{"id":324459,"date":"2025-11-10T17:50:16","date_gmt":"2025-11-10T22:50:16","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=86224"},"modified":"2025-11-10T17:50:16","modified_gmt":"2025-11-10T22:50:16","slug":"best-in-illinois","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-illinois\/","title":{"rendered":"The Best Homeowners Insurance in Illinois"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"overview\" title=\"Overview\"><\/span>\n    \n\n\n<p>Purchasing a home insurance policy can protect the homeowner\u2019s assets when disaster strikes, and if they finance a house, the lender will require them to carry a policy. As of 2025, recent statewide analyses indicate Illinois homeowners pay roughly the mid-$2,000s per year on average for a standard policy with about $300,000 in dwelling coverage, $300,000 in liability, and a $1,000 deductible \u2014 similar to the U.S. average, though actual rates vary widely by city, home characteristics, and insurer (see <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>, and <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/illinois\/\">Policygenius<\/a>). Premiums have risen since 2022 amid elevated severe convective storm losses, higher reinsurance costs, and construction inflation, trends highlighted by <a href=\"https:\/\/www.iii.org\/article\/issues-and-research\">the Insurance Information Institute<\/a> and <a href=\"https:\/\/www.swissre.com\">Swiss Re<\/a>. After an exhaustive survey, Reviews has found several outstanding <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\" class=\"achor-toggles\">home insurance companies<\/a>, including Allstate, American Family, and State Farm, that continue to be strong options for Illinois homeowners; the best price for you will depend on your profile and ZIP code.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 5 Best Home Insurance Companies in Illinois<\/h2>\n\n\n\n<ul><li><a href=\"#allstate\" rel=\"nofollow\" class=\"achor-toggles\">Allstate<\/a>: Best for Coverage Options<\/li><li><a href=\"#american-family\" rel=\"nofollow\" class=\"achor-toggles\">American Family<\/a>: Best for New Homes<\/li><li><a href=\"#state-farm\" rel=\"nofollow\" class=\"achor-toggles\">State Farm<\/a>: Best for Digital Experience<\/li><li><a href=\"#country-financial\" rel=\"nofollow\" class=\"achor-toggles\">COUNTRY Financial<\/a>: Best for Bundling<\/li><li><a href=\"#usaa\" rel=\"nofollow\" class=\"achor-toggles\">USAA<\/a>: Best for Standard Policies<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"comparison\" title=\"Comparison\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Compare the Best Home Insurance Companies in Illinois&nbsp;<\/h2>\n\n\n\n<p>To determine the best homeowners insurance in Illinois, Reviews evaluated the market to find insurers with good consumer ratings, minimal customer complaints, and financial strength. We also sought carriers that offer affordable basic coverages and a selection of optional coverages, using recent resources like the Illinois Department of Insurance complaint ratios, the latest J.D. Power homeowners satisfaction study, and current rate research to inform our picks (<a href=\"https:\/\/idoi.illinois.gov\">IDOI complaint ratios<\/a>; <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">J.D. Power 2024<\/a>).<\/p>\n\n\n\t\t\n<section id=\"block_635d6c2d1e5e1\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\"><\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Annual Premium*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. Power**\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_635d6c2d1e5e1-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Allstate<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$930<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>815<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_635d6c2d1e5e1-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">American Family<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,090<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>842<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_635d6c2d1e5e1-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,138<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>829<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_635d6c2d1e5e1-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">COUNTRY Financial<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,525<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>830<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_635d6c2d1e5e1-5\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='5'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA***<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$802<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>884<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information accurate as of October 2022<\/em><\/p>\n\n\n\n<p><em>*2022 premium data provided by Bankrate.com<\/em><\/p>\n\n\n\n<p><em>**J.D. Power\u2019s<\/em><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2022-us-home-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"><em> 2022 U.S. Home Insurance Study<\/em><\/a><em>. Based on a 1,000-point scale.