Best Illinois Homeowners Insurance for 2026
Cheap rates, flexible coverage make Allstate our pick for best home insurance
- Allstate’s low rates and flexible coverage options help make it Illinois’ best home insurance company.
- Homeowners insurance in Illinois costs an average of $2,987 a year, or $249 a month.
- Tornadoes and severe storms have made Illinois home insurance more expensive.
- Insurance companies are also making you cover more repair costs out of your own pocket.
Best homeowners insurance companies in Illinois
Allstate’s low rates and flexible coverage options make it Illinois’ best company overall for homeowners insurance. Country Financial has the best customer service, while USAA is the best choice for military families.
Country Financial and USAA have especially good complaint ratings from the National Association of Insurance Commissioners (NAIC)
Best overall: Allstate
Average annual rate: $1,079
Why we chose it: Allstate’s annual home insurance rate of $1,079 a year is 64% less than the state average of $2,987. Its add-on protections for expensive sports equipment, musical instruments and other valuables let you customize your coverage.
Who it’s best for: Value seekers. Allstate offers several discounts that make its low rates even more affordable. Bundling policies is one of them, however, Allstate’s car insurance rates are high. This might reduce some of the savings from its low home rates, though the discount you get for bundling may still make it a good deal.
PROS
- Charges 64% less than state average for home insurance
- Discounts provide additional savings opportunities
- Customizable coverage available for valuables
CONS
- Worse-than-average complaint score
- High auto rate reduces some savings for bundlers
Best customer service: Country Financial
Average annual rate: $3,600
Why we chose it: Country Financial’s 0.1 NAIC complaint rating means it has one-tenth as many claims as average. This means it usually comes through for its customers when it counts.
Who it’s best for: Discerning homeowners. Country Financial’s great customer service doesn’t come cheap. However, the company has several discounts that make its higher-than-average rates more affordable. If you bundle, its cheap car insurance rates help offset its high home insurance prices. Optional extras like service line coverage
PROS
- Excellent NAIC complaint rating
- Optional coverage enhancements for your home
- Low car insurance rates for bundlers
CONS
- Home rate is 21% higher than state average
Best for military families: USAA
Average annual rate: $2,198
Why we chose it: Low rates and good customer service make USAA a solid choice if you meet its eligibility requirements
Who it’s best for: Active service members, veterans and their families. USAA’s affordable standard policies come with a few perks that other companies charge extra for, such as paying to replace belongings that were stolen or damaged in a covered event with brand-new ones. If you’re on active duty, USAA also covers your military equipment and uniforms with no deductible.
PROS
- Home insurance rate 26% less than state average
- Great complaint score
- Replaces your belongings with new items
CONS
- Only available to the military community
- Auto rates are higher than the state average
Compare home insurance rates and ratings in Illinois
Rates always vary by customer. Be sure to compare home insurance quotes from multiple companies to find the cheapest rate for your situation.
| Company | Annual rate* | LendingTree score | Complaint rating* | |
|---|---|---|---|---|
| Allstate | $1,079 | | 1.2 |
 | State Farm | $1,759 | | 1.4 |
 | Farmers | $2,840 |  | 0.7 |
 | Progressive | $3,059 | | 1.8 |
| Country Financial | $3,600 | | 0.1 |
 | Auto-Owners | $3,751 | | 0.5 |
 | Erie | $3,797 | | 0.5 |
 | American Family | $4,801 | | 0.4 |
| USAA** | $2,198 | | 0.5 |
*Premiums are a statewide average based on $400,000 of coverage. Complaint ratings are from the National Association of Insurance Commissioners (NAIC), based on the 2025 Complaint Index. A lower score is better. A score of 1.0 is average for a company of that size.
**USAA is only available to current and former military service members, their spouses, children of USAA members and certain federal employees. Chubb only focuses on high-value homes.
LendingTree analyzed thousands of quotes from top insurers across Illinois to identify the best options for homeowners.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in the state.
See full methodology.
How much is home insurance in Illinois?
Home insurance in Illinois costs an average of $2,987 a year, or $249 a month. This is 14% higher than the national average of $2,628 a year.
The actual price you pay for home insurance depends on factors like:
- Your credit and insurance history
- Your home’s location and construction features
The amount of dwelling coverage
You usually need to insure your home at its replacement value
Insurance rates by dwelling coverage
| Insurance company | $300,000 coverage | $400,000 coverage | $550,000 coverage | $750,000 coverage |
|---|---|---|---|---|
| Allstate | $1,006 | $1,079 | $1,236 | $1,494 |
| Country Financial | $2,983 | $3,600 | $4,798 | $6,295 |
| USAA* | $1,837 | $2,198 | $2,697 | $3,080 |
| State average | $2,489 | $2,987 | $3,695 | $4,635 |
Insurance companies can help you estimate your home’s replacement value. You just have to provide a few details about your home, including its:
- Square footage
- Build year
- Foundation type
- Roof type
- Siding and roofing materials
- Countertop, cabinet and flooring materials
You can find most of this information by looking up your home on your county assessor’s website. It’s also usually available in your home’s inspection report.
Home insurance rates in Illinois by city
Where you live also has a big impact on your home insurance rate. Home insurance usually costs more in areas exposed to severe weather like wind and hail. High crime rates can also drive up a location’s insurance prices.
At $2,542 a year, Oak Brook has the cheapest home insurance among Illinois’ cities, towns and villages. Meanwhile, Thebes has the state’s most expensive home insurance at $3,845 a year.
In Chicago, home insurance costs an average of $3,426 a year, which is 15% higher than the state average.
