$1,350
Avg Annual Premium
$112
Monthly Cost
26% below
vs National Avg
15%
Potential Savings
Cheapest Home Insurance in Illinois
| Company | Avg Annual Rate | vs State Avg |
|---|---|---|
| State Farm | $1,148 | -15% |
| USAA (Military) | $1,080 | -20% |
| Allstate | $1,418 | +5% |
| Liberty Mutual | $1,485 | +10% |
What Does Illinois Home Insurance Cover?
- Dwelling: Structure of your home
- Personal Property: Belongings inside
- Liability: Protection if someone is injured
- Loss of Use: Living expenses during repairs
How to Save on Illinois Home Insurance
- Bundle with auto insurance (save 15-20%)
- Increase your deductible to $1,000-$2,500
- Install security systems and smoke detectors
- Maintain a good credit score
- Compare quotes from at least 3 companies