3,9650.00%
153Affiliated F M Insurance Company10014RIAdmitted (licensed)$3,3350.00%
154Allied Property and Casualty Insurance Company42579IAAdmitted (licensed)$2,8020.00%
155Sutton National Insurance Company25798OKAdmitted (licensed)$2,7070.00%
156AMCO Insurance Company19100IAAdmitted (licensed)$2,5170.00%
157Standard Guaranty Insurance Company42986DEAdmitted (licensed)$1,9670.00%
158National Casualty Company11991OHAdmitted (licensed)$9600.00%
159Country Casualty Insurance Company20982ILAdmitted (licensed)$5040.00%
160Utica Mutual Insurance Company25976NYAdmitted (licensed)$660.00%
161STARR INDEMNITY \u0026 LIABILITY COMPANY38318TXAdmitted (licensed)$80.00%
Turned down?

Last resort for homeowners in Wisconsin

Last resortLinesWhereHow to get in
Property FAIR Plansdwelling fire, homeowners, commercial propertyCA, CO, CT, IL, IN, IA, KS, KY, MN, MO, OH, OR, PA, TX, WI, WV, LA, DE, DC, GA, HI, MD, MA, MI, NJ, NM, NY, NC, RI, VA, FLEach state's plan; California: broker searches the regular market first, registers on the broker portal (cfpnet.com); a DIC wrap is optionalSource
Surplus lines and Lloyd's open marketallall states, under each state's diligent-search rulesThrough surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last stepSource

Method and source

Source: the Wisconsin insurance regulator company list, read 2026-10-18. Admitted = union of two OCI 2025 Wisconsin Insurance Report documents joined by normalized name: Table E market share (every insurer with 2025 WI premium, all 48 lines incl. life/annuity/A&H; gives NAIC code + lines) and the Directory of Licensed Insurers as of 12/31/2025 (gives domicile, company type, year commenced in WI; no NAIC; https://oci.wi.gov/Documents/AboutOCI/2025_WIR_Directory.pdf). Join stats: {'exact': 1249, 'fuzzy': 3, 'unmatched_xlsx': 2, 'directory_rows': 2281, 'table_e_naic': 1254, 'directory_unmatched': 1029}. Rows with naic '' are directory-only (licensed but no 2025 WI premium or name not matched); rows with type '' are Table E only (name not matched to the directory). Type codes: AR=Accredited Reinsurer; CR=Certified Reinsurer; RJR=Reciprocal Jurisdiction Reinsurer; DSL=Domestic Surplus Line; FR=Fraternal Benefit Society; CC=Continuing Care Organization; CMO=Care Management Organization; HMO=Health Maintenance Organization; IRO=Independent Review Organization; LAH=Life and Accident and Health Company; LSP=Life Settlement Provider; RRG=Risk Retention Group; LSHO=Limited Service Health Organization; MC=Motor Club Plan; SCP=Service Contract Provider; PC=Property and Casualty Company; TI=Title Company; TM=Town Mutual of Wisconsin; VPP=Vehicle Protection Plan; WP=Warranty Plan. Filter P&C with type in {PC, RRG, DSL, TM, TI} or lines among the P&C lines (Table E sheets 34-48: FIRE, FARMOWNERS MULTIPLE PERIL, HOMEOWNERS MULTIPLE PERIL, COMMERCIAL MULTIPLE PERIL, MEDICAL MALPRACTICE, WORKERS COMPENSATION, EXCESS WORKERS COMPENSATION, OTHER LIABILITY, PRIVATE PASSENGER AUTO, COMMERCIAL AUTO, FIDELITY, SURETY, CREDIT, MORTGAGE GUARANTY, TITLE; sheet 33 STOP LOSS/EXCESS LOSS; line strings are the sheet titles, which differ slightly from the TOC). Directory also lists non-insurers (SCP, WP, VPP, MC, LSP, IRO, CC, CMO) and reinsurers (AR, CR, RJR); foreign domiciles are blanked. 'since' = year commenced business in WI. Wisconsin publishes no eligible surplus lines list (NRRA home-state rule; NAIC IID list for aliens), so surplus_lines is empty. "Premium" is direct premium written in the state for the year shown; "share" is that company's part of the state total for the line. A company can be licensed for a line and write none of it, and a surplus lines insurer can write a line without a state license for it.

Open to use. Cite "Alishahi Insurance insurance company directory" and link here. CSV · JSON.

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