\u00a0<\/em><\/p>\n\n\n\n<p><em>***USAA is not ranked by J.D. Power due to eligibility requirements<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"allstate\" title=\"Best for Coverage Options\"><\/span>\n    \n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Coverage Options<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Allstate offers a range of coverage options that could help you tailor your policy to your needs. The company\u2019s discounts are also generous, making the company a good choice for anyone looking for solid coverage at a reasonable price.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,859480,11659822&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/Affiliate-home-desktop.html?CID=AFF-REV-HO-074205-200616&#038;campaign=444490000074205&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325257-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$930<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">815<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Allstate offers a range of coverage options that could help you tailor your policy to your needs. The company\u2019s discounts are also generous, making the company a good choice for anyone looking for solid coverage at a reasonable price.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Diverse coverage and discount opportunities<\/li>\n                            <li>Informative website and digital tools<\/li>\n                            <li>Above-average customer service<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>No replacement cost coverage endorsement advertised online<\/li>\n                                    <li>Financial strength ratings good, but not great<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Multi-policy<\/li>\n<li>Responsible payer<\/li>\n<li>Claim-free<\/li>\n<li>Welcome &amp; loyalty<\/li>\n<li>Automatic payments<\/li>\n<li>Early signing<\/li>\n<li>Homebuyer<\/li>\n<li>Protective device<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Add-On Coverages<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Multi-policy<\/li>\n<li>Responsible payer<\/li>\n<li>Claim-free<\/li>\n<li>Welcome &amp; loyalty<\/li>\n<li>Automatic payments<\/li>\n<li>Early signing<\/li>\n<li>Homebuyer<\/li>\n<li>Protective device<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"american-family\" title=\"Best for New Homes\"><\/span>\n    \n\n                                                \n\n\n<section id=\"american-family\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">American Family<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for New Homes<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                American Family Insurance makes it easy to decide on what type of homeowners insurance you need. The website provides comparisons of home insurance in Illinois, calculators, and inventory worksheets to help you get the right coverage.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=315496-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,090<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">842<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                American Family Insurance makes it easy to decide on what type of homeowners insurance you need. The website provides comparisons of home insurance in Illinois, calculators, and inventory worksheets to help you get the right coverage.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Customizable coverage options<\/li>\n                            <li>Helpful digital resources for new homebuyers<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Higher than average home insurance <a href=\"https:\/\/content.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&#038;COCODE=23450&#038;REALM=PROD&#038;COCODE=23450&#038;REALM=PROD\" rel=\"noopener\" target=\"_blank\">complaint index score<\/a><\/li>\n                                    <li>Limited coverage availability <\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Bundle &amp; save<\/li>\n<li>Age of home<\/li>\n<li>Various billing discounts<\/li>\n<li>Loyalty<\/li>\n<li>Generational<\/li>\n<li>Renovated home<\/li>\n<li>Smart Home<\/li>\n<li>Home Purchase<\/li>\n<li>Renovated Home<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Add-on coverages<\/h4>\n                <div> <ul>\n<li>Equipment breakdown<\/li>\n<li>Water backup<\/li>\n<li>Matching siding<\/li>\n<li>Credit theft protection &amp; monitoring<\/li>\n<li>Hidden water damage<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"state-farm\" title=\"Best for Digital Experience\"><\/span>\n    \n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Digital Experience<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                State Farm\u2019s Simple Insights blog is full of helpful tips for homeowners, ranging from insurance explanations to home maintenance and improvement.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331752-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,138<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">829<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                State Farm\u2019s Simple Insights blog is full of helpful tips for homeowners, ranging from insurance explanations to home maintenance and improvement.