Paige Cerulli Last Updated On: September 20, 2023

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How to Find the Best Home Insurance in Illinois

The best home insurance in Illinois is a policy that gives you the coverage that you need while still being within your budget. Knowing what to look for in a good home insurance policy can be challenging, especially if you’re shopping for home insurance for the first time. That’s why we’ve outlined some of the essential details about home insurance in Illinois to help you as you shop.

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Table of Contents

The Average Cost of Home Insurance in Illinois

The average cost of home insurance in Illinois is $2,604 per year for a $300,000 home. In contrast, the national average cost of home insurance is $1,428 per year.

The amount that you’ll pay for home insurance in Illinois also depends on your city. Factors like crime rates, population densities, and home values in different cities can impact rates.

Illinois CityAverage Cost of Home Insurance Per Year
Chicago$4,027
Bloomington$1,961
Campton Hills$1,997
La Fox$2,009
Camp Grove$2,011


Since the price of home insurance varies so much based on not only where you live, but also on the value of your home, a personalized quote will give you the most accurate idea of how much you will need to pay for coverage. You can get free home insurance quotes in Illinois from ConsumerCoverage to get started.

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Coverage Options for Home Insurance in Illinois

Before you start shopping for home insurance in Illinois, it’s helpful to understand what’s included in the policy. Most standard home insurance policies will include these types of coverage:

  • Dwelling coverage helps to pay for expenses related to damage to your home’s structure, which could include your roof, walls, and porch.
  • Other structures coverage pays for damage that detached structures, like a shed or detached garage, might sustain.
  • Personal property coverage helps to cover the costs of the personal belongings that are inside your home, often including furniture and electronics.
  • Personal liability coverage helps to cover expenses that might occur if a person is injured, or if their property is damaged, while that person is on your property.
  • Medical payments coverage helps to cover medical bills that others accrue because of an accident that occurs on your property.
  • Loss of use coverage helps to pay for expenses, like a hotel room or rental property, that you might have if your house is damaged and left uninhabitable.

In addition to these standard coverages, you might want to add on optional coverages for more comprehensive protection:

  • Flood insurance: Most standard home insurance policies don’t cover damage caused by floods. Since Illinois has so many lakes and rivers, floods can and do occur. It may be a good idea to buy extra flood insurance coverage, especially if you live in a high-risk flood area.
  • Valuable items coverage: While personal property coverage can help to replace stolen or damaged items like furniture, the limits may not cover more expensive items, like jewelry. A valuable items policy increases your coverage limits to replace the higher value of your more expensive items.

How to Save Money on Home Insurance in Illinois

There are several ways to save money on home insurance in Illinois. To start, look for discounts that an insurance provider offers, such as discounts for having multiple policies. You might want to choose a policy with a high deductible, which can help to keep your monthly premium costs down. Just make sure that you have money set aside so you can pay that deductible if you ever have to file a claim.

Shopping around for home insurance can help you to save money, too. Take the time to compare policies so you find the right coverage at the best price. To get started, request a free homeowners insurance quote from ConsumerCoverage today.

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Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.

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