Homeowners Insurance Illinois

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 seguro de viviendas 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:
 
  • La cobertura de vivienda to help protect your home, and the structures attached to it, from property damage.
  • La cobertura de propiedad personal to help cover your costs to fix or replace damaged belongings from a covered loss.
  • La cobertura por responsabilidad civil 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.
Año 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.
 

Descuentos por varias pólizas

If you bundle your Illinois home insurance and car insurance with The Hartford, you can get a bundling discount. You can save up to 12% on auto insurance and up to 20% on homeowners insurance in IL.** Our customers save an average of $813 a year when they bundle their auto and home policies.**
 

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 hoy mismo o llame al  888-413-8970 to speak with one of our specialists.
 
 
Última actualización: 2 de abril de 2024
 
2 Los gastos médicos se calculan en base a cargos usuales, habituales y razonables.
 
3 Insurance Information Institute (III), Facts + Statistics: Homeowners and Renters Insurance.
** Los montos de ahorro promedio se basan en información comunicada por los clientes que se cambiaron a The Hartford desde otras compañías entre 9/1/22 y 8/31/23. Su ahorro puede variar. El ahorro promedio en el seguro para automóviles es de $577 y el ahorro promedio en el seguro de viviendas es de $236. Las diferencias de tarifas entre los afiliados y los no afiliados de AARP varían según el estado y la antigüedad de los afiliados de AARP. El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y de viviendas AARP de The Hartford. .The Hartford no suscribe nuevos negocios en todas las áreas, incluidos los estados de CA y FL.
 
§ La disponibilidad del beneficio RecoverCare y los niveles del beneficio varían según el estado. The Hartford RecoverCare Advantage® es una marca registrada de The Hartford.
 
§§ Se aplican términos y condiciones.
 
‡ Se aplican términos y condiciones. La exención por accidente y la desaparición progresiva del deducible no están disponibles para asegurados de California.
 
‡‡ Se aplican términos y condiciones. La disponibilidad varía según el estado.
 
‡‡‡ Con base a un auto y conductor; la tarifa/prima/ahorros individuales variarán según las selecciones de cobertura reales y las características de los vehículos/conductores.
 
Divulgaciones adicionales a continuación.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
 
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
 
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
 
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
 
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.
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