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Financially strong<\/li>\n                            <li>Excellent web presence<\/li>\n                            <li>19,000+ agents nationally<\/li>\n                            <li>Informative blog<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Limited discounts<\/li>\n                                    <li>Higher rates than some carriers<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts<\/h4>\n                <div> <ul>\n<li>Multi-line<\/li>\n<li>Home security<\/li>\n<li>Impact-resistant roof discount<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Add-on coverages<\/h4>\n                <div> <ul>\n<li>Replacement cost coverage<\/li>\n<li>Identity restoration coverage<\/li>\n<li>Water back up coverage<\/li>\n<li>Earthquake insurance<\/li>\n<li>Ordinance\/law coverage<\/li>\n<li>Personal articles coverage<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"country-financial\" title=\"Best for Bundling\"><\/span>\n    \n\n                                                \n\n\n<section id=\"country-financial\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">COUNTRY Financial<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Bundling<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                COUNTRY Financial offers home insurance, as well as a variety of other types of policies and financial services. If you\u2019d like to have all your insurance coverage in one place, you might save time and money by working with a single insurer.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=344332-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$2,525<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">830<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                COUNTRY Financial offers home insurance, as well as a variety of other types of policies and financial services. If you\u2019d like to have all your insurance coverage in one place, you might save time and money by working with a single insurer.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Local agents available<\/li>\n                            <li>24\/7 claims service<\/li>\n                            <li>Provides a variety of discounts<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Poorly-rated mobile app<\/li>\n                                    <li>High average premium<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts<\/h4>\n                <div> <ul>\n<li>Multi-policy<\/li>\n<li>Safe home<\/li>\n<li>New home<\/li>\n<li>Hail-resistive roof<\/li>\n<li>Safe heat<\/li>\n<li>Age of wiring<\/li>\n<li>New roof<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Add-on coverages<\/h4>\n                <div> <ul>\n<li>Water backup<\/li>\n<li>Earthquake<\/li>\n<li>Identity theft<\/li>\n<li>Flood insurance through the National Flood Insurance Program<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"usaa\" title=\"Best for Standard Policies\"><\/span>\n    \n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Standard Policies<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                USAA offers the lowest average home insurance rates in our study, and it earned the highest J.D. Power overall customer satisfaction score (although it does not officially rank due to eligibility restrictions). While other insurers only offer replacement cost coverage as an endorsement, USAA includes the protection in its standard policies.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.dpbolvw.net\/click-5941215-10998643?sid=r16491&#038;rvitemid=325264-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$802<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">884<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                USAA offers the lowest average home insurance rates in our study, and it earned the highest J.D. Power overall customer satisfaction score (although it does not officially rank due to eligibility restrictions). While other insurers only offer replacement cost coverage as an endorsement, USAA includes the protection in its standard policies.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Low average rates<\/li>\n                            <li>Good consumer ratings<\/li>\n                            <li>Standard home insurance policies <a href=\"https:\/\/www.usaa.com\/inet\/wc\/insurance_home_condo\" rel=\"noopener\" target=\"_blank\">include personal property replacement cost coverage<\/a><\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Only available to military members, veterans and their family members<\/li>\n                                    <li>No many optional coverages<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts<\/h4>\n                <div> <ul>\n<li>Bundle<\/li>\n<li>Protective device<\/li>\n<li>Safety device<\/li>\n<li>Multi-policy<\/li>\n<li>Loyalty<\/li>\n<li>Claims free<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Add-on coverages<\/h4>\n                <div> <ul>\n<li>Computer<\/li>\n<li>Valuable