| City | Annual Rate |
|---|---|
| Abingdon | $2,834 |
| Adair | $3,029 |
| Addieville | $3,243 |
| Addison | $2,612 |
| Albany | $2,769 |
| Albers | $3,181 |
| Albion | $3,444 |
| Aledo | $3,018 |
| Alexander | $3,008 |
| Alexis | $2,991 |
| Algonquin | $2,698 |
| Allendale | $3,392 |
| Allerton | $3,072 |
| Alorton | $3,228 |
| Alpha | $2,997 |
| Alsey | $3,097 |
| Alsip | $2,848 |
| Altamont | $2,971 |
| Alto Pass | $3,725 |
| Alton | $3,241 |
| Altona | $2,975 |
| Alvin | $3,093 |
| Amboy | $2,706 |
| Anchor | $2,747 |
| Ancona | $2,830 |
| Andalusia | $2,850 |
| Andover | $2,962 |
| Anna | $3,667 |
| Annapolis | $3,305 |
| Annawan | $2,901 |
| Antioch | $2,758 |
| Apple River | $2,743 |
| Arcola | $3,008 |
| Argenta | $2,956 |
| Arlington | $2,815 |
| Arlington Heights | $2,676 |
| Armington | $2,986 |
| Armstrong | $3,097 |
| Aroma Park | $2,853 |
| Arrowsmith | $2,836 |
| Arthur | $2,894 |
| Ashland | $3,077 |
| Ashley | $3,297 |
| Ashmore | $2,969 |
| Ashton | $2,745 |
| Assumption | $3,109 |
| Athens | $3,095 |
| Atkinson | $2,925 |
| Atlanta | $2,933 |
| Atwood | $2,982 |
| Auburn | $2,934 |
| Augusta | $3,056 |
| Aurora | $2,699 |
| Ava | $3,672 |
| Aviston | $3,093 |
| Avon | $2,927 |
| Baileyville | $2,713 |
| Bannockburn | $2,744 |
| Bardolph | $2,974 |
| Barnhill | $3,510 |
| Barrington | $2,622 |
| Barrington Hills | $2,635 |
| Barry | $3,162 |
| Barstow | $2,808 |
| Bartelso | $3,136 |
| Bartlett | $2,700 |
| Bartonville | $2,834 |
| Basco | $3,032 |
| Batavia | $2,669 |
| Batchtown | $3,104 |
| Bay View Gardens | $2,815 |
| Baylis | $3,077 |
| Beach Park | $2,717 |
| Beardstown | $3,016 |
| Beason | $2,904 |
| Beckemeyer | $3,125 |
| Bedford Park | $2,935 |
| Beecher | $2,769 |
| Beecher City | $3,083 |
| Belknap | $3,755 |
| Belle Rive | $3,620 |
| Belleville | $3,142 |
| Bellevue | $2,826 |
| Bellmont | $3,430 |
| Bellwood | $2,705 |
| Belvidere | $2,707 |
| Bement | $3,027 |
| Benld | $3,041 |
| Bensenville | $2,613 |
| Benson | $2,897 |
| Benton | $3,604 |
| Berkeley | $2,656 |
| Berwick | $2,968 |
| Berwyn | $2,767 |
| Bethalto | $3,187 |
| Bethany | $3,010 |
| Bingham | $3,042 |
| Bishop Hill | $2,984 |
| Bismarck | $3,049 |
| Blackstone | $2,895 |
| Blandinsville | $3,022 |
| Bloomingdale | $2,701 |
| Bloomington | $2,605 |
| Blue Island | $2,920 |
| Blue Mound | $3,025 |
| Bluff Springs | $3,073 |
| Bluffs | $3,084 |
| Bluford | $3,595 |
| Boles | $3,702 |
| Bolingbrook | $2,673 |
| Bolivia | $3,011 |
| Bondville | $2,839 |
| Bone Gap | $3,502 |
| Bonfield | $2,935 |
| Bonnie | $3,599 |
| Boody | $2,905 |
| Boulder Hill | $2,623 |
| Bourbonnais | $2,810 |
| Bowen | $3,054 |
| Braceville | $2,793 |
| Bradford | $2,973 |
| Bradley | $2,834 |
| Braidwood | $2,777 |
| Breese | $3,083 |
| Bridgeport | $3,351 |
| Bridgeview | $2,697 |
| Brighton | $3,122 |
| Brimfield | $2,867 |
| Bristol | $2,591 |
| Broadlands | $2,943 |
| Broadview | $2,633 |
| Brocton | $3,037 |
| Brookfield | $2,615 |
| Brooklyn | $3,286 |
| Brookport | $3,736 |
| Broughton | $3,629 |
| Browns | $3,547 |
| Brownstown | $3,064 |
| Brussels | $3,101 |
| Bryant | $2,954 |
| Buckingham | $2,924 |
| Buckley | $2,894 |
| Buckner | $3,640 |
| Buda | $2,875 |
| Buffalo | $2,996 |
| Buffalo Grove | $2,686 |
| Buffalo Prairie | $2,823 |
| Bulpitt | $2,934 |
| Buncombe | $3,834 |
| Bunker Hill | $3,151 |
| Burbank | $2,724 |
| Bureau | $2,889 |
| Burlington | $2,734 |
| Burnham | $3,615 |
| Burnt Prairie | $3,531 |
| Burr Ridge | $2,568 |
| Bushnell | $2,933 |
| Butler | $3,126 |
| Byron | $2,661 |
| Cabery | $2,868 |
| Cahokia | $3,359 |
| Cairo | $3,588 |
| Calhoun | $3,365 |
| Calumet City | $3,042 |
| Calumet Park | $3,000 |
| Camargo | $2,968 |
| Cambria | $3,648 |
| Cambridge | $2,961 |
| Camden | $3,127 |
| Cameron | $2,927 |
| Camp Grove | $2,944 |
| Camp Point | $3,143 |
| Campbell Hill | $3,632 |
| Campton Hills | $2,643 |
| Campus | $2,851 |
| Canton | $2,926 |
| Cantrall | $2,935 |
| Capron | $2,776 |
| Carbon Cliff | $2,750 |
| Carbondale | $3,551 |
| Carlinville | $3,116 |
| Carlock | $2,801 |
| Carlyle | $3,150 |
| Carmi | $3,497 |
| Carol Stream | $2,657 |
| Carpentersville | $2,650 |
| Carrier Mills | $3,612 |
| Carterville | $3,654 |
| Carthage | $3,030 |
| Cary | $2,751 |
| Casey | $3,308 |
| Caseyville | $3,226 |
| Castleton | $2,962 |
| Catlin | $2,955 |
| Cedar Point | $2,816 |
| Cedarville | $2,696 |
| Central City | $3,377 |
| Centralia | $3,328 |
| Centreville | $3,245 |
| Cerro Gordo | $3,027 |
| Chadwick | $2,765 |
| Chambersburg | $3,084 |
| Champaign | $2,782 |
| Chana | $2,747 |
| Channahon | $2,721 |
| Channel Lake | $2,776 |
| Charleston | $2,945 |
| Chatham | $2,888 |
| Chenoa | $2,777 |
| Cherry | $2,868 |
