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Consumer's Guide to Homeowners Insurance

​​​​​​​​​​​Last Updated: July 24, 2025​​

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

This guide explains ​​​

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

Order a publication online 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).

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