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Aurora Homeowners Insurance

Your Guide to Homeowners Insurance in Aurora, IL

Find the right homeowners insurance policy for you.

Steve Dahl | March 18, 2020

At one time, Aurora was an ordinary mid-sized manufacturing city, but by 2010, the city’s population had ballooned to 197,899 people. It is now the second-largest city in Illinois. Urban sprawl created a significant house-building boom during the last decade, making this city an active and vibrant area for homeowners, renters, and real estate investors. 

A house is often the most valuable asset a family owns. To protect this valuable investment from loss due to fire, weather, liability claims and more, contact an independent insurance agent. One of these agents can advise you on the amount of coverage you need and can help you compare Aurora, IL homeowners insurance. Find a local agent today to get started protecting your future.

  • National yearly premium average: $1,034
  • Illinois yearly premium average: $881
  • 28th most expensive premium in the US

There are several reasons why homeowners insurance coverage is a wise investment. First and foremost, most mortgage providers require it. The purpose of homeowners insurance is to cover the structure of your home, your personal property, and personal liability. While there is a basic structure to most homeowners policies on the market, you will find that Aurora homeowners insurance quotes vary a great deal from company to company.

If you own one of the many historical homes in Aurora, you may require a historic home insurance policy. Such a policy offers restoration coverage and full replacement options that standard insurance policies do not. Your local agent can discuss your insurance options with you.

Number of Catastrophes in Illinois

  • National number of catastrophes: 19,033
  • Number of catastrophes in Illinois: 618
  • National number of tornadoes: 1,233
  • Number of tornadoes in Illinois: 81
  • National property damage from weather: $5,511,270,000
  • Property damage from weather in Illinois: $255,700,000

Illinois is among the states with the highest number of catastrophes and tornadoes. Your Aurora homeowners insurance policy can cover your home against unexpected damage from Mother Nature, including hail, flood, and fire. Repairs to a home that has experienced a catastrophe can be expensive and many homeowners simply do not have the funds for the needed repairs. Homeowners insurance can help you financially weather the storm after a catastrophe damages your house. An agent can help you with Aurora homeowners insurance quotes and comparisons to determine the policy that is best for you and your home.

Number of Thefts in Illinois:

  • National average for burglaries: 37,814
  • Illinois number of burglaries: 58,237

Illinois has a much higher rate of burglaries that the national average. And like any other city, Aurora has its share of robberies and thefts. Your independent agent can help you sift through Illinois homeowners insurance quotes so that you can choose the policy that is best for you. Homeowners insurance can be a great asset to you when it comes to recovering from various types of loss, but only if you have the right coverage in place. Gain peace of mind knowing you’re fully protected by contacting an agent today.

Vacation Home Insurance

Vacation homes, time-shares, rental properties, and properties used in home exchanges often have specific insurance needs. Believe it or not, one of the most common mistakes people make is to over-insure vacation properties. An agent can help you avoid making that mistake and can present you with a number of vacation house insurance quotes.

Second Home Insurance

If you have a second residence, it’s a good idea to familiarize yourself with insurance options for that property. Second home insurance policies hold additional stipulations, as compared to a policy for your primary residence. For this reason, it’s a good idea to pay attention to the fine print, review your policy thoroughly to find any exclusions that may leave you with a coverage gap, and make sure you have an accurate home inventory for all the items in your second home. 

Contact your local independent agent, who can help you review your current coverage and select from competitive Aurora home insurance quotes with ease.

Now, who's ready to get their insurance problems solved?