| Cherry Valley | $2,656 |
| Chester | $3,085 |
| Chesterfield | $3,182 |
| Chestnut | $2,951 |
| Chicago | $3,436 |
| Chicago Heights | $2,976 |
| Chicago Ridge | $2,744 |
| Chillicothe | $2,813 |
| Chrisman | $3,123 |
| Christopher | $3,596 |
| Cicero | $2,810 |
| Cisco | $3,037 |
| Cisne | $3,470 |
| Cissna Park | $2,811 |
| Clare | $2,674 |
| Claremont | $3,341 |
| Clarendon Hills | $2,567 |
| Clayton | $3,171 |
| Claytonville | $2,895 |
| Clifton | $2,916 |
| Clinton | $2,879 |
| Coal City | $2,793 |
| Coal Valley | $2,762 |
| Coatsburg | $3,182 |
| Cobden | $3,707 |
| Coello | $3,631 |
| Coffeen | $3,102 |
| Colchester | $3,076 |
| Colfax | $2,825 |
| Collinsville | $3,207 |
| Collison | $3,083 |
| Colona | $2,861 |
| Colp | $3,672 |
| Columbia | $3,129 |
| Colusa | $3,041 |
| Compton | $2,761 |
| Congerville | $2,835 |
| Cooksville | $2,752 |
| Cornell | $2,853 |
| Cornland | $2,933 |
| Cortland | $2,600 |
| Cottage Hills | $3,164 |
| Coulterville | $3,186 |
| Country Club Hills | $2,977 |
| Countryside | $2,584 |
| Cowden | $3,021 |
| Crainville | $3,655 |
| Crescent City | $2,890 |
| Crest Hill | $2,727 |
| Creston | $2,660 |
| Crestwood | $2,841 |
| Crete | $2,755 |
| Creve Coeur | $2,903 |
| Cropsey | $2,767 |
| Crossville | $3,521 |
| Crystal Lake | $2,692 |
| Crystal Lawns | $2,755 |
| Cuba | $2,985 |
| Cullom | $2,880 |
| Cutler | $3,384 |
| Cypress | $3,840 |
| Dahinda | $2,935 |
| Dakota | $2,755 |
| Dalton City | $2,922 |
| Dalzell | $2,788 |
| Dana | $2,826 |
| Danvers | $2,854 |
| Danville | $2,946 |
| Darien | $2,622 |
| Davis | $2,671 |
| Davis Junction | $2,742 |
| Dawson | $2,963 |
| De Land | $2,996 |
| De Pue | $2,900 |
| De Soto | $3,606 |
| De Witt | $2,921 |
| DeKalb | $2,605 |
| Decatur | $2,872 |
| Deer Grove | $2,796 |
| Deer Park | $2,619 |
| Deerfield | $2,688 |
| Delavan | $3,054 |
| Dennison | $3,469 |
| Des Plaines | $2,735 |
| Dewey | $2,829 |
| Diamond | $2,797 |
| Dieterich | $3,053 |
| Dix | $3,594 |
| Dixmoor | $2,960 |
| Dixon | $2,653 |
| Dolton | $2,958 |
| Dongola | $3,816 |
| Donnellson | $3,145 |
| Donovan | $2,871 |
| Dorsey | $3,220 |
| Dover | $2,887 |
| Dow | $3,078 |
| Dowell | $3,684 |
| Downers Grove | $2,586 |
| Downs | $2,817 |
| Du Quoin | $3,243 |
| Dundas | $3,356 |
| Dunfermline | $2,959 |
| Dunlap | $2,817 |
| Dupo | $3,257 |
| Durand | $2,764 |
| Dwight | $2,780 |
| Eagarville | $3,095 |
| Earlville | $2,821 |
| East Alton | $3,183 |
| East Carondelet | $3,142 |
| East Dubuque | $2,728 |
| East Dundee | $2,651 |
| East Galesburg | $2,839 |
| East Hazel Crest | $2,986 |
| East Lynn | $2,997 |
| East Moline | $2,774 |
| East Peoria | $2,932 |
| East St. Louis | $3,306 |
| Easton | $3,062 |
| Eddyville | $3,697 |
| Edelstein | $2,872 |
| Edgewood | $3,085 |
| Edinburg | $3,012 |
| Edwards | $2,855 |
| Edwardsville | $3,126 |
| Effingham | $2,913 |
| Elburn | $2,689 |
| Eldena | $2,678 |
| Eldorado | $3,603 |
| Eldred | $3,165 |
| Eleroy | $2,736 |
| Elgin | $2,678 |
| Elizabeth | $2,820 |
| Elizabethtown | $3,752 |
| Elk Grove Village | $2,680 |
| Elkville | $3,677 |
| Ellery | $3,528 |
| Elliott | $2,821 |
| Ellisville | $3,060 |
| Ellsworth | $2,818 |
| Elmhurst | $2,596 |
| Elmwood | $2,819 |
| Elmwood Park | $2,746 |
| Elvaston | $3,030 |
| Elwin | $2,926 |
| Elwood | $2,794 |
| Emden | $2,948 |
| Emington | $2,837 |
| Emma | $3,489 |
| Energy | $3,666 |
| Eola | $2,671 |
| Esmond | $2,700 |
| Essex | $2,912 |
| Eureka | $2,817 |
| Evanston | $2,698 |
| Evansville | $3,188 |
| Evergreen Park | $2,828 |
| Ewing | $3,743 |
| Fairbury | $2,817 |
| Fairfield | $3,502 |
| Fairmont | $2,731 |
| Fairmont City | $3,290 |
| Fairmount | $3,091 |
| Fairview Heights | $3,181 |
| Farina | $3,135 |
| Farmer City | $2,932 |
| Farmersville | $3,077 |
| Farmington | $2,943 |
| Fenton | $2,859 |
| Ferris | $3,056 |
| Fiatt | $2,952 |
| Fidelity | $3,041 |
| Fieldon | $3,066 |
| Findlay | $2,948 |
| Fisher | $2,842 |
| Fithian | $3,041 |
| Flanagan | $2,873 |
| Flat Rock | $3,325 |
| Flora | $3,443 |
| Flossmoor | $2,827 |
| Foosland | $2,937 |
| Ford Heights | $2,985 |
| Forest City | $3,156 |
| Forest Lake | $2,800 |
| Forest Park | $2,763 |
| Forest View | $2,778 |
| Forrest | $2,896 |
| Forreston | $2,747 |
| Forsyth | $2,864 |
| Fort Sheridan | $2,780 |
| Fowler | $3,168 |
| Fox Lake | $2,773 |
| Fox Lake Hills | $2,737 |
| Fox River Grove | $2,740 |
| Fox Valley | $2,771 |
| Frankfort | $2,725 |
| Frankfort Heights | $3,661 |
| Frankfort Square | $2,717 |
| Franklin Grove | $2,744 |
| Franklin Park | $2,671 |
| Frederick | $3,037 |
| Freeburg | $3,181 |
| Freeman Spur | $3,677 |
| Freeport | $2,629 |
| Fulton | $2,708 |
| Fults | $3,136 |
| Gages Lake | $2,736 |
| Galatia | $3,663 |
| Galena | $2,692 |
