Best Homeowners Insurance in Illinois (2024)

The premier home insurance company in Illinois is Auto-Owners, yet the right choice depends on individual requirements. If you're seeking economic options, Auto-Owners offers affordability and robust coverage options.

Unless otherwise stated, we used a $100,000 dwelling coverage limit to collect quotes. The amount of dwelling coverage you need will influence your premium.

When determining your premium, the dwelling coverage amount is a significant factor when determining how much home insurance you need. Additionally, MoneyGeek's analysis of the cheapest home insurance in Illinois provides valuable information if budget is your top priority.

Auto-Owners emerges as the best provider of home insurance in Illinois, delivering exceptional quality to homeowners. For those seeking the best overall homeowners insurance providers in Illinois, the leading companies are outlined below.

• Auto-Owners: MoneyGeek score of 96 out of 100 ($1,207 per year)
• State Farm: MoneyGeek score of 92 out of 100 ($912 per year)

Homeowners in Illinois have several options when it comes to insurance, each offering various levels of cost and service. It's crucial to strike the right balance between affordability and quality service to suit your specific needs.

Auto-Owners provides the best home insurance in Illinois based on service quality. Take a look at the best homeowners insurance providers in Illinois for service quality below.

• Auto-Owners: MoneyGeek score of 97 out of 100 ($1,207 per year)
• American Family: MoneyGeek score of 87 out of 100 ($1,610 per year)

Homeowners should opt for insurers that offer high-quality service to ensure peace of mind; imagine the relief when your provider is responsive and supportive after storm damage to your home.

Looking for the top Auto-Owners offers the best affordable home insurance in Illinois for those on a tight budget. Take a look at the best and cheapest homeowners insurance providers in Illinois for those on a budget below.

• Auto-Owners: MoneyGeek score of 96 out of 100 ($1,207 per year)
• State Farm: MoneyGeek score of 96 out of 100 ($912 per year)

While Auto-Ownershas an affordability score of 72 out of 75, be aware that the cheapest premiums do not always equate to the best service. Considering the average cost of home insurance in Illinois, it's crucial to find a balance between cost savings and reliable service.

Auto-Owners offers the best home insurance in Illinois for those with expensive homes. These providers are exceptional for homeowners needing up to $1 million in dwelling coverage.

• Auto-Owners: MoneyGeek score of 92 out of 100 ($7,372 per year)
• State Farm: MoneyGeek score of 92 out of 100 ($5,044 per year)

With an affordability score of 46 out of 55, Auto-Owners stands out in the high-end home insurance market. Expensive homes necessitate more coverage, increasing costs, so finding the right provider is essential.

Auto-Owners is the choice for the best home insurance in Illinois for those with new homes. Our analysis highlights the best and cheapest homeowners insurance providers in Illinois for $500K in dwelling coverage for new homes.

• Auto-Owners: MoneyGeek score of 91 out of 100 ($2,021 per year)
• Nationwide: MoneyGeek score of 80 out of 100 ($1,266 per year)

With an affordability score of 46 and an excellent service score of 30, Auto-Owners offers new homeowners in Illinois a superior balance of cost and customer service, ensuring peace of mind without breaking the bank.

For veterans in Illinois, USAA stands out as the best home insurance provider. Their policies cater exclusively to military members, veterans, and their families. USAA's annual premium is $1,036, showcasing a steadfast commitment to affordability. Take a look at the best and most economical homeowners insurance providers in Illinois for veterans and military families below.

• USAA: MoneyGeek score of 93 ($1,036 per year)
• Auto-Owners Insurance: MoneyGeek score of 85 ($1,207 per year)

The leading homeowners insurance company for veterans understands their unique life circumstances. These top insurers ensure homes and possessions are safeguarded, even amidst frequent relocations and deployments.

Discovering the ideal homeowners insurance for your situation requires a thorough assessment of individual necessities and preferences. In the steps below, we'll guide you through the methodical process of identifying a policy that affords optimal protection and value for your unique circumstances.

Selecting the best homeowners insurance provider in Illinois hinges on aligning with your unique requirements. Consider the following frequently asked questions to guide your decision process.