personal property<\/li>\n<li>Cell phone<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"average-cost\" title=\"Average Cost\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Average Cost of Home Insurance in Illinois<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Insurance Company<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><\/tr><tr><td>Allstate<\/td><td>Varies by profile and ZIP (get a 2025 quote)<\/td><\/tr><tr><td>American Family<\/td><td>Varies by profile and ZIP (get a 2025 quote)<\/td><\/tr><tr><td>Chubb<\/td><td>Varies by profile and ZIP (get a 2025 quote)<\/td><\/tr><tr><td>Country Financial<\/td><td>Varies by profile and ZIP (get a 2025 quote)<\/td><\/tr><tr><td>Encompass<\/td><td>Varies by profile and ZIP (get a 2025 quote)<\/td><\/tr><tr><td>Farmers<\/td><td>Varies by profile and ZIP (get a 2025 quote)<\/td><\/tr><tr><td>Hastings Mutual<\/td><td>Varies by profile and ZIP (get a 2025 quote)<\/td><\/tr><tr><td>Member Select Insurance<\/td><td>Varies by profile and ZIP (get a 2025 quote)<\/td><\/tr><tr><td>State Farm<\/td><td>Varies by profile and ZIP (get a 2025 quote)<\/td><\/tr><tr><td>Travelers<\/td><td>Varies by profile and ZIP (get a 2025 quote)<\/td><\/tr><tr><td>USAA<\/td><td>Varies by profile (eligibility restrictions apply)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*As of 2025, many current benchmarks assume about $300,000 in dwelling coverage, $300,000 in liability, and a $1,000 deductible; actual premiums vary by home, insurer, and location.<\/em><\/p>\n\n\n\n<p><em>Source: <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Bankrate.com<\/a><\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Cheapest home insurance in Illinois (2025): depends on your profile&nbsp;<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><\/tr><tr><td>USAA<\/td><td>Varies by profile; eligibility applies<\/td><\/tr><tr><td>Allstate<\/td><td>Varies by profile<\/td><\/tr><tr><td>Travelers<\/td><td>Varies by profile<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Cheapest carrier varies by home and ZIP. Recent state pages from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a> place the Illinois average in the mid-$2,000s for a $300,000 dwelling profile.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Highest-priced home insurance in Illinois (varies by profile)&nbsp;<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><\/tr><tr><td>COUNTRY Financial<\/td><td>Varies by profile<\/td><\/tr><tr><td>Chubb<\/td><td>Varies by profile<\/td><\/tr><tr><td>Encompass<\/td><td>Varies by profile<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Actual premiums depend on location, home characteristics, roof age\/materials, loss history, and deductible choices; shop multiple quotes to find your best rate (<a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/illinois\/\">Policygenius<\/a>).<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"key-things\" title=\"Key Things to Know\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Key Things to Know About Home Insurance in Illinois<\/h2>\n\n\n\n<p>Standard homeowners policies do not cover losses caused by sewer backups or floods. However, some insurers offer water backup endorsements that policyholders can add to their standard home insurance policies. Homeowners may also need to consider flood insurance. Some carriers sell private flood insurance, while others offer coverage through the <a href=\"https:\/\/www.fema.gov\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">National Flood Insurance Program<\/a> (NFIP). Homeowners can also purchase a policy directly from the NFIP. In wind- and hail-prone parts of Illinois, it\u2019s increasingly common to see separate wind\/hail or percentage deductibles and roof coverage limitations (e.g., ACV settlements or cosmetic-damage exclusions) unless you buy higher-tier options; clarify your deductible triggers and roof settlement terms before binding. FEMA\u2019s Risk Rating 2.0 continues to phase in more property-specific flood premiums across Illinois, which may raise or lower costs depending on your location (<a href=\"https:\/\/www.fema.gov\">FEMA Risk Rating 2.0<\/a>).<\/p>\n\n\n\n<p>Since most home insurance policies impose sub-limits for certain types of personal property, people with expensive belongings, like artwork, jewelry, or musical instruments, may need the protection of a scheduled personal property endorsement. Homeowners might also want to shop for insurers that offer replacement cost coverage endorsements for increased coverage. Most home insurance policies pay the depreciated value for personal property losses, but replacement cost coverage pays to replace items without depreciation. Other useful add-ons now widely available include service line coverage (<a href=\"https:\/\/www.erieinsurance.com\/blog\/service-line-coverage\">learn more<\/a>), equipment breakdown\/home systems protection (<a href=\"https:\/\/www.travelers.com\">what it covers<\/a>), and personal cyber\/identity protection (<a href=\"https:\/\/content.naic.org\">NAIC overview<\/a>). Illinois also prohibits insurers from denying, canceling, or