| Galesburg | $2,836 |
| Galt | $2,711 |
| Galva | $2,892 |
| Garden Prairie | $2,775 |
| Gardner | $2,849 |
| Gays | $2,968 |
| Geff | $3,562 |
| Geneseo | $2,859 |
| Geneva | $2,663 |
| Genoa | $2,603 |
| Georgetown | $3,000 |
| Gerlaw | $2,937 |
| German Valley | $2,689 |
| Germantown | $3,142 |
| Germantown Hills | $2,899 |
| Gibson City | $2,816 |
| Gifford | $2,810 |
| Gilberts | $2,635 |
| Gillespie | $3,074 |
| Gilman | $2,907 |
| Gilson | $2,908 |
| Girard | $3,098 |
| Glasford | $2,853 |
| Glen Carbon | $3,140 |
| Glen Ellyn | $2,576 |
| Glenarm | $2,911 |
| Glencoe | $2,695 |
| Glendale Heights | $2,623 |
| Glenview | $2,659 |
| Glenwood | $2,890 |
| Godfrey | $3,195 |
| Golconda | $3,722 |
| Golden | $3,192 |
| Golden Eagle | $3,137 |
| Golden Gate | $3,498 |
| Golf | $2,713 |
| Good Hope | $3,041 |
| Goodfield | $2,838 |
| Goodwine | $2,851 |
| Goreville | $3,676 |
| Gorham | $3,684 |
| Grafton | $3,134 |
| Grand Ridge | $2,829 |
| Grandview | $2,830 |
| Grandwood Park | $2,729 |
| Granite City | $3,201 |
| Grant Park | $2,829 |
| Grantsburg | $3,801 |
| Granville | $2,846 |
| Graymont | $2,869 |
| Grayslake | $2,734 |
| Grayville | $3,511 |
| Great Lakes | $2,726 |
| Green Oaks | $2,703 |
| Green Valley | $3,035 |
| Greenfield | $3,194 |
| Greenup | $3,339 |
| Greenview | $3,094 |
| Greenville | $3,044 |
| Greenwood | $2,722 |
| Griggsville | $3,115 |
| Gurnee | $2,720 |
| Hagaman | $3,182 |
| Hagarstown | $3,027 |
| Hainesville | $2,721 |
| Hamburg | $3,160 |
| Hamel | $3,269 |
| Hamilton | $2,915 |
| Hammond | $3,011 |
| Hampshire | $2,744 |
| Hampton | $2,757 |
| Hanna City | $2,857 |
| Hanover Park | $2,691 |
| Hardin | $3,077 |
| Harrisburg | $3,549 |
| Harrison | $3,593 |
| Harristown | $2,938 |
| Hartford | $3,191 |
| Hartsburg | $2,897 |
| Harvard | $2,785 |
| Harvey | $3,010 |
| Harwood Heights | $2,675 |
| Havana | $3,075 |
| Hawthorn Woods | $2,795 |
| Hazel Crest | $2,980 |
| Hebron | $2,758 |
| Hecker | $3,091 |
| Hennepin | $2,999 |
| Henning | $2,985 |
| Henry | $2,908 |
| Heritage Lake | $2,942 |
| Herod | $3,718 |
| Herrin | $3,655 |
| Herscher | $2,867 |
| Hettick | $3,056 |
| Heyworth | $2,711 |
| Hickory Hills | $2,740 |
| Hidalgo | $3,351 |
| Highland | $3,194 |
| Highland Park | $2,760 |
| Highwood | $2,716 |
| Hillsboro | $3,010 |
| Hillsdale | $2,891 |
| Hillside | $2,615 |
| Hillview | $3,111 |
| Hinckley | $2,643 |
| Hindsboro | $3,063 |
| Hines | $2,731 |
| Hinsdale | $2,547 |
| Hodgkins | $2,589 |
| Hoffman | $3,140 |
| Hoffman Estates | $2,681 |
| Holcomb | $2,655 |
| Holiday Shores | $3,137 |
| Homer | $2,934 |
| Homer Glen | $2,712 |
| Hometown | $2,779 |
| Homewood | $2,943 |
| Hoopeston | $2,954 |
| Hooppole | $2,956 |
| Hopkins Park | $2,893 |
| Hoyleton | $3,266 |
| Hudson | $2,608 |
| Huey | $3,142 |
| Hull | $3,103 |
| Humboldt | $2,987 |
| Hume | $3,077 |
| Huntley | $2,715 |
| Hurst | $3,710 |
| Hutsonville | $3,271 |
| Illinois City | $2,890 |
| Illiopolis | $3,059 |
| Ina | $3,580 |
| Indian Head Park | $2,569 |
| Indianola | $3,061 |
| Ingalls Park | $2,667 |
| Ingleside | $2,764 |
| Ingraham | $3,467 |
| Inverness | $2,657 |
| Ipava | $2,993 |
| Iroquois | $2,858 |
| Irvington | $3,214 |
| Island Lake | $2,744 |
| Itasca | $2,645 |
| Ivesdale | $2,909 |
| Jacksonville | $2,987 |
| Jacob | $3,682 |
| Janesville | $3,356 |
| Jerome | $2,794 |
| Jerseyville | $3,003 |
| Jewett | $3,369 |
| Johnsburg | $2,703 |
| Johnsonville | $3,574 |
| Johnston City | $3,635 |
| Joliet | $2,736 |
| Jonesboro | $3,774 |
| Joppa | $3,678 |
| Joy | $2,991 |
| Junction | $3,745 |
| Justice | $2,658 |
| Kampsville | $3,176 |
| Kane | $3,181 |
| Kaneville | $2,719 |
| Kankakee | $2,878 |
| Kansas | $3,155 |
| Karbers Ridge | $3,717 |
| Kasbeer | $2,884 |
| Keenes | $3,614 |
| Keensburg | $3,481 |
| Keithsburg | $2,990 |
| Kell | $3,523 |
| Kempton | $2,888 |
| Kenilworth | $2,701 |
| Kenney | $2,953 |
| Kent | $2,743 |
| Kewanee | $2,862 |
| Keyesport | $3,147 |
| Kildeer | $2,793 |
| Kincaid | $2,973 |
| Kinderhook | $3,140 |
| Kingston Mines | $2,875 |
| Kinmundy | $3,520 |
| Kinsman | $2,896 |
| Kirkland | $2,620 |
| Kirkwood | $2,983 |
| Knollwood | $2,728 |
| Knoxville | $2,832 |
| La Fayette | $2,939 |
| La Grange | $2,582 |
| La Grange Park | $2,568 |
| La Place | $2,987 |
| La Prairie | $3,125 |
| La Rose | $2,907 |
| LaSalle | $2,787 |
| Laclede | $3,085 |
| Lacon | $2,914 |
| Ladd | $2,827 |
| Lafox | $2,706 |
| Lake Barrington | $2,624 |
| Lake Bluff | $2,710 |
| Lake Forest | $2,693 |
| Lake Fork | $2,933 |
| Lake Holiday | $2,676 |
| Lake Petersburg | $3,053 |
| Lake Villa | $2,741 |
| Lake Zurich | $2,792 |
| Lake in the Hills | $2,700 |
| Lake of the Woods | $2,759 |
| Lakemoor | $2,720 |
