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In Illinois, the average annual home insurance premium is $1,056, coming in just below the national number of $1,211 per year. Your home insurance costs could be higher or lower than these figures and will depend on your individual exposures.
The state of Illinois does not mandate homeowners insurance by law. However, if you have a mortgage, lienholder, or additional interest on your property, you'll be required to carry coverage. With Illinois having $1.96 billion paid out for home claims in just one year, it makes sense to have proper protection to avoid major financial loss.
Illinois home insurance carriers look at personal and local risk factors when calculating your premiums. Check out the information Illinois insurance companies use to rate your home policy:
Yes, Illinois has 1,184 independent insurance agencies that can help with home coverage. They shop with local highly rated markets so that you get the best policy for an affordable price.
Your Illinois homeowners insurance will come with standard protection against fire, theft, vandalism, and natural disasters. Coverages are categorized under dwelling value, other structures, personal property, liability, medical payments, and additional living expenses. To save money on home insurance, speak with your adviser about a burglar alarm, an updated roof, and multiple policy discounts.
National average burglary rate 3.76 per 1,000 people
National average home value $269,000
National average home insurance cost $1,211 year
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