nonrenewing homeowners policies solely due to a dog\u2019s breed; underwriting may still consider documented bite history (<a href=\"https:\/\/www.ilga.gov\/legislation\/BillStatus.asp?DocNum=1049&#038;GA=103&#038;DocTypeID=HB\">HB1049<\/a>; <a href=\"https:\/\/insurance.illinois.gov\/\">IDOI<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Home Insurance Coverage Options&nbsp;<\/h3>\n\n\n\n<p>Some homeowners may only need the coverage of a standard homeowners policy, but others may require more robust protection. For example, if a homeowner has a swimming pool and likes to entertain guests, they might consider increasing their liability protection by purchasing an umbrella insurance policy. Umbrella insurance kicks in when a claim exceeds the home insurance policy\u2019s personal liability limit. If you rent out part or all of your home on a short-term basis, ask about specific home-sharing\/host endorsements or separate policies to avoid coverage gaps (<a href=\"https:\/\/www.iii.org\/article\/home-sharing-and-homeowners-insurance\">learn more<\/a>).<\/p>\n\n\n\n<p>Optional coverages vary by provider, but some insurers offer a variety of garden and yard protections that pay to remove downed trees or replace damaged shrubs and plants, following a covered loss. Many carriers offer optional credit card and identity theft endorsements and some offer ordinance or law coverage, which pays the extra costs of bringing an older home up to code, following a covered loss. Also consider endorsements for sewer\/sump backup (<a href=\"https:\/\/www.iii.org\/article\/sewer-backup-coverage\">coverage explained<\/a>), underground service lines, equipment breakdown of home systems, and increased dwelling protection such as extended or guaranteed replacement cost to better address construction-cost volatility (<a href=\"https:\/\/www.iii.org\/article\/how-much-homeowners-insurance-do-i-need\">Triple\u2011I guidance<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Frequently Asked Questions\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n<div id=\"block_635d6e441e608\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is homeowners insurance required in Illinois?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Homeowners insurance is not required by law in Illinois, but your mortgage lender will likely require coverage. Even if you don\u2019t have a mortgage, though, homeowners insurance is still an important financial purchase to consider. In certain counties, insurers must offer mine subsidence coverage as an endorsement, and if you\u2019re unable to find coverage in the voluntary market, the Illinois FAIR Plan may be an option (see the Illinois Mine Subsidence Insurance Fund and the Illinois FAIR Plan for details).<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_635d6e551e609\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the cheapest homeowners insurance in Illinois?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>According to recent statewide rate studies, Illinois\u2019 average homeowners premium is in the mid-$2,000s per year for a profile with about $300,000 in dwelling coverage and a $1,000 deductible, but the cheapest insurer for you depends on your home, ZIP code, roof age\/materials, and coverage choices. Get quotes from at least 3\u20135 companies, including regional\/mutual carriers alongside national brands; Chicago-area rates often run higher than some downstate areas. Eligibility restrictions apply for USAA. Current benchmarks: <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/illinois\/\">Policygenius<\/a>.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology&nbsp;<\/h2>\n\n\n\n<p>We evaluated the companies based on their third-party agency ratings for customer experience, financial stability, and coverage options to determine which might be the best providers.\u00a0We also reviewed recent Illinois complaint ratios, national satisfaction studies, and current statewide rate research to keep this guide up to date.<\/p>\n\n\n\n<p>To compare home insurance companies across the board, we considered the following factors:<\/p>\n\n\n\n<ul><li><strong>Customer Ratings:<\/strong> Customer ratings are an indication of satisfaction with the overall experience with a company. We measured this using<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"> 2024 J.D. Power U.S. Home Insurance Study<\/a> ratings.<\/li><li><strong>Coverage:<\/strong> As there isn\u2019t one company to fit everyone\u2019s needs, we evaluated companies by the amount of coverage options and add-ons available.\u00a0<\/li><li><strong>Confidence:<\/strong> It is extremely important for insurance companies to fulfill customers\u2019 claims. Companies with sound financial strength ratings indicate a positive history of being able to pay out claims. We measured this using AM Best ratings.<\/li><li><strong>Customer Experience:<\/strong> The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the National Association of Insurance Companies National Complaint Index.