The Best Home Insurance in Illinois for 2025

Chubb, Andover Companies and USAA are among the best home insurance companies in Illinois, according to our analysis.

To help you find the best home insurance in Illinois, we gathered and analyzed data from insurance companies around the state. These are the insurers that earned 4.6 stars or more.

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.

» MORE: The best homeowners insurance

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.

Chubb caters to affluent homeowners, offering coverage other insurers often charge extra for. For example, the company’s policies include extended replacement cost coverage for the structure of your home. This is useful in case it costs more than your dwelling limit to rebuild after a disaster. Chubb’s standard policies also cover water damage from backed-up sewers and drains.

Policyholders may be eligible for Chubb’s HomeScan service, which uses infrared cameras to scan for problems in the walls of your home.

» READ MORE: Chubb homeowners insurance review

The Andover Companies’ home insurance generally comes with more coverage than a standard policy provides. A standout policy feature is Andover’s guaranteed replacement cost coverage for most homes. This means Andover will pay to rebuild your home after a covered claim, no matter what it costs.

Most Andover policies also include replacement cost coverage for your personal belongings, which means you’ll get enough to buy brand-new stuff after a covered claim. You can add coverage for valuables like jewelry or firearms, or to replace refrigerated food you have to throw out after a covered power outage.

» READ MORE: Andover Companies homeowners insurance review

Amica shines when it comes to customer service. It draws a very low rate of complaints compared to other insurers, according to the National Association of Insurance Commissioners. Amica also earned high marks in two recent J.D. Power surveys about home insurance and customer satisfaction.

The company stands out for its broad range of coverage options. For example, you can customize your policy with extra coverage above your dwelling limit. This could be useful in case your house costs more to rebuild than expected. You may also want to add coverage for identity theft or damage from backed-up drains.

» READ MORE: Amica homeowners insurance review

If you want to support companies that value sustainability, consider Cincinnati Insurance. In recent years, the insurer has reduced fossil fuel emissions from both its facilities and company vehicles. When you buy Cincinnati home insurance, you may be able to add a “green upgrade” endorsement. With this coverage, you can use eco-friendly materials to repair or rebuild your home after a claim.

The company offers lots of other options, including comprehensive coverage for high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

» READ MORE: Cincinnati 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.

You may be able to add coverage for things like identity theft and water damage from backed-up drains. Another option may be to add an inflation guard rider to your policy. This automatically increases your policy limits to keep up with rising costs.

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

» READ MORE: State Farm homeowners insurance review

Country Financial has multiple levels of homeowners coverage to help you choose the package that’s best for you. You can also add extra coverage for the structure of your home, in case your policy limit isn’t enough to cover the cost of rebuilding.

Country Financial sells homeowners insurance through local representatives. The company draws a very low rate of consumer complaints to state regulators.

» READ MORE: Country Financial homeowners insurance review

Erie stands out by including guaranteed replacement cost coverage for the structure of your home in most of the states it covers. With this coverage, the company will pay to rebuild your home completely after a disaster, even if the amount exceeds your dwelling limit. Many insurers don’t offer this at all, even as an option.

If you bundle your home and auto insurance with Erie, you could get a discount of 15% or more. You may also be able to save on your premium if your home has safety and security features such as smoke alarms or sprinkler systems.

» READ MORE: Erie homeowners insurance review

USAA sells homeowners insurance to active military members, veterans and their families. If that’s you, you may want to consider USAA.

The company offers some perks that are specific to members of the military, like deductible-free coverage for military uniforms and equipment. USAA will also waive your deductible if your personal property is damaged or lost due to war.

USAA homeowners insurance has certain features that many insurers charge extra for. For example, USAA covers your personal belongings on a replacement cost basis. That means you’ll get enough money to buy brand-new replacements for damaged items. Many companies pay only what your items are worth at the time of the claim.

» READ MORE: USAA homeowners insurance review

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?

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?

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

» MORE: The cheapest homeowners insurance

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 caused by a tornado, along with any additional living expenses you might have if you can’t stay in your home due to storm damage.

» MORE: Does homeowners insurance cover tornadoes?

Winter storms

Your home insurance will likely cover damage caused by winter weather, such as a tree that falls on your roof or a frozen pipe that bursts. 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

If you need to file a complaint about your insurer or have a question about your rights as a policyholder, the Illinois Department of Insurance can help. You can look up insurance companies and, file a complaint on the agency’s website. The agency also provides information for people who speak Spanish, Polish and Korean. 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.

How we rate homeowners insurance

NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.

In our research, we analyzed:

View our complete homeowners insurance rating methodology.