| Lakewood | $2,698 |
| Lakewood Shores | $2,840 |
| Lanark | $2,709 |
| Lane | $2,894 |
| Lansing | $2,876 |
| Latham | $2,981 |
| Laura | $2,898 |
| Lawndale | $2,832 |
| Lawrenceville | $3,401 |
| Le Roy | $2,754 |
| Lebanon | $3,130 |
| Lee | $2,747 |
| Lee Center | $2,743 |
| Leland | $2,798 |
| Leland Grove | $2,786 |
| Lemont | $2,674 |
| Lena | $2,673 |
| Lenzburg | $3,255 |
| Leonore | $2,870 |
| Lerna | $3,145 |
| Lewistown | $3,050 |
| Lexington | $2,781 |
| Libertyville | $2,711 |
| Lima | $3,153 |
| Lincoln | $2,851 |
| Lincoln’s New Salem | $3,025 |
| Lincolnshire | $2,704 |
| Lincolnwood | $2,596 |
| Lindenhurst | $2,722 |
| Lindenwood | $2,731 |
| Lisle | $2,676 |
| Litchfield | $3,053 |
| Literberry | $2,995 |
| Little York | $2,907 |
| Littleton | $3,112 |
| Liverpool | $2,983 |
| Livingston | $3,253 |
| Loami | $2,956 |
| Lockport | $2,725 |
| Loda | $2,851 |
| Logan | $3,629 |
| Lomax | $3,065 |
| Lombard | $2,617 |
| London Mills | $2,951 |
| Long Grove | $2,733 |
| Long Lake | $2,779 |
| Long Point | $2,859 |
| Longview | $2,906 |
| Loraine | $3,136 |
| Lostant | $2,895 |
| Louisville | $3,517 |
| Lovejoy | $3,286 |
| Loves Park | $2,628 |
| Lowder | $2,977 |
| Lowpoint | $2,874 |
| Lynn Center | $2,966 |
| Lynwood | $2,986 |
| Lyons | $2,613 |
| Macedonia | $3,753 |
| Machesney Park | $2,624 |
| Mackinaw | $2,942 |
| Macomb | $2,983 |
| Macon | $3,020 |
| Madison | $3,330 |
| Maeystown | $3,088 |
| Magnolia | $2,919 |
| Mahomet | $2,761 |
| Malden | $2,925 |
| Malta | $2,663 |
| Manchester | $3,091 |
| Manhattan | $2,767 |
| Manito | $3,073 |
| Manlius | $2,882 |
| Mansfield | $2,941 |
| Manteno | $2,825 |
| Maple Park | $2,748 |
| Mapleton | $2,843 |
| Marengo | $2,779 |
| Marietta | $3,043 |
| Marine | $3,264 |
| Marion | $3,667 |
| Marissa | $3,301 |
| Mark | $2,862 |
| Markham | $2,882 |
| Maroa | $2,971 |
| Marquette Heights | $2,954 |
| Marseilles | $2,849 |
| Marshall | $3,397 |
| Martinsville | $3,339 |
| Maryville | $3,197 |
| Mascoutah | $3,207 |
| Mason | $3,091 |
| Mason City | $3,041 |
| Matherville | $2,938 |
| Matteson | $2,880 |
| Mattoon | $2,864 |
| Maunie | $3,544 |
| Maywood | $2,710 |
| Mazon | $2,856 |
| Mc Connell | $2,757 |
| McHenry | $2,704 |
| McLean | $2,773 |
| McLeansboro | $3,630 |
| McNabb | $2,932 |
| Mechanicsburg | $3,011 |
| Medinah | $2,674 |
| Medora | $3,065 |
| Melrose Park | $2,714 |
| Melvin | $2,858 |
| Menard | $3,159 |
| Mendon | $3,082 |
| Mendota | $2,772 |
| Meredosia | $3,042 |
| Merna | $2,692 |
| Merrionette Park | $2,858 |
| Metamora | $2,898 |
| Metcalf | $3,107 |
| Metropolis | $3,595 |
| Mettawa | $2,681 |
| Michael | $3,089 |
| Middletown | $2,935 |
| Midlothian | $2,830 |
| Milan | $2,813 |
| Milford | $2,887 |
| Mill Shoals | $3,461 |
| Millbrook | $2,587 |
| Milledgeville | $2,793 |
| Miller City | $3,733 |
| Millington | $2,626 |
| Millstadt | $3,184 |
| Milmine | $3,015 |
| Mineral | $2,939 |
| Minier | $3,003 |
| Minonk | $2,954 |
| Minooka | $2,782 |
| Mitchell | $3,211 |
| Mode | $3,012 |
| Modesto | $3,111 |
| Modoc | $3,195 |
| Mokena | $2,708 |
| Moline | $2,849 |
| Momence | $2,850 |
| Monee | $2,803 |
| Monmouth | $2,926 |
| Monroe Center | $2,711 |
| Montgomery | $2,678 |
| Monticello | $2,930 |
| Montrose | $3,333 |
| Mooseheart | $2,640 |
| Morris | $2,881 |
| Morrison | $2,719 |
| Morrisonville | $3,068 |
| Morton | $2,901 |
| Morton Grove | $2,620 |
| Mossville | $2,879 |
| Mound City | $3,697 |
| Mounds | $3,611 |
| Mount Auburn | $3,050 |
| Mount Carmel | $3,426 |
| Mount Carroll | $2,761 |
| Mount Erie | $3,497 |
| Mount Morris | $2,639 |
| Mount Olive | $3,086 |
| Mount Prospect | $2,662 |
| Mount Pulaski | $2,907 |
| Mount Sterling | $3,084 |
| Mount Vernon | $3,492 |
| Mount Zion | $2,893 |
| Moweaqua | $3,024 |
| Mozier | $3,160 |
| Muddy | $3,670 |
| Mulberry Grove | $3,112 |
| Mulkeytown | $3,672 |
| Muncie | $3,023 |
| Mundelein | $2,706 |
| Murdock | $2,994 |
| Murphysboro | $3,594 |
| Nachusa | $2,714 |
| Naperville | $2,604 |
| Nashville | $3,196 |
| Nason | $3,598 |
| National Stock Yards | $3,280 |
| Nauvoo | $3,010 |
| Nebo | $3,112 |
| Neoga | $3,234 |
| Neponset | $2,898 |
| New Athens | $3,179 |
| New Baden | $3,138 |
| New Bedford | $2,898 |
| New Berlin | $2,967 |
| New Burnside | $3,823 |
| New Canton | $3,164 |
| New Douglas | $3,251 |
| New Haven | $3,628 |
| New Holland | $2,931 |
| New Lenox | $2,658 |
| New Memphis | $3,135 |
| New Milford | $2,634 |
| New Salem | $3,069 |
| New Windsor | $3,057 |
| Newark | $2,704 |
| Newman | $3,028 |
| Newton | $3,302 |
| Niantic | $3,032 |
| Niles | $2,615 |
| Nilwood | $3,105 |
| Niota | $3,007 |
| Noble | $3,401 |
| Nokomis | $3,090 |
| Nora | $2,766 |
| Normal | $2,610 |
