Consumer's Guide to Homeowners Insurance

​​​​​​​​​​Last Updated: March 24, 2023

Full version of publication: Consumer's Guide to Homeowners Insurance


The largest single investment most people make is their home. You can protect your home, possessions, and liability with homeowners insurance. Similar coverage is available for those who rent homes or a​partments and those who own condominiums.

This guideexplains ​​​

  • the basic coverages included in homeowners policies
  • the type​​s of policies
  • what you should do if you have a loss
  • Wisconsin Insurance Plan​

To more easily view a glossary term in a PDF within your internet browser, simply hold the CTRL (control) key (or ⌘ key on a Mac) while clicking on the dotted-underlined term​. This will open the glossary in a new window, allowing you to hold your spot within the consumer guide.

Request a Copy by Mail
If you wish to receive a printed version of this guide by mail, click here or call 1-800-236-8517 to request a copy.

File a Complaint
If you have a specific complaint about your insurance, refer it first to the insurance company or agent involved. If you do not receive satisfactory answers, contact the Office of the Commissioner of Insurance (OCI).

  • ​Reach out to OCI (1-800-236-8517, to speak with our staff. If sending an email, please indicate your name and phone number.

  • File a complaint with OCI. You can file a complaint online by clicking here. If you would like to file your complaint by mail, you can download a complaint form in English or Españ​ol.​