The Best Home Insurance in Illinois for 2025

Chubb and Country Financial are among the best home insurance companies in Illinois, according to our analysis.

We analyzed data from more than 30 insurance companies to help you find the best home insurance in Illinois. Below are the insurers that earned 4.5 stars or more in our analysis. Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

» MORE: The best homeowners insurance

The best home insurance companies in Illinois

Amica stands out for its customer service and broad range of coverage options. The company has drawn far fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners.

You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for damage from water backups or recovery from identity theft.

» READ MORE: Amica homeowners insurance review

Auto-Owners has been in business for more than a century. Its homeowners policies include all the basics, but you can also add coverage for things like identity theft or equipment breakdown (the failure of home appliances). Guaranteed replacement cost coverage is another optional add-on, enabling you to rebuild your home after a total loss even if your dwelling coverage limit is too low.

Auto-Owners sells homeowners insurance through independent agents.

» READ MORE: Auto-Owners homeowners insurance review

Chubb caters to owners of high-value homes and draws far fewer consumer complaints than expected for a company of its size, according to the NAIC. Its home insurance policies come with some great perks, including extended replacement cost coverage in case it costs more than your dwelling limit to rebuild your home after a disaster.

Chubb policyholders may also be able to take advantage of the company’s HomeScan service, which uses infrared cameras to look for problems behind the walls of your home.

» READ MORE: Chubb homeowners insurance review

Country Financial has multiple levels of homeowners coverage to help you choose the package that’s best for you. You also have the option to add extra coverage for the structure of your home, in case inflation drives up the cost of rebuilding more than you expect.

Country Financial sells homeowners insurance through local representatives. The company has drawn far fewer complaints than expected to state regulators.

» READ MORE: Country Financial homeowners insurance review

Erie offers guaranteed replacement cost coverage for the structure of your home. With this coverage, the company will pay to rebuild your home completely after a disaster, even if the amount exceeds your dwelling limit.

Got a car to insure, too? If you bundle your home and auto insurance with Erie, you could get a discount of 16% or more. You may also be able to save if your home has certain safety and security features such as smoke alarms or sprinkler systems.

» READ MORE: Erie homeowners insurance review

Allstate is one of the largest home insurance companies in the U.S. The company offers many ways to customize your policy, including replacement cost coverage for your personal property and water backup coverage, which applies if sewer lines or sump pumps back up and damage your home. Other, less common options may include home-sharing coverage and reimbursement for replacing damaged items with energy-efficient versions.

You may also be able to upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards, which takes $100 off your deductible for signing up, plus an additional $100 off for each year you go claim-free. And if you do file a claim, your rates won’t go up.

» READ MORE: Allstate homeowners insurance review

American Family receives far fewer consumer complaints than expected for a company of its size, which suggests policyholders tend to be happy with its service. You may be able to add coverage for identity theft, the breakdown of major appliances or repairs to service lines that run to your house.

Discounts may be available for installing smart-home devices, bundling multiple policies or setting up automatic payments.

» READ MORE: American Family homeowners insurance review

The Andover Companies’ home insurance policies generally come with broader coverage for your belongings and more coverage for the structure of your home than a standard homeowners policy provides. (Note that most but not all homes qualify for this coverage.)

Most Andover policies also include a generous amount of ordinance or law coverage, which pays to upgrade your home to current building codes during repairs after a covered claim.

» READ MORE: Andover Companies homeowners insurance review

Auto Club Group is one of several companies selling AAA-branded homeowners insurance policies. Options may include coverage for underground utility lines that serve your home, major appliances that break down or flood damage in lower-risk areas.

You may be able to save on your premiums by bundling home and auto insurance. However, you’ll want to weigh the savings against the cost of AAA membership, which may be required in order to buy a policy.

» READ MORE: AAA homeowners insurance review

Cincinnati Insurance sells homeowners policies through independent agents, with various options for standard and high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

Cincinnati may offer you a discount for bundling home and auto insurance, having a newer home or installing a centrally monitored alarm system.

» READ MORE: Cincinnati Insurance homeowners insurance review

Farmers stands out for its lengthy list of discounts, including ones for installing protective systems like fire alarms and sprinklers, not smoking for the past two years, and paying your premium on time.

Add-on options include personal property replacement cost coverage, which will fully reimburse you for the cost of replacing a stolen, damaged or destroyed item. You may also want to buy coverage for water damage caused by backed-up drains or sewer lines.

» READ MORE: Farmers homeowners insurance review

The Hanover gives homeowners lots of choices. You can opt for an auto/home package, a policy designed for high-value homes or a standalone policy for a standard house. You can further customize your policy with a range of options such as guaranteed replacement cost coverage, which will pay as much as it takes to rebuild your home after a disaster.

The Hanover sells policies exclusively through local independent agents. That means online quotes aren’t available, but you can get personal service to help you choose the right coverage.

