Homeowners Insurance Quotes

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Illinois Homeowners Insurance Quotes

Are you frustrated looking for the best Illinois homeowners insurance quotes? is here to help. Just fill out the easy quote form above and our teams of licensed agents will get you a free home insurance quote.. Whether you live in the heart of Chicago, in suburbs such as Northbrook or Wilmette, or elsewhere in Illinois, we’ll get you the peace of mind coverage you deserve at an affordable price.

Check our most recent Illinois homeowners insurance quotes!

Are you curious about what your neighbors are paying for homeowners insurance in Illinois? Take a glimpse at the details of the last five policies written in Illinois by agents.

Home 1Home 2Home 3Home 4Home 5
Premium Amount $1,968 $843 $1,360 $913 $843
Premium with Auto Discount$1,673†$717†$1,156†$776†$717†
Carrier Travelers Safeco ASI Travelers Travelers
Zip 61265 60050 62939 60188 61756
Year Built 1958 1989 1972 1993 2003
Foundation type Basement Basement Basement Basement 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

Primary Heat Source Central Electric Central Gas Central Electric Central Gas Central Gas
† Estimate if the homeowner had bundled coverages.

When you are ready to get your own competitive quotes, get started by entering your ZIP code in the form above or by calling us directly at 1-877-919-2740 to get Illinois homeowners insurance quotes tailored to all your insurance needs.

Average Illinois homeowners insurance rates, similar to those in other states, are in constant flux. That means you should always be paying attention to the price you are paying for home insurance and looking for more ways to save. Home insurance experts recommend shopping coverage once a year in order to find the best savings.

Discounts are another easy way to save a lot on your premium. Here are a few discounts you may want to ask about when you call one of our agents:

  • Claims-free: Save up to 20% if you haven't filed any claims within the past 10 years.
  • Home and Auto Bundle: Save up to 20% by bundling your home and auto policies with one provider.
  • New Home: If your home was built within the past 10 years, you could qualify for savings of up to 20%.
  • Security: – Homes that feature items like security alarms, deadbolt locks, and smoke detectors can enjoy savings of up to 10%. These are important even in Chicago, despite a city burglary rate that's lower than the US norm.

Ask about more discounts when you call and get your quote. One of our agents can help you find other price breaks you may be eligible for.

Standard Illinois homeowner insurance coverage

  • Dwelling: In standard Illinois homeowners insurance policies this coverage replaces or repairs your home if it's damaged by a covered peril.
  • Other Structures: Protects structures on your property besides your home such as detached garages, shed, fences, etc.
  • Contents/Personal Property: Covers the personal property inside your home such as electronics, furniture and clothing. If you own expensive items like jewelry, art or other collectibles, you may want to consider adding an endorsement to your policy to cover these items.
  • Loss of Use: In the event your home is uninhabitable due to damage from a covered peril, Loss of Use will kick in and reimburse you for other accommodations and living expenses.
  • Personal Liability Protection: Offers help if someone is injured on your property and plans to sue you.
  • Medical Payments: If someone is injured on your property and doesn't plan to sue, medical payments coverage will offer reimbursement for medical bills.

Illiniois homeowners insurance and flood policies

Even though Chicago was named one of CBS News' Top 10 Safest U.S. cities from Natural Disasters, keep in mind that standard Illinois homeowners insurance policies do not offer coverage for flood damage. Remember all the flood victims in the Northeast when Superstorm Sandy hit in 2012? Many didn't live in flood plains and didn't think they needed flood coverage. The lesson learned there is that every homeowner should at least consider purchasing a flood insurance policy. Homeowners in Illinois can purchase flood policies through the National Flood Insurance Program. Check here to see if your home is located in a flood plain.

Looking for more insurance information for the state of Illinois? Visit the Illinois Department of Insurance website.

AddisonAuroraBedford ParkBellwood
CiceroDecaturDes PlainesDowners Grove
Elk Grove VillageElmhurstElmwood ParkEvergreen Park
Fairview HeightsGlen EllynGlenviewGranite City
HarveyHarwood HeightsHillsideHoffman Estates
ItascaLake ForestLincolnwoodLombard
Loves ParkMedinahMelrose ParkMoline
Mount ProspectNapervilleNilesNorthbrook
Oak ParkPark RidgePeoriaRiver Forest
River GroveRolling MeadowsRomeovilleSchaumburg
Schiller ParkSpringfieldStone ParkVilla Park
WheatonWood Dale