| Norridge | $2,666 |
| Norris | $2,939 |
| Norris City | $3,536 |
| North Aurora | $2,663 |
| North Barrington | $2,667 |
| North Chicago | $2,764 |
| North City | $3,595 |
| North Pekin | $2,953 |
| North Riverside | $2,620 |
| North Utica | $2,912 |
| Northbrook | $2,654 |
| Northfield | $2,644 |
| Northlake | $2,704 |
| O’Fallon | $3,170 |
| Oak Brook | $2,542 |
| Oak Forest | $2,823 |
| Oak Lawn | $2,748 |
| Oak Park | $2,758 |
| Oakbrook Terrace | $2,613 |
| Oakdale | $3,280 |
| Oakford | $3,066 |
| Oakland | $2,985 |
| Oakwood | $2,958 |
| Oakwood Hills | $2,762 |
| Odell | $2,874 |
| Odin | $3,433 |
| Oglesby | $2,791 |
| Ohlman | $3,086 |
| Okawville | $3,216 |
| Olive Branch | $3,649 |
| Olivet | $3,118 |
| Olmsted | $3,725 |
| Olney | $3,239 |
| Olympia Fields | $2,897 |
| Onarga | $2,909 |
| Oneida | $2,956 |
| Opdyke | $3,632 |
| Ophiem | $2,963 |
| Oquawka | $3,004 |
| Orangeville | $2,735 |
| Oraville | $3,660 |
| Oreana | $2,910 |
| Oregon | $2,653 |
| Orient | $3,621 |
| Orion | $2,859 |
| Orland Hills | $2,813 |
| Orland Park | $2,749 |
| Oswego | $2,649 |
| Ottawa | $2,833 |
| Owaneco | $3,051 |
| Palatine | $2,657 |
| Palestine | $3,322 |
| Palmer | $3,082 |
| Palmyra | $3,084 |
| Paloma | $3,146 |
| Palos Heights | $2,706 |
| Palos Hills | $2,713 |
| Palos Park | $2,685 |
| Pana | $2,978 |
| Panama | $3,076 |
| Papineau | $2,894 |
| Paris | $3,119 |
| Park City | $2,795 |
| Park Forest | $2,868 |
| Park Ridge | $2,652 |
| Parkersburg | $3,373 |
| Patoka | $3,519 |
| Patterson | $3,121 |
| Paw Paw | $2,762 |
| Pawnee | $2,969 |
| Paxton | $2,703 |
| Payson | $3,149 |
| Pearl | $3,170 |
| Pearl City | $2,732 |
| Pecatonica | $2,704 |
| Pekin | $2,958 |
| Pembroke Township | $2,853 |
| Penfield | $2,902 |
| Peoria | $2,803 |
| Peoria Heights | $2,769 |
| Peotone | $2,797 |
| Percy | $3,257 |
| Perks | $3,638 |
| Perry | $3,103 |
| Peru | $2,750 |
| Petersburg | $3,057 |
| Philo | $2,845 |
| Phoenix | $3,012 |
| Piasa | $3,207 |
| Pierron | $3,068 |
| Pinckneyville | $3,349 |
| Piper City | $2,882 |
| Pistakee Highlands | $2,704 |
| Pittsburg | $3,778 |
| Pittsfield | $3,105 |
| Plainfield | $2,741 |
| Plainville | $3,202 |
| Plano | $2,569 |
| Plato Center | $2,676 |
| Pleasant Hill | $3,195 |
| Pleasant Plains | $2,990 |
| Plymouth | $3,046 |
| Pocahontas | $3,144 |
| Polo | $2,747 |
| Pomona | $3,750 |
| Pontiac | $2,781 |
| Pontoon Beach | $3,218 |
| Poplar Grove | $2,718 |
| Port Barrington | $2,674 |
| Port Byron | $2,810 |
| Posen | $2,891 |
| Potomac | $3,052 |
| Prairie Grove | $2,721 |
| Prairie du Rocher | $3,195 |
| Preemption | $2,946 |
| Prestbury | $2,696 |
| Preston Heights | $2,686 |
| Princeton | $2,876 |
| Prophetstown | $2,822 |
| Prospect Heights | $2,660 |
| Putnam | $2,921 |
| Quincy | $3,073 |
| Radom | $3,276 |
| Raleigh | $3,660 |
| Rankin | $3,040 |
| Ransom | $2,900 |
| Rantoul | $2,793 |
| Rapids City | $2,836 |
| Raritan | $3,019 |
| Raymond | $3,154 |
| Red Bud | $3,067 |
| Reddick | $2,894 |
| Redmon | $3,052 |
| Renault | $3,135 |
| Reynolds | $2,869 |
| Richmond | $2,669 |
| Richton Park | $2,894 |
| Ridge Farm | $3,118 |
| Rinard | $3,548 |
| Ringwood | $2,725 |
| River Forest | $2,728 |
| River Grove | $2,696 |
| Riverdale | $3,009 |
| Riverside | $2,625 |
| Riverton | $2,890 |
| Riverwoods | $2,751 |
| Robbins | $2,874 |
| Roberts | $2,784 |
| Robinson | $3,199 |
| Roby | $3,011 |
| Rochelle | $2,644 |
| Rochester | $2,872 |
| Rock City | $2,706 |
| Rock Falls | $2,672 |
| Rock Island | $2,792 |
| Rockbridge | $3,184 |
| Rockdale | $2,716 |
| Rockford | $2,632 |
| Rockport | $3,179 |
| Rockton | $2,615 |
| Rockwood | $3,285 |
| Rolling Meadows | $2,670 |
| Rome | $2,808 |
| Romeoville | $2,748 |
| Roodhouse | $3,163 |
| Rosamond | $3,070 |
| Roscoe | $2,622 |
| Roselle | $2,664 |
| Rosemont | $2,766 |
| Roseville | $2,972 |
| Rosewood Heights | $3,175 |
| Rosiclare | $3,804 |
| Rossville | $3,047 |
| Round Lake | $2,776 |
| Round Lake Beach | $2,780 |
| Round Lake Heights | $2,784 |
| Round Lake Park | $2,775 |
| Roxana | $3,193 |
| Royal | $2,850 |
| Royalton | $3,686 |
| Rushville | $3,030 |
| Russell | $2,747 |
| Rutland | $2,852 |
| Sailor Springs | $3,472 |
| Salem | $3,405 |
| San Jose | $3,071 |
| Sandoval | $3,391 |
| Sandwich | $2,604 |
| Sauk Village | $2,993 |
| Savanna | $2,697 |
| Savoy | $2,725 |
| Sawyerville | $3,041 |
| Saybrook | $2,804 |
| Scales Mound | $2,723 |
| Schaumburg | $2,659 |
| Scheller | $3,613 |
| Schiller Park | $2,680 |
| Schram City | $3,009 |
| Sciota | $3,004 |
| Scott AFB | $3,097 |
| Seaton | $3,002 |
| Seatonville | $2,916 |
| Secor | $2,859 |
| Seneca | $2,906 |
| Sesser | $3,615 |
| Seward | $2,703 |
| Seymour | $2,808 |
| Shannon | $2,672 |
