Popular QuestionsPopular Questions about Illinois Home Insurance

How much does Illinois home insurance cost? $1,033

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.

illinois home insurance cost chart
What does my Illinois home insurance do for me?

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

  • Example: A tree falls on your house, and rain ruins your 60" Samsung TV.

Pays for someone else's injuries or property damage when it's your fault

  • Example: Your kid is playing baseball and accidentally smacks the ball through your neighbor's window.

Pays for temporary living expenses when your home is damaged

  • Example: You need a hotel while your house's roof is being repaired due to a fallen tree.
Will I actually use my Illinois homeowners insurance?

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.

How is my Illinois homeowners insurance calculated?

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.

Crime:

Even though the crime rate in Illinois is lower than the national average, homeowners still have to be aware of the risk. 

  • Average number of burglaries per 1,000 homes in IL: 3.75
  • Average number of burglaries per 1,000 homes in the U.S.: 4.69

Weather:

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.

  • Number of federally declared disasters since 1953: 60
  • Most common cause of disasters in the state: Severe Storms
  • Average number of tornadoes in the state per year: 54.0
  • Amount paid in home insurance claims in 2016: $1,958,191,000

Home Values:

The estimated cost to rebuild your home will play a large role in how much your home insurance costs. In Illinois, the average home value is slightly lower than the national average, and this helps to keep insurance prices affordable for most residents.

  • Average home value in IL: $186,500
  • Average home value in the US: $188,900
Are there any independent agents in Illinois?

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.

What’s the best insurance company in Illinois?

An independent agent compares policies from multiple companies to find you the best coverage for your needs and budget. Here are some companies our agents will use in Illinois: 

the hanover insurance group
selective
safeco insurance
westfield insurance

InformationFind the Best Insurance in Your City

Now, let's take a quick peek at what’s going on in your city. Insurance companies look at a lot of factors when determining home insurance costs. One of many factors is location. Crime rates, weather catastrophes and the overall cost of your home will also factor into how much your home insurance will cost.

How does your city measure up to the national average?

  • National average home insurance cost – $1,173 / year
  • National average burglary rate per 1,000 homes – 4.69
  • National average home value - $188,900


CityAvg. Yearly Cost for Home InsuranceAvg. Home ValueBurglary Rate per 1,000 Homes
Chicago$1,309$243,9005.34
Aurora$979$176,3002.19
Rockford$889$89,20011.41
Joliet$1,094$174,7003.49
Naperville$1,544$421,4001.21
Springfield$959$131,8009.48
Peoria$953$130,50010.46
Champaign$989$162,0006.32
Bloomington$912$164,6003.75
Decatur$845$78,3008.66
DuPage County$1,329$300,0002.51
Lake County$1,291$264,6002.70
Will County$1,219$224,6002.35
Evanston$1,389$380,3004.41
Schaumburg$1,250$232,5001.95
Orland Park$1,276$291,2400.46
Tinley Park$1,258$235,0401.78
Mt. Vernon$860$78,42012.16
Carbondale$949$127,17812.70
Fox Lake$981$152,7652.65
Cook County$1,244$234,4005.02
Kane County$1,221$232,7003.07

Chicago, IL Home Insurance

The average monthly cost of home insurance in Chicago is $109. Of course, Chicago is a large city, and though the average home value is higher than the state average, your house may be valued significantly higher or lower. This can play a large role in how your rates are calculated. 

Also, the safety of your neighborhood is an important factor in determining costs. The property crime rate in Chicago is higher than the state average, which could increase premiums in some of this city’s ZIP codes. Fortunately, in addition to covering you against weather-related damage to your home, your home insurance policy can provide compensation for loss or damage caused by property crimes.

A local independent insurance agent will make sure you receive the best home insurance to meet your individual needs. It's unlike buying insurance directly through an agent who works for a specific company, since our local agents have the freedom to obtain quotes from multiple companies for you.

Aurora, IL Home Insurance

Residents of Aurora pay an average of $82 per month for their homeowners insurance coverage. Your home insurance could be less or more, depending on several factors like the size of your house, your credit score, your home's building materials, and the crime rate in your ZIP code.

Physical damage to your property can come from a number of incidents and unfortunate scenarios. A fire, a break-in or a bad winter storm can all happen without warning. Your homeowners insurance should cover you against the financial losses brought about by these risks and compensate you in a timely manner.

You can trust an independent agent with all your financial protection needs. Independent insurance agents are expertly trained and experienced at finding the best home insurance policies for homeowners across the country. A local agent in Aurora is ready to help you.

Rockford, IL Home Insurance

On average, homeowners in Rockford pay $75 per month for their home insurance coverage. Your actual rate will be determined by factors unique to you and your house. These may include the age, size, and building materials of your home as well as your claims history and credit score. Talk to an independent insurance agent to receive customized quotes for policies that meet the unique risks you face as a Rockford homeowner.

Your home insurance is designed to cover against property crimes, which is a significant risk in Rockford. It can also protect against many weather-related events. For example, winter weather in Illinois can be intense and devastating to your home. Freezing pipes are not unheard of with such cold temperatures. Talk to your local independent agent for help finding a policy that covers you against all the risks you face as a homeowner in Rockford.

Unlike buying insurance through an agent who works for a specific company, an independent agent has the freedom to provide quotes from multiple companies. Don't you want an advocate on your side who will find you exactly what you need?

Joliet, IL Home Insurance

The average monthly cost of homeowners insurance in Joliet is $91. Take this average with a grain of salt. Because your homeowners insurance depends on unique factors like your home's location and age and your credit score, it can potentially vary significantly from this average rate.

