Homeowners Insurance in Illinois

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

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How to get cheap homeowners insurance in Illinois


Homeowners insurance may be optional, but it's important. It helps to protect your belongings in the event your house is damaged. Homeowners insurance defends your home and your items from a number of circumstances, including wind damage, fire, theft, vandalism, and more.

Unlike auto insurance, homeowners insurance isn't controlled by state legislation. Even so, major differences exist in homeowners insurance costs from state to state. Home insurance policy costs by state vary based on the value of — and frequency of — home insurance claims made in that state, and depend on the value of the belongings and property you're covering.

The easiest way to find cheap home insurance in Illinois is to compare rates and consider policies from as many companies as possible. Learn typical homeowners insurance rates in Illinois via the below breakdown. Individual rates may vary depending on coverage options.


Illinois home insurance:
  1. Rates by company
  2. Costs by city
  3. Bundling discounts
  4. FAQs

Homeowners insurance rates in Illinois by insurer

Prices for home insurance in Illinois vary depending on which insurer you use. Liberty offers the best deal on home insurance in Illinois — just $795 per year. This compares favorably to the state average price of $1,443, providing a $648 price break on the state's average rate.

Start shopping for cheap home insurance by reviewing the best Illinois insurance companies, detailed below.


THE CHEAPEST HOMEOWNERS INSURANCE COMPANIES IN ILLINOIS
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

Illinois homeowners insurance by city

Homeowners insurance rates in Illinois differ by city. Policy rates rely on on local variables such as the number of claims filed nearby, meaning your ZIP code could have a major impact on how much you pay.

The cheapest homeowners insurance in Illinois is available in Aurora. An average homeowners insurance policy in Aurora costs just $1,116 annually — $327 less than the average Illinois rate. Reference the below table to see the cheapest cities in Illinois for home insurance.


AFFORDABLE HOME INSURANCE BY CITY IN ILLINOIS
CityAverage Yearly 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

Illinois insurance bundling discounts: home and auto

If you're trying to save on insurance, consider purchasing your home and car insurance policies from the same company. Bundling auto and homeowners insurance in Illinois can save you a substantial sum each month on auto insurance. In fact, bundling policies in Illinois results in a yearly discount of $169.


HOME AND AUTO INSURANCE BUNDLING DISCOUNTS IN ILLINOIS
Avg. Annual Auto Insurance Rate (No Bundle)Avg. Yearly Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,202.00$1,033.00$169.0016%

One of the best ways to save on auto insurance is to bundle your policies. Compare rates today!


Looking for information on homeowners insurance in a specific city?

  1. Chicago

Illinois homeowners insurance FAQs


Does Esurance offer home insurance in Illinois?

Esurance offers home insurance in Illinois as well as renters, auto, and other forms of insurance.

Is homeowners insurance mandatory in Illinois?

Your mortgage company will require you to insure you home.

Is redlining allowed for homeowners insurance in Illinois?

No - redlining, or excluding certain neighbors, is not allowed in Illinois.


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/)




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