Champaign Homeowners Insurance

(Find the right homeowners insurance policy for you.)

Written by Steve Dahl
Written by Steve Dahl

Steve is a financial services expert who has dedicated himself to the insurance industry for the last 5+ years. Steve is a key contributor to


Champaign, IL is located in eastern Illinois, just 135 miles south of Chicago. This city has over 60 parks with 654 acres of recreational space. This is a wonderful place to live and work in. If you are looking to settle down and buy a home, Champaign is the perfect place. With a crime rate that is substantially lower than the national average, you will feel safe in this thriving city. However, residents do face a serious disadvantage during the winter months, with severe winter weather. Don’t get caught off guard, make sure you have reliable Champaign homeowners insurance before the next big storm hits.

Navigating the world of homeowners insurance can be challenging, so let an Independent Insurance Agent walk you through the process step by step. There are endless options when looking for the right policy for your budget and all the specific threats you may face. Our knowledgeable agents can find the perfect policy for your home without emptying your bank account.

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

One advantage of living in Illinois is that homeowners insurance rates trend well below the national average. Keep in mind it can still be challenging to find affordable insurance because your specific rate is determined by certain factors. The age, size, and location of your home are all taken into consideration when determining your rate. And risk factors, like pools, aggressive dog breeds, and trampolines, could drive your rate up. Our independent agents are experts who can help you find discounts, such as bundled coverages and security upgrades, to keep your rate manageable.

Champaign Second Home and Vacation Home Insurance

Champaign’s residents enjoy endless acres of recreational land to enjoy. This relaxed way of life makes this city an attractive place to buy a vacation home or investment property. Investment property comes with a unique set of challenges. These homes are often left unsupervised for long periods of time. They are much more vulnerable to theft and vandalism. Our agents can help you find a Champaign home insurance policy that is specifically designed to protect your second home investment.

Number of Thefts in Illinois

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

Statistics show that burglaries are a large problem in Illinois. Despite Champaign’s low crime rate, theft can still happen in its safest of places. Make sure your home has an updated security system and motion lights around all doors. Also, installing deadbolts is a great idea. The best defense is to have a homeowners insurance policy that covers theft. That way, if your property is stolen, you can easily file a claim and get it all replaced.


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Number of Catastrophes in Illinois

  • Number of catastrophes in Illinois: 681
  • Number of tornadoes in Illinois: 81
  • Amount of property damage in Illinois: $255,700,000
  • 1 in 15 insured homes has a claim each year

Each year, residents report massive amounts of property damage in Illinois. Natural disasters are unpredictable and can range from fire and flooding to blizzards and tornadoes. These weather patterns can leave homes damaged and in total disarray. Make sure you have a reliable home insurance plan so you can have the peace of mind that, despite what Mother Nature throws your way, you are covered. 

What Are the Risks in Champaign?

Champaign faces a particularly high risk for tornadoes, with an average of two each year. There have been 117 tornadoes in Champaign since 1950, with many leading to expensive property damage for local homeowners. There’s no way to guarantee that your home won’t be in the path of the next storm, so make sure you’re covered with the best homeowners insurance in advance.

Compare Champaign Home Insurance Quotes

As you begin your search for Champaign homeowners insurance, the most important step is to compare quotes. Before you make any decisions, let our Independent Insurance Agents provide you with quotes on multiple policies. Take your time, and before you commit to a policy, weigh the cost of the premium with the payout it will provide if you need to file a claim. Make sure you take time to weigh the cost and benefits of each option and choose a home insurance plan that offers maximum protection at an affordable price. 

Contact one of our expert agents today and get started on your search for the right policy to protect your home.

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