Homeowners Insurance Illinois

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Selecting the Right Home Insurance in Illinois

homeowners insurance illinoisHomeowners insurance in Illinois helps residents in the Prairie State protect their home and personal property. Your home in Illinois faces serious risks like fires, lightning and burglary. With Illinois homeowners insurance through the AARP® Homeowners Insurance Program from The Hartford,1 you can stay protected if your property gets damaged.
 

What Exactly Does IL Home Insurance Cover?

Home insurance can help protect your property wherever you are in Illinois, whether that’s Chicago, Aurora, Rockford, Springfield or anywhere in between. Your home insurance policy from The Hartford comes with standard coverages that help protect you against different risks, up to your policy limits. These types of insurance coverages that are typically found in a homeowners policy include:
 
  • Dwelling coverage to help protect your home, and the structures attached to it, from property damage.
  • Personal property coverage to help cover your costs to fix or replace damaged belongings from a covered loss.
  • Personal liability coverage to help cover claims that say you’re responsible for bodily injury or property damage.
  • Other structures coverage to help protect buildings on your property that aren’t attached to your home.
  • Loss of use coverage to help pay for your living expenses if your house is unlivable due to damages from a covered loss.
  • Medical payments coverage to help cover someone else’s treatment expenses if they get hurt on your property. It also can help cover any injuries caused by a member of your household or pet, regardless of where it happens.2
  • ProtectorPLUS Zero Deductible Benefit coverage‡‡ to waive up to $5,000 off your base policy deductible if your home sustains a large loss in damages. Say a tree falls during a storm and lands on your roof. After you file a claim, your home insurance company determines there is $30,000 in damages. This benefit would waive your deductible.

Does Illinois Require Homeowners Insurance?

Illinois doesn’t require homeowners insurance by law. However, it’s still a good idea to get coverage to help protect your home and belongings. If you have a mortgage on your home, your lender may also require you to have insurance.
 

Additional Homeowners Insurance Coverages for IL Homeowners

a couple knowing their home is protected with illinois home insuranceTo help cover your unique needs, you can customize your IL homeowners insurance policy.
 
Some insurance coverage options you can add to your home policy are:
 
  • Additional Limits coverage to help cover your costs to rebuild your home, at an amount up to 125% of your policy limits, if it’s a total loss. Depending on where you live, your policy can cover your costs up to 150% of your coverage limits. So, if a fire damages your home, this coverage can help cover costs for building materials and construction.
  • Water backup and sump pump overflow to help protect your property from backed up water or overflow from your sump pump. It’s important to know this coverage doesn’t cover damages from flood or surface water. So, if a heavy rainstorm causes flooding damage, it won't cover your claim.
  • Valuable items blanket coverage to increase coverage limits on your valuables, like silverware and jewelry. This coverage increases the limit to $10,000 per item and extends coverage for lost or damaged valuables.
  • Reimbursement for replacing locks to help cover up to $500 to replace locks if your keys get lost or stolen, with a $100 deductible.
  • Identity fraud expense coverage to help you recover after fraud or identity theft by compensating you for out-of-pocket expenses up to certain limits (see your policy for limits).
  • Personal injury liability coverage to help cover damages from a slander or libel claim.
  • “New for Old” Protection‡‡ to replace your destroyed belongings with new ones of the same quality. So, if a fire destroys your furniture, we’ll help provide the actual cost to replace them.
  • Disappearing property deductible,‡‡ which reduces your deductible each year if you go three consecutive years without filing a claim.
  • Equipment breakdown coverage to help cover mechanical or electrical breakdown of your appliances. For example, if your dishwasher’s electrical components break down, we can help cover your repair costs. Keep in mind this does not cover normal wear and tear. This benefit also provides coverage if you want to make “green” upgrades. It pays up to 125% of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly.
Be aware that your Illinois homeowners policy doesn’t cover certain natural disasters, like floods. Also, your policy may have an additional deductible for wind or hail. And in a state that has a city known as the Windy City, making sure you have the right coverage to protect against these risks is important. You can work with one of The Hartford’s insurance specialists by calling 888-413-8970 to find the best coverage to protect your home in Illinois.
 

What Is the Average Cost of Homeowners Insurance in Illinois?

According to the Insurance Information Institute (III), the average homeowners insurance rate in Illinois in 2019 was $1,054, which was lower than the national average of $1,272.3 Different factors, like your location, affect home insurance premiums, which means the cost of homeowners insurance will vary.
Year Illinois Average Homeowners Insurance Cost National Average Homeowners Insurance Cost
2019 $1,154 $1,272
2018 $1,103 $1,249
2017 $1,056 $1,211
Some home insurance companies, like The Hartford, offer additional discounts for making your home safer. For example, we offer a home security credit if you install safety devices, like burglar alarms and fire sprinkler systems.
 

Multi-Policy Discounts

You may be eligible for an auto and home insurance discount if you bundle your Illinois home insurance with car insurance. For example, if you cover both your car and home through the AARP® Auto and Home Insurance Program from The Hartford,1 you can save up to 5% on your auto policy and 20% on your homeowners policy.**
 

Get an Illinois Homeowners Insurance Quote From The Hartford

It’s important to work with a homeowners insurance company that has experience. The Hartford offers the only insurance program endorsed by AARP and we provide flexible options, savings and expert service. With coverage from us, you’ll know your home is getting the best protection possible.
 
The Hartford is here to help get you the coverage you need for your Illinois homeowners insurance. Get a home insurance quote today or call 888-413-8970 to speak with one of our specialists.
 
 
Last Updated: June 22, 2023
 
2 Medical payments are calculated on the basis of usual, customary and reasonable charges.
 
3 Insurance Information Institute (III), Facts + Statistics: Homeowners and Renters Insurance.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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