Illinois Home Insurance Quotes
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Call Us Now: The days of shopping for Illinois home insurance and dealing with multiple agents are over. Compare multiple quotes from leading providers all with one phone call! Our licensed home insurance experts will help you 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.
Our team of licensed agents will shop for your Illinois home insurance policy and help you get the best rate on the most comprehensive coverage. And we can help you get apples-to-apples comparisons for multiple IL insurance providers.
Get the Best Home Insurance Rates in IL
The average Illinois home insurance rate in April 2013 was $854.00. It appears that rates have decreased since March when average rates in Illinois were around $874.00. This reflects the annual cost of a standard home policy and does not include flood insurance or earthquake insurance.
Average Premiums for Home Insurance In Illinois |
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| Apr 2013 | Mar 2013 | Feb 2013 | Jan 2013 | Dec 2012 |
| $854.00 | $874.00 | $885.00 | $903.00 | $911.00 |
Homeowners insurance discounts are one of the best ways to get a low insurance rate while also maintaining great coverage. Though average home insurance rates in Illinois decreased it is important to qualify for all the discounts you can to make sure you aren't overpaying. Bundling 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 if you haven't filed any claims in the past, or if you've got additional home protection (fire and burglar alarms) for your Illinois home.
Enter your ZIP code in one of the forms above or call 1-877-919-5198 now to start getting Illinois home insurance quotes tailored to your needs. Our agents will work with multiple carriers to get you the best rates for your IL policy. They'll also get every available discount they can for you. Potential discounts include the following:
- Home-auto bundle. Save up to 20% by buying both coverages from the same provider.
- Nonsmokers. Save up to 20% if no one in your households smokes.
- New home. If your home was built within the past 10 years, you could save up to 20%.
- 55 or older, retired. Save up to 20% - certain conditions apply.
- Claims-free. Save up to 20% if you haven't filed any home insurance claims within the past 10 years.
- Alarm systems. Save up to 10% if you have one. You'll need a certificate from your provider.
- Fire/smoke detectors and deadbolt locks also could mean savings.
Discounts vary widely by provider. All discounts aren't available in every state.
See what your neighbors in Illinois are paying
Curious about how much you could save on your home insurance premiums? Here are details of the last five policies written in Illinois by HomeInsurance.com agents.
Premiums vary according to square footage, location, features of the home and other factors.
| Home 1 | Home 2 | Home 3 | Home 4 | Home 5 | |
|---|---|---|---|---|---|
| Premium Amount | $1,312 | $1,070 | $770 | $437 | $1,016 |
| Premium with Auto Discount | $1,115† | $1,070 | $770 | $437 | $1,016 |
| Carrier | Foremost | ASI | ASI | ASI | ASI |
| Zip | 60401 | 60436 | 60084 | 61250 | 60629 |
| Year Built | 2001 | 2005 | 2006 | 1947 | |
| Foundation type | Basement | Basement | Crawl Space | Basement | |
| Lot Size | N/A | N/A | N/A | N/A | N/A |
| Square Feet | N/A | N/A | N/A | N/A | N/A |
| Bedrooms | N/A | N/A | N/A | N/A | N/A |
| Bathrooms | N/A | N/A | N/A | N/A | N/A |
| Discounts | | | | | |
| Primary Heat Source | Central Gas | Central Gas | Central Gas | Central Gas |
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
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California tops the nation in dog bite claimsThursday, May 17, 2012
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Missouri home insurance rates rising in aftermath of tornadoesWednesday, March 28, 2012
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Insurance damages from tornado outbreak may reach $2BWednesday, March 07, 2012
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Springtime claims at State Farm near $1BFriday, June 03, 2011
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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 Illinois homeowners.
- Visit the Homeowners Blog to read the latest news affecting Illinois 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
- Du Page
- 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.