| Shawneetown | $3,683 |
| Sheffield | $2,923 |
| Shelbyville | $2,978 |
| Sheldon | $2,837 |
| Sheridan | $2,793 |
| Sherman | $2,851 |
| Sherrard | $2,950 |
| Shiloh | $3,137 |
| Shirland | $2,658 |
| Shirley | $2,774 |
| Shobonier | $3,179 |
| Shorewood | $2,691 |
| Shumway | $3,073 |
| Sibley | $2,875 |
| Sidell | $3,107 |
| Sidney | $2,902 |
| Silvis | $2,730 |
| Sims | $3,553 |
| Skokie | $2,744 |
| Sleepy Hollow | $2,654 |
| Smithboro | $3,131 |
| Smithfield | $2,977 |
| Smithshire | $2,975 |
| Smithton | $3,191 |
| Somonauk | $2,623 |
| Sorento | $3,107 |
| South Barrington | $2,621 |
| South Beloit | $2,626 |
| South Chicago Heights | $2,975 |
| South Elgin | $2,662 |
| South Holland | $2,943 |
| South Jacksonville | $2,988 |
| South Pekin | $2,987 |
| South Roxana | $3,179 |
| South Suburban | $2,786 |
| South Wilmington | $2,844 |
| Southern View | $2,886 |
| Sparland | $2,903 |
| Sparta | $3,103 |
| Speer | $2,961 |
| Spring Grove | $2,660 |
| Spring Valley | $2,845 |
| Springerton | $3,552 |
| Springfield | $2,829 |
| St. Anne | $2,888 |
| St. Augustine | $2,934 |
| St. Charles | $2,598 |
| St. David | $2,954 |
| St. Elmo | $3,055 |
| St. Francisville | $3,411 |
| St. Joseph | $2,767 |
| St. Libory | $3,284 |
| St. Peter | $3,084 |
| Standard | $2,831 |
| Stanford | $2,757 |
| Staunton | $3,041 |
| Ste. Marie | $3,334 |
| Steeleville | $3,142 |
| Steger | $2,824 |
| Sterling | $2,707 |
| Steward | $2,760 |
| Stewardson | $3,037 |
| Stickney | $2,761 |
| Stillman Valley | $2,664 |
| Stockland | $2,828 |
| Stockton | $2,761 |
| Stone Park | $2,688 |
| Stonington | $3,122 |
| Stoy | $3,298 |
| Strasburg | $3,047 |
| Strawn | $2,855 |
| Streamwood | $2,702 |
| Streator | $2,786 |
| Stronghurst | $3,085 |
| Sugar Grove | $2,687 |
| Sullivan | $2,879 |
| Summerfield | $3,192 |
| Summit | $2,654 |
| Summit Argo | $2,633 |
| Sumner | $3,380 |
| Sun River Terrace | $2,887 |
| Sutter | $3,053 |
| Swansea | $3,140 |
| Sycamore | $2,603 |
| Table Grove | $3,038 |
| Tallula | $3,061 |
| Tamaroa | $3,304 |
| Tampico | $2,760 |
| Taylor Ridge | $2,920 |
| Taylor Springs | $3,084 |
| Taylorville | $2,980 |
| Techny | $2,716 |
| Teutopolis | $2,954 |
| Texico | $3,623 |
| Thawville | $2,827 |
| Thayer | $2,934 |
| The Galena Territory | $2,694 |
| Thebes | $3,845 |
| Thomasboro | $2,785 |
| Thompsonville | $3,673 |
| Thomson | $2,740 |
| Thornton | $2,845 |
| Tilden | $3,142 |
| Tilton | $2,937 |
| Timewell | $3,015 |
| Tinley Park | $2,791 |
| Tiskilwa | $2,934 |
| Toledo | $3,307 |
| Tolono | $2,830 |
| Toluca | $2,872 |
| Tonica | $2,900 |
| Topeka | $3,059 |
| Toulon | $2,919 |
| Tovey | $2,986 |
| Tower Hill | $2,966 |
| Tower Lakes | $2,617 |
| Tremont | $2,968 |
| Trenton | $3,106 |
| Trilla | $2,993 |
| Triumph | $2,814 |
| Troy | $3,147 |
| Troy Grove | $2,822 |
| Tuscola | $2,917 |
| Twin Grove | $2,584 |
| Ullin | $3,768 |
| Union | $2,683 |
| Union Hill | $2,871 |
| Unity | $3,721 |
| University Park | $2,752 |
| Urbana | $2,736 |
| Valier | $3,680 |
| Valmeyer | $3,219 |
| Van Orin | $2,881 |
| Vandalia | $3,011 |
| Varna | $2,897 |
| Venetian Village | $2,736 |
| Venice | $3,353 |
| Vermilion | $3,035 |
| Vermont | $3,060 |
| Vernon | $3,486 |
| Vernon Hills | $2,736 |
| Verona | $2,920 |
| Vienna | $3,796 |
| Villa Grove | $2,928 |
| Villa Park | $2,603 |
| Viola | $3,083 |
| Virden | $2,982 |
| Virginia | $3,115 |
| Wadsworth | $2,702 |
| Waggoner | $3,073 |
| Walnut Hill | $3,550 |
| Walsh | $3,222 |
| Walshville | $3,110 |
| Waltonville | $3,529 |
| Wamac | $3,241 |
| Warren | $2,773 |
| Warrensburg | $2,967 |
| Warrenville | $2,694 |
| Warsaw | $3,047 |
| Wasco | $2,672 |
| Washburn | $2,815 |
| Washington | $2,912 |
| Washington Park | $3,256 |
| Wataga | $2,904 |
| Waterloo | $3,102 |
| Waterman | $2,721 |
| Watseka | $2,801 |
| Watson | $3,014 |
| Wauconda | $2,778 |
| Waukegan | $2,787 |
| Waverly | $3,089 |
| Wayne | $2,678 |
| Wayne City | $3,606 |
| Wedron | $2,747 |
| Weldon | $2,935 |
| Wellington | $2,863 |
| Wenona | $2,821 |
| West Brooklyn | $2,732 |
| West Chicago | $2,724 |
| West City | $3,598 |
| West Dundee | $2,649 |
| West Frankfort | $3,614 |
| West Liberty | $3,314 |
| West Peoria | $2,828 |
| West Point | $3,004 |
| West Salem | $3,444 |
| West Union | $3,325 |
| West York | $3,340 |
| Westchester | $2,572 |
| Western Springs | $2,543 |
| Westfield | $3,313 |
| Westmont | $2,620 |
| Westville | $2,962 |
| Wheaton | $2,566 |
| Wheeler | $3,342 |
| Wheeling | $2,711 |
| White Hall | $3,148 |
| White Heath | $2,931 |
| Whittington | $3,637 |
| Williamsfield | $2,925 |
| Williamsville | $2,926 |
| Willisville | $3,352 |
| Willow Springs | $2,660 |
| Willowbrook | $2,610 |
| Wilmette | $2,686 |