<\/li><\/ul>\n\n\n\n<p>Rates and averages referenced in this guide draw on current statewide analyses from sources like Bankrate (2025) and were cross-checked with Forbes Advisor and Policygenius. These are sample estimates and should be used for comparative purposes only. Your quotes may be different.<\/p>\n\n\n\n<p>The coverage limits for home insurance rates reflect the following coverage and limits:<\/p>\n\n\n\n<ul><li>Coverage A, Dwelling: $300,000<\/li><li>Coverage B, Other Structures: $25,000<\/li><li>Coverage C, Personal Property: $125,000<\/li><li>Coverage D, Loss of Use: $50,000<\/li><li>Coverage E, Liability: $300,000<\/li><li>Coverage F, Medical Payments: $1,000<\/li><\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Purchasing a home insurance policy can protect the homeowner\u2019s assets when disaster strikes, and if they finance a house, the lender will require them to carry a policy. As of 2025, recent statewide analyses indicate Illinois homeowners pay roughly the mid-$2,000s per year on average for a standard policy with about $300,000 in dwelling coverage, [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":353513,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[],"post_author":[5838],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Homeowners Insurance in Illinois - Reviews.com<\/title>\n<meta name=\"description\" content=\"We have reviewed The Best Illinois Homeowners Insurance Company\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-illinois\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Best Homeowners Insurance in Illinois - Reviews.com\" \/>\n<meta property=\"og:description\" content=\"We have reviewed The Best Illinois Homeowners Insurance Company\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-illinois\/\" \/>\n<meta property=\"og:site_name\" content=\"Reviews.com\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Reviewscom\/\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2020\/09\/GettyImages-157286746.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1440\" \/>\n\t<meta property=\"og:image:height\" content=\"960\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@Reviews\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-illinois\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.reviews.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Insurance\",\"item\":\"https:\/\/www.reviews.com\/insurance\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Homeowners\",\"item\":\"https:\/\/www.reviews.com\/insurance\/homeowners\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"The Best Homeowners Insurance in Illinois\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.reviews.com\/#website\",\"url\":\"https:\/\/www.reviews.com\/\",\"name\":\"Reviews.com\",\"description\":\"Your Guide to the Best Services\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.reviews.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"The Best Homeowners Insurance in Illinois - Reviews.com","description":"We have reviewed The Best Illinois Homeowners Insurance Company","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-illinois\/","og_locale":"en_US","og_type":"article","og_title":"The Best Homeowners Insurance in Illinois - Reviews.com","og_description":"We have reviewed The Best Illinois Homeowners Insurance Company","og_url":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-illinois\/","og_site_name":"Reviews.com","article_publisher":"https:\/\/www.facebook.com\/Reviewscom\/","og_image":[{"width":1440,"height":960,"url":"https:\/\/www.reviews.com\/wp-content\/uploads\/2020\/09\/GettyImages-157286746.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@Reviews","twitter_misc":{"Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BreadcrumbList","@id":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-illinois\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.reviews.com\/"},{"@type":"ListItem","position":2,"name":"Insurance","item":"https:\/\/www.reviews.com\/insurance\/"},{"@type":"ListItem","position":3,"name":"Homeowners","item":"https:\/\/www.reviews.com\/insurance\/homeowners\/"},{"@type":"ListItem","position":4,"name":"The Best Homeowners Insurance in Illinois"}]},{"@type":"WebSite","@id":"https:\/\/www.reviews.com\/#website","url":"https:\/\/www.reviews.com\/","name":"Reviews.com","description":"Your Guide to the Best Services","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.reviews.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/324459"}],"collection":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/users\/345"}],"replies":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/comments?post=324459"}],"version-history":[{"count":0,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/324459\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/1691"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/media\/353513"}],"wp:attachment":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/media?parent=324459"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/categories?post=324459"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/tags?post=324459"},{"taxonomy":"post_author","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/post_author?post=324459"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}