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What type of insurance do you need?
The average American homeowner pays $1,173 per year for home insurance, but in Illinois, the average annual premium is $1,033. Even though insurance is less expensive for homes in Illinois than it is throughout most of the country, that does not mean you don’t have room for savings. A local independent insurance agent can help you find the right policy at an affordable rate.
Your home insurance gives you a backup plan in case a catastrophe strikes in your neighborhood. Whether it's a fire, heavy winds or a burglary, you're covered if you have a suitable Illinois homeowners insurance policy.
Pays for repairs to your home and your belongings
Pays for someone else's injuries or property damage when it's your fault
Pays for temporary living expenses when your home is damaged
We can’t be 100% certain, but in 2016, insurance companies spent more than $1.96 billion on home insurance claims in Illinois. That's a lot of unfortunate events happening to Illinois homeowners.
Insurance carriers calculate the cost of a home insurance policy by asking "how likely is it that something bad will happen?" The more likely it is that something bad will happen, the more expensive the home insurance policy will be, and vice versa. We call these potential disasters "risk." Let’s take a look at how risky Illinois is compared to the rest of the US.
Even though the crime rate in Illinois is lower than the national average, homeowners still have to be aware of the risk.
Winter weather in Illinois can cause a lot of difficulties for local homeowners. Heavy snows, gusty winds, and severe storms can all play a role in damaging area homes.
Yes! There are currently 1,184 independent agents in Illinois who are ready to help. Did you know that independent insurance agents can give you multiple policy options to choose from? That way, you'll receive completely customized coverage that addresses all of your unique insurance needs.
National average burglary rate 4.69 per 1,000 homes
National average home value $188,900
National average home insurance cost $1,173 year
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