One of the most common threats we see for homeowners in Joliet and the surrounding areas is hail and wind storms. It's more common than you think, especially during those cold and long winter months. Your policy can also cover against other common hazards such as fire, theft, and liability. Protect your finances by purchasing specific coverages and high enough limits against these hazards.

Independent insurance agents have relationships with multiple insurance companies; they aren't tied down to just one carrier. This means they can give you options for policies that vary in coverage limits, prices, and protection. 

Naperville, IL Home Insurance

At an average of $129 per month, Naperville residents pay some of the highest homeowners insurance rates in the state. This is not surprising given the high property values in this area. Your actual rates will be determined by factors such as the value, age, and structure of your home, the number of people who live in it, and whether your property includes a swimming pool or other liability hazard.

In addition to many types of damage to your house, homeowners insurance is designed to cover you against several types of liability claims. These can range from injuries caused by dog bites or intoxicated guests to damage caused by fallen trees. It runs the gamut of potential situations that may occur in or around your home for which you may be sued. To make sure all your bases are covered, team up with an independent insurance agent and learn more.

Don't you want to receive the best home insurance out there? We thought so. An independent insurance agent has the freedom to obtain quotes from multiple companies so you can choose a comprehensive insurance policy that is competitively priced.

Springfield, IL Home Insurance

In Springfield, where the average home value is lower than the state average, residents pay an average of $80 per month for their home insurance coverage. A variety of factors will be used in calculating your actual costs. These include such things as the size of your house, your credit score, your house's building materials, the crime in your area, and, in some cases, the distance of the nearest fire station. Comparing quotes and policies can sometimes be overwhelming, so let a local independent insurance agent walk you through the process.

As the state's capital and the largest city in central Illinois, Springfield has relatively high crime rates. Homeowners should take precautionary steps to protect their property from theft, but sometimes there is nothing you can do to stop a determined burglar. Fortunately, in addition to covering you against the many kinds of weather-related damage common in this city, your homeowners insurance can cover you against loss and damage caused by property crimes.

Finding the right insurance policy doesn’t have to be difficult. An independent agent can help you find a policy that meets your coverage needs and is competitively priced. Find an agent near you to get started. It's a sure-fire way to receive 360 degrees of protection for yourself, your family, and your home.

Peoria, IL Home Insurance

On average, homeowners in Peoria pay $79 per month for their home insurance coverage. Your particular insurance rates will take into account such things as your home's location, age and building materials and information about the residents of your home. Home values in this city are lower-than-average for the state, but the crime rate is rather high. Depending on your actual home value and the crime rate in your ZIP code, your rates may fluctuate significantly from this average.

Home insurance can protect you against property crimes, liability, and most weather-related events. Located right on the Illinois River and Peoria Lake, Peoria has experienced some strong storms that have caused major property damage. Strong winds can happen without warning, so be sure to get proper protection against these risks. Also, if your property is prone to flooding, be aware that flood damage is not covered by home insurance. For that, you will need to supplement your coverage with flood insurance through the NFIP. An independent insurance agent can show you how.

When you buy insurance from a direct or captive insurance agent, you're not receiving a customized and personally designed insurance policy. That's why you need to team up with an independent agent. These local agents will get you an insurance plan that meets your unique needs and comes at a price you can afford

Champaign, IL Home Insurance

The average monthly cost of homeowners insurance in Champaign is $82. Your actual home insurance policy could cost less or more than this average rate, depending on factors like the size of your house, your credit score, your house's building materials, and the crime rate in your ZIP code. 

Homeowners insurance is designed to cover you against property crimes, liability, and most weather-related and accidental damage. However, not all policies are alike. If a fallen tree, burglar or burst pipe caused damage to your property, how would your homeowners insurance respond? If you're unsure, talk to a local independent insurance agent about what coverages and coverage limits you need so you can get properly protected.

Did you know that an independent agent has the freedom to receive quotes from various companies and give you multiple options to choose from? Shopping for coverage with an independent agent is an experience unlike any other and something you won't regret.

Bloomington, IL Home Insurance

Residents of Bloomington pay an average of $76 per month for their homeowners insurance coverage. In this city, where average property values and property crime rates are lower than throughout most of the state, it is not surprising that so too are insurance rates. Your actual costs can vary from this average depending on details about you and your home. Shopping for rates helps you find the right coverage at the best price.

Bloomington home insurance is designed to cover you against loss or damage caused by accidents like fires, liability lawsuits such as if someone is injured on your property, and many weather-related events. If you think your home isn't prone to experiencing damage from harsh winter weather, you're wrong. Extremely cold temperatures, common in this part of the country, can easily cause freezing pipes and water damage. Your local independent insurance agent can help ensure that you are properly covered against all the risks you may face as a homeowner in this city.

An independent agent will make sure you receive the best home insurance for your needs. When you team up with a local, friendly independent agent, you'll receive home insurance that is customized, affordable and comprehensive.

Decatur, IL Home Insurance

The average monthly cost of home insurance in Decatur is $70. Lower property values mean lower coverage needs, and this makes the insurance more affordable for many area homeowners. Factors like your home's size, your previous claim history and your home's building materials and the presence of a trampoline or dog on your property will determine how much you pay to protect your home.

Your home insurance can provide financial compensation for losses caused by most weather-related events, accidental fires or explosions, and liability lawsuits. Additionally, it can cover you against loss or damage resulting from property crimes. Here in Decatur, where the burglary rate exceeds the state average, this coverage is of particular importance.

Unlike an agent who works for a specific company, an independent insurance agent has the freedom to offer quotes from multiple companies. The agent will make sure you receive the best home insurance for your needs and that it comes at a competitive price.