4.5/5 stars Read Reviews
Call Us Now: The days of shopping for Illinois home insurance with multiple agents are over. Compare multiple quotes with our licensed home insurance experts and find the best premium and the most comprehensive coverage available in Illinois. Our top carriers are rated A+ with A.M. Best so you can rest assured knowing your home is protected by a leading company.
The average Illinois home insurance rate in December 2011 was $796.00. It appears that rates have increased since November 2011 when average rates in Illinois were around $785.00. These premiums reflect the annual cost of a standard home policy and do not include flood insurance or earthquake insurance.
Average Premiums for Home Insurance In Illinois |
||||
| Dec 2011 | Nov 2011 | Oct 2011 | Sep 2011 | Aug 2011 |
| $796.00 | $785.00 | $766.00 | $760.00 | $742.00 |
Homeowners insurance discounts are one of the best ways to get a low insurance rate while also maintaining great coverage. Since average home insurance rates in Illinois increased it is important to qualify for all the discounts you can to make sure you aren't overpaying. Packaging your home and auto insurance with one insurance provider can get you savings between 15 and 25 percent. Likewise, you may qualify for additional savings by being claims free or having protection devices (fire and burglar alarms) on your Illinois home.
Standard Illinois Home Insurance Coverages
| A | Dwelling: A standard Illinois homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril |
| B | Other Structures: Other structures such as detached garages or sheds would also be covered under a standard Illinois home insurance policy |
| C | Contents/Personal Property: A Illinois home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings. |
| D | Loss of Use: If your Illinois home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home. |
| E | Personal Liability Protection: In Illinois, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property. |
| F | Medical Payments: Medical Payments coverage, or Illinois MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved. |
Illinois Homeowners Insurance News
- California tops the nation in dog bite claimsThursday, May 17, 2012
- Missouri home insurance rates rising in aftermath of tornadoesWednesday, March 28, 2012
- Insurance damages from tornado outbreak may reach $2BWednesday, March 07, 2012
- Springtime claims at State Farm near $1BFriday, June 03, 2011
- Researchers say many factors contributed to deadly tornadoes Thursday, June 02, 2011
Other Illinois Homeowners Resources:
- Disaster Preparedness Guide- Make sure your home and family is protected.
- See the most popular Frequently Asked Questions by other homeowners.
- Visit the Homeowners Blog to read the latest news affecting homeowners today!
Search for home insurance in your Illinois county:
- Adams
- Alexander
- Bond
- Boone
- Brown
- Bureau
- Calhoun
- Carroll
- Cass
- Champaign
- Christian
- Clark
- Clay
- Clinton
- Coles
- Cook
- Crawford
- Cumberland
- Dekalb
- Dewitt
- Douglas
- Dupage
- Edgar
- Edwards
- Effingham
- Fayette
- Ford
- Franklin
- Fulton
- Gallatin
- Greene
- Grundy
- Hamilton
- Hancock
- Hardin
- Henderson
- Henry
- Iroquois
- Jackson
- Jasper
- Jefferson
- Jersey
- Jo Daviess
- Johnson
- Kane
- Kankakee
- Kendall
- Knox
- La Salle
- Lake
- Lawrence
- Lee
- Livingston
- Logan
- Macon
- Macoupin
- Madison
- Marion
- Marshall
- Mason
- Massac
- Mcdonough
- Mchenry
- Mclean
- Menard
- Mercer
- Monroe
- Montgomery
- Morgan
- Moultrie
- Ogle
- Peoria
- Perry
- Piatt
- Pike
- Pope
- Pulaski
- Putnam
- Randolph
- Richland
- Rock Island
- Saint Clair
- Saline
- Sangamon
- Schuyler
- Scott
- Shelby
- Stark
- Stephenson
- Tazewell
- Union
- Vermilion
- Wabash
- Warren
- Washington
- Wayne
- White
- Whiteside
- Will
- Williamson
- Winnebago
- Woodford
Customer Reviews in Illinois
For additional information about specific insurance laws in Illinois, visit the Illinois Department of Insurance website.