| Wilmington | $2,823 |
| Wilsonville | $3,092 |
| Winchester | $3,099 |
| Winfield | $2,644 |
| Winnebago | $2,668 |
| Winnetka | $2,689 |
| Winthrop Harbor | $2,722 |
| Witt | $3,104 |
| Wolf Lake | $3,790 |
| Wonder Lake | $2,719 |
| Wood Dale | $2,634 |
| Wood River | $3,183 |
| Woodhull | $3,034 |
| Woodland | $2,821 |
| Woodlawn | $3,539 |
| Woodridge | $2,690 |
| Woodson | $3,000 |
| Woodstock | $2,679 |
| Woosung | $2,686 |
| Worden | $3,223 |
| Worth | $2,726 |
| Wrights | $3,086 |
| Wyanet | $2,942 |
| Wyoming | $2,946 |
| Yale | $3,362 |
| Yates City | $2,956 |
| Yorkville | $2,623 |
| Zeigler | $3,655 |
| Zion | $2,715 |
What homeowners are seeing in Illinois now
Illinois homeowners insurance rates have gone up by an average of 65% over the past five years. Insurance companies blame these increases on a surge in extreme weather events.
Tornadoes, hailstorms and other severe storms, along with inflation, have caused most insurance companies’ claims expenses to go up. As a result, insurance companies have been raising their customer rates to keep up with these growing costs.
Many Illinois home insurance companies are also changing the way they insure homes.
-
Some have changed their windstorm deductibles
from a flat rate to a percentage of your dwelling limit, which may be higher. For example, if you insure your home for $400,000, a 1% wind deductible means you have to cover $4,000 of repair costs yourself.A windstorm deductible is your share of repair costs for wind and hail damage. It’s usually separate from the deductible you pay for other normal perils, like fire and vandalism.
- Some companies are only covering roofs at actual cash value. With this type of coverage, your insurance company factors in your roof’s age and wear, which can reduce how much they end up paying you. This can leave you with higher out-of-pocket repair costs.
These trends make it important to maintain your home and replace your roof when necessary. Some companies, including State Farm and Country Financial, have discounts for hail-resistant roofs.
Comparing homeowners insurance companies in Illinois
It’s good to have a general sense of your coverage needs when you shop for home insurance. Here are a few things to keep in mind as you compare quotes.
Consider extra protection for valuables
If you’re a first-time homebuyer, a basic policy may have all the coverage you need. But consider adding scheduled personal property
Check your quotes
It’s normal for your dwelling limit to vary a little in each quote. However, they should all have accurate information about your home’s size and features. Make sure each quote also includes the same types of coverage for equal comparisons.
Review bundling options
Most companies give you a generous discount for bundling your home and auto insurance. It’s good to get quotes for both policies at the same time to see each company’s combined rate.
Look for discounts
Make sure to ask about discounts other than bundling. Some may already be included in your quotes, but you don’t want any to get overlooked.
Compare deductibles
Raising your deductible
Use your declarations page
Your current policy’s declarations page
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
No, home insurance does not cover floods. You have to buy separate flood insurance for that risk. Your current home insurance agent, or the ones you contact for quotes, can usually help you get flood insurance quotes.
An uptick in severe storms as well as inflation have driven up the cost of insurance claims. In order to keep up with these growing expenses, insurance companies have been increasing their rates, which has made home insurance expensive in Illinois.
Unlike car insurance, homeowners insurance is not required by law in Illinois. However, lenders will almost always make you get it for a mortgage. In some communities, your homeowners association may also require it. But even if getting home insurance is optional, it’s still highly recommended to financially protect your home and personal belongings from unexpected events.
Methodology
The rates shown in this article are based on an analysis of nonbinding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Illinois ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
For third-party customer service ratings, we included NAIC’s complaint index scores and financial strength ratings from A.M. Best. NAIC complaint index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
How we create LendingTree ratings
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
See our full editorial guidelines for further details.
*USAA is only available to current and former members of the military and their families.