Homeowners Insurance in Illinois

Homeowners insurance doesn’t need to be confusing. Compare rates by city and carrier below.

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Find cheap homeowners insurance in Illinois


Home insurance is an optional but important insurance coverage. It keeps your investment insured in the event your house suffers damage from a common incident. A homeowners insurance policy defends your dwelling, attached buildings, and personal property in the event of a variety of calamities, including wind damage, fire, theft, vandalism, and others.

Major discrepancies exist in home insurance costs from state to state. Homeowners prices in states may differ based on the number and cost homeowners policy claims filed statewide, and also on the value of the belongings and home insured on the policy.

The easiest way to acquire affordable homeowners insurance in Illinois is to compare rates and consider policies from as many insurance companies as you can. Get an idea of how much home insurance costs in Illinois via the below breakdown. Individual rates may vary depending on coverage options.


Illinois homeowners insurance:
  1. Rates by company
  2. Rates by city
  3. Bundling discounts


Homeowners insurance prices in Illinois by insurer

Rates for homeowners insurance in Illinois vary depending on the insurance company you use. Liberty offers the best deal on home insurance in Illinois — just $795 per year. This is less than the state average cost of $1,443, providing a $648 price break on average policy costs statewide.

Start your search for a homeowners insurance policy by reviewing the most affordable Illinois carriers, listed below.


HOMEOWNERS INSURANCE RATES IN ILLINOIS: BY CARRIER
Insurance CompanyAverage 12-Month Rate in Illinois
Liberty$795.40
LM General$836.84
Allstate$1,047.11
Erie$1,142.85
AAA$1,171.44


Another insurance company you can consider if Hippo. Hippo offers an online experience which cuts down on overhead and lowers your premium. Click below to get started.



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Illinois home insurance costs by city

Home insurance rates in Illinois vary by city. Policy rates rely on on locally specific variables such as the likelihood of weather-related claims in the area, lending your ZIP code plenty of weight in deciding how much you pay.

The cheapest homeowners insurance in Illinois is available in Aurora. A typical home insurance term in Aurora costs just $1,116 per year — $327 less than the average homeowners policy in other Illinois cities. The below table shows the best places to live in Illinois if you’re looking for cheap homeowners insurance.

AFFORDABLE HOME INSURANCE CITIES IN ILLINOIS
City
Average 12-Month Home Insurance Rate
Aurora
$1,115.68
Orland Park
$1,121.02
Naperville
$1,128.08
Tinley Park
$1,142.02
Mount Prospect
$1,163.86

 

 

Tip: bundle home and auto insurance in Illinois

If you're trying to save, consider holding your car and homeowners policies with the same insurance company. Bundling homeowners and auto insurance in Illinois can lead to substantial savings on your auto insurance bill. Bundling home and auto policies in Illinois leads to average annual savings of $169.

HOME AND AUTO INSURANCE BUNDLING SAVINGS IN ILLINOIS
Avg. 12-Month Auto Insurance Rate (No Bundle)
Avg. 12-Month Auto Insurance Rate (Bundle)
Annual Bundle Savings
Bundle Savings %
$1,202.00
$1,033.00
$169.00
16%

One of the best ways to save on auto insurance is to bundle your policies. Find a policy today!

 

Compare rates from top car insurance companies.

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Insurance for tornadoes in Illinois

Tornadoes can hit with little to no warning. There is little one can do to protect yourself and the results are usually devastating. Therefore, it's vital to insure your home against tornadoes in Illinois, which suffers an average of 54 tornadoes each year.*

Tornado damage is usually the result of wind, so make sure your current homeowners policy has windstorm protection, which is standard in most homeowners policies.

Wind protection provides coverage to a building's exterior and overall structure. However, depending on the type of policy you have, damage to the building's interior may only be covered when it is caused by exterior damage, like a broken window. Detached structures are also covered, generally up to 10% of the home’s insured amount. It's important to remember that some damages the storm causes may not be covered. For example, if the storm that produced the tornado also causes flooding that damages your home, it won’t be covered unless you've sought out flood coverage.

*Source: NOAA'S National Weather Service (https://www.spc.noaa.gov/gis/svrgis/)