Affordable Homeowners Insurance in Illinois

Top Companies

Shelter

3.8
- Many endorsement choices
- Multiple discounts offered
- An A (Excellent) financial strength rating from AM Best
- Many endorsement choices
- Multiple discounts offered
- An A (Excellent) financial strength rating from AM Best
$3661

/ year

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Farm Bureau

4.0
- Option to combine homeowners and auto policies at most locations
- Multiple discounts offered to reduce your premium
- Coverage choices can be customized for your state's specific risks
- Option to combine homeowners and auto policies at most locations
- Multiple discounts offered to reduce your premium
- Coverage choices can be customized for your state's specific risks
$4187

/ year

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Nationwide

4.2
- Many policy recommendations
- Multiple discount options
- Local representatives on hand
- Many policy recommendations
- Multiple discount options
- Local representatives on hand
$2031

/ year

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Travelers

4.0
- Multiple endorsements offered
- Provides a green home discount
- Includes a free home history tool named OpenHouse for buyers
- Multiple endorsements offered
- Provides a green home discount
- Includes a free home history tool named OpenHouse for buyers
$2787

/ year

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PURE

4.1
- Policies are designed for high-value homes
- Policies offer numerous standard coverages that other carriers often list as optional
- Member Advocacy services can assist in preventing or reducing damage and aid recovery after a claim
- Policies are designed for high-value homes
- Policies offer numerous standard coverages that other carriers often list as optional
- Member Advocacy services can assist in preventing or reducing damage and aid recovery after a claim
$4114

/ year

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Auto-Owners

4.3
- Wide range of coverage plans and discount choices
- Exceptionally low NAIC Complaint Index
- Local agents ready to assist in selecting the right coverage
- Wide range of coverage plans and discount choices
- Exceptionally low NAIC Complaint Index
- Local agents ready to assist in selecting the right coverage
$2199

/ year

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Cincinnati

4.1
- Customized protection for luxury properties
- Various add-ons offered
- Marketed by independent local agents
- Customized protection for luxury properties
- Various add-ons offered
- Marketed by independent local agents
$1729

/ year

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AAA

4.0
- Regional clubs can customize coverage options to suit homeowners in different areas
- Members may receive extra AAA benefits
- Local agents are available
- Regional clubs can customize coverage options to suit homeowners in different areas
- Members may receive extra AAA benefits
- Local agents are available
$1949

/ year

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AARP

3.0
- Provides multiple optional coverages
- Accessible in 49 states plus Washington, D.C.
- Provides five discounts for homeowners insurance
- Provides multiple optional coverages
- Accessible in 49 states plus Washington, D.C.
- Provides five discounts for homeowners insurance
$1320

/ year

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Acceptance

4.1
- This insurer can insure homeowners in higher-risk situations
- Provides a typical selection of homeowners insurance plans
- User-friendly online tools for managing policies and submitting claims
- This insurer can insure homeowners in higher-risk situations
- Provides a typical selection of homeowners insurance plans
- User-friendly online tools for managing policies and submitting claims
$1820

/ year

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American Modern

4.5
- Provides insurance for applicants turned down by standard homeowners policies
- Maintains an A+ (Superior) financial strength rating from AM Best
- Part-time protection offered for vacation properties and rental units
- Provides insurance for applicants turned down by standard homeowners policies
- Maintains an A+ (Superior) financial strength rating from AM Best
- Part-time protection offered for vacation properties and rental units
$2150

/ year

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Connect

3.2
- American Family, the parent company, scored well in the 2024 J.D. Power U.S. Insurance Digital Experience Study for the shopping category
- Extensive array of possible discounts to reduce homeowners insurance costs
- Mine subsidence coverage available in select states
- American Family, the parent company, scored well in the 2024 J.D. Power U.S. Insurance Digital Experience Study for the shopping category
- Extensive array of possible discounts to reduce homeowners insurance costs
- Mine subsidence coverage available in select states
$1400

/ year

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More Insurance Options

Renters Insurance
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Popular Companies

USAA
4.8
Amica
4.6
Chubb
4.6
Progressive
3.7
Farmers
3.6
Erie
4.3
Allstate
4.2
State Farm
3.5
American Family
4.0
Liberty Mutual
3.8

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