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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 policy covers your dwelling and property in the event of an array of circumstances, including wind damage, fire, theft, vandalism, and more.
Unlike car insurance, homeowners insurance isn't priced based on state-level legislation. Even so, major gaps exist in homeowners insurance rates from state to state. Home insurance prices in states vary based on the value of — and frequency of — homeowners claims lodged in that state, and also on the price of the belongings and home you're insuring.
The best way to find an affordable homeowners insurance policy in Illinois is to shop around and compare rates from as many insurers as possible. Learn more about how much home insurance costs in Illinois by referencing the below tables. Remember: your rates will vary, depending on your coverage limits.
Rates for homeowners insurance in Illinois vary based on the insurance company you choose. Liberty offers the cheapest homeowners policies in Illinois — just $795 per year. This is less than the state average cost of $1,443, offering a $648 price cut on average statewide homeowners insurance costs.
Begin your search for a home insurance policy by reviewing the most affordable Illinois carriers, listed below.
|Insurer||Average 12-Month Rate in Illinois|
Not all Illinois cities have equal homeowners insurance rates. Policy rates rely on on city-specific variables, including the number of claims filed nearby, lending your ZIP code plenty of weight in deciding how much you pay.
The best homeowners insurance in Illinois is found in Aurora. A typical homeowners insurance term in Aurora totals just $1,116 each year — $327 less than the average homeowners policy in other Illinois cities. The below cities have the most affordable home insurance in Illinois.
|City||Average 12-Month Home Insurance Rate|
Your chosen level of homeowners coverage impacts the insurance premiums you pay . Homeowners in Illinois who carry $100,000 of dwelling coverage pay an average of $706 per year, while those with dwelling coverage of $400,000 pay around $1,770 per year.
|Coverage Level||Average Annual Premium|
Homeowners have a lot of choices to make when purchasing a homeowners policy, including the amount of their deductible. A homeowners deductible is the amount you are responsible for paying toward a covered loss. The deductible level you choose can have a big impact on home insurance rates.
A good rule of thumb is: the lower your deductible, the higher your premium. As such, if you want lower insurance rates, aim for a higher deductible. Remember that your homeowners deductible should not be set at an amount that you would have difficulty paying in the event of a loss.
Have a look at may of the normal deductibles offered by home insurance companies and an approximation of average premiums.
|Deductible Level||Average Annual Home Insurance Rate|
If you want to save, consider purchasing your home and auto policies from the same insurance company. Bundling auto and home insurance in Illinois can save you a substantial sum each month on car insurance. Purchasing bundled policies in Illinois leads to average annual savings of $169.
|Avg. Yearly Auto Insurance Rate (No Bundle)||Avg. 12-Month Auto Insurance Rate (Bundle)||Annual Bundle Savings||Bundle Savings %|
A great way to save is to bundle your home and auto insurance policies. Get started today!
Looking for info on homeowners insurance in a specific city?
Esurance offers home insurance in Illinois as well as renters, auto, and other forms of insurance.
Your mortgage company will require you to insure you home.
No - redlining, or excluding certain neighbors, is not allowed 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/)