Branch Insurance is lowering Wisconsin homeowners insurance rates an average of -20%, effective February 13, 2026 for new business and March 30, 2026 for renewals.
What Branch Announced
In a February 11, 2026 bulletin to appointed Wisconsin agents, Branch announced a -20% average rate improvement on home policies in the state. Along with the rate decrease, Branch removed the future effective date discount from home policies, replacing it with stronger base rates. The bulletin cited Branch's ongoing pricing evaluation as the driver of the change.
Effective dates:
- New business: February 13, 2026
- Renewals: March 30, 2026
Why This Matters for Wisconsin Homeowners
Wisconsin homeowners insurance rates have faced upward pressure over recent years, driven by increased weather-related losses and reinsurance costs that affected carriers nationally. A -20% average reduction from Branch is a meaningful move in the opposite direction and signals that Branch's loss experience in Wisconsin is favorable enough to justify sharper pricing.
For new buyers and homeowners approaching renewal, Branch's adjusted rates make it a stronger candidate on a comparative quote — particularly on bundled home and auto policies, where Branch also announced a simultaneous auto rate decrease.
Related Rate Moves
Branch also cut Wisconsin auto rates -15% with the same new-business effective date. See the Wisconsin auto insurance rate tracker for the full picture.
For the complete history of carrier rate moves on Wisconsin home insurance, see the Wisconsin home insurance rate tracker.
Source: Carrier bulletin from Branch Insurance (agencycommunications@ourbranch.com), February 11, 2026. SERFF filing number not yet confirmed — this post will be updated when the public filing posts.