» READ MORE: Hanover homeowners insurance review

Nationwide’s standard homeowners policies include ordinance or law coverage, which pays to bring your home up to the latest building codes after a covered claim. They also include coverage for unauthorized credit or debit transactions. For an extra cost, you may be able to add coverage for things like water backup damage, identity theft and stronger materials to replace your roof.

Depending on how much personal assistance you need, you can get a quote for homeowners insurance on the Nationwide website or work with a local agent instead. You can also use the website to pay bills, file claims or check claim status.

» READ MORE: Nationwide homeowners insurance review

Openly’s default homeowners policy goes significantly beyond those of many other insurers. Most notably, it offers guaranteed replacement cost coverage for the structure of your home. That means if your house is destroyed by a covered disaster, Openly will pay whatever it takes to rebuild it the way it was before, up to $5 million.

Plus, if your things are stolen or destroyed, Openly will pay enough for you to buy brand-new replacements, rather than paying less for older items that have lost value over time. It also covers your belongings on an “open perils” basis, paying for damage from anything except scenarios your policy excludes. Most home insurance policies cover damage only from causes specifically named in your policy.

» READ MORE: Openly homeowners insurance review

As America’s largest home insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home after a covered disaster. You may also be able to add coverage for things like identity theft, damage from backed-up drains and personal injury liability.

State Farm offers a free Ting device as a perk for home insurance policyholders. Ting is a smart plug that monitors your home’s electrical network to help prevent fires.

» READ MORE: State Farm homeowners insurance review

Travelers offers a robust online experience. You can use the website to get a homeowners insurance quote, file and track claims, make payments, and learn about insurance basics.

Its coverage offerings are similarly strong. For example, you may be able to add extra coverage in case the dwelling limit on your home isn’t enough to rebuild your house after a disaster. One unique option is Travelers’ green home coverage, which pays extra if you want to use eco-friendly materials when repairing or rebuilding your home after a covered claim.

» READ MORE: Travelers homeowners insurance review

USAA sells homeowners insurance to veterans, active military members and their families. If that description fits you, you may want to consider a USAA policy. That’s because the company’s homeowners insurance has certain features that other insurers may charge extra for.

For example, USAA automatically covers your personal belongings on a replacement cost basis. Many companies pay out only what your items are worth at the time of the claim, which means you may not get much for older items. USAA pays enough for you to buy brand-new replacements for your stuff.

How much does homeowners insurance cost in Illinois?

The average annual cost of home insurance in Illinois is $2,420. That’s 15% more than the national average of $2,110.

In most U.S. states, including Illinois, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In Illinois, those with poor credit pay an average of $4,765 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s nearly double the price that those with good credit pay.

» MORE: Does your credit score affect home insurance rates?

Average cost of homeowners insurance in Illinois by city

How much you pay for home insurance in Illinois depends on where you live. For example, the average cost of homeowners insurance in Chicago is $2,750 per year, or about $229 per month. In Aurora, homeowners insurance costs about $2,275 per year or $190 per month, on average.

» MORE: What’s the average cost of homeowners insurance?

The cheapest home insurance in Illinois

Here are the insurers we found with average annual rates below the Illinois average of $2,420.

» MORE: The cheapest homeowners insurance

Common risks for Illinois homeowners

Here are a few things to keep in mind when evaluating home insurance options in Illinois.

Floods

Homeowners insurance generally doesn’t cover flood damage, so if your home is at risk, you may need to buy a separate flood insurance policy. Most people get this coverage through the federal government’s National Flood Insurance Program, though private flood insurance may also be available in your area.

» MORE: Do I need flood insurance?

To check your flood risk, start by looking up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk. You may want to check another source, like First Street, a private company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating on a scale of 1 to 10.

Tornadoes

A standard homeowners insurance policy typically covers damage from a tornado, along with any additional living expenses you might have if the storm leaves your home unlivable.

» MORE: Does homeowners insurance cover tornadoes?

Winter storms

If a heavy blizzard knocks a tree onto your roof or frigid weather causes a pipe to burst, your homeowners insurance policy will likely cover the damage. Snow and ice are among the “perils,” or causes of damage, that a standard homeowners policy covers.

» MORE: How to file a home insurance claim

Illinois Department of Insurance

Got a complaint about your insurance company? Confused about your rights as a policyholder? The Illinois Department of Insurance may be able to assist. On the agency’s website, you can look up insurance companies, file a complaint or chat with a virtual assistant in English or Spanish. For personalized help, you can call the agency’s customer hotline at 866-445-5364.

The agency also provides information on your rights as a homeowner in Illinois. For example, your insurance company must give you at least 30 days’ notice if it’s canceling your homeowners policy for any reason other than nonpayment. If at least three companies refuse to cover your home, you may be eligible for a policy from the Illinois FAIR Plan, the state’s insurer of last resort.