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Essential

Why Home Insurance Matters in Illinois

Illinois residents face specific environmental risks that can damage their homes. Some common natural threats include:

  • Tornadoes and High Winds: Illinois regularly experiences severe storms and strong winds that cause damage, particularly in the central and southern regions.
  • Flooding Risks: Prolonged rainfall and flooding, especially near big rivers, make flood damage a common concern for homeowners.
  • Winter Storm Damage: Heavy snow and freezing temperatures can lead to burst pipes, roof damage and icy conditions.
  • Hailstorms: Illinois is no stranger to hailstorms, which can damage roofs, siding and windows.
  • Theft and Break-Ins: Urban areas like Chicago face higher risks of theft and break-ins, making it essential for homeowners to invest in robust security measures to protect their properties.

Understanding these threats allows homeowners to better prepare and choose the right insurance coverage to safeguard their homes.

Coverage

What Does Home Insurance Cover in Illinois?

A standard home insurance policy in Illinois typically includes the following protections:

  • Dwelling Coverage: Protects the structure of your home against perils like windstorms, hail, fire and vandalism.
  • Personal Property Coverage: Covers furniture, electronics, clothing and other belongings damaged or stolen due to covered events.
  • Liability Protection: Offers coverage if someone gets injured on your property or if you accidentally damage someone else’s property.
  • Additional Living Expenses (ALE): Pays for temporary housing and living expenses if your home is rendered uninhabitable after a covered loss.

Options

Additional Coverage Options for Illinois Homeowners

Given the unique weather-related risks in Illinois, consider adding additional coverage such as:

  • Flood Insurance: Because standard policies don’t cover flood damage, purchasing a policy through the National Flood Insurance Program (NFIP) or a private insurer is essential, especially for homes in flood-prone zones.
  • Wind and Hail Coverage: Some policies may exclude wind and hail damage, requiring separate endorsement for complete protection.
  • Water Backup Coverage: Protects against damage from sewer or drain backups, a common issue in Illinois homes during heavy rains.
  • Roof Replacement Coverage: Ensures full replacement costs for roofs damaged due to hail or windstorms, rather than depreciated value.

Start Protecting Your Home Today

Your home is one of your most significant investments, and it deserves top-notch protection. Goosehead Insurance is ready to help Illinois homeowners find policies that fit their needs and budget.

Whether you’re purchasing a new policy or looking to save on your existing one, we’ve got you covered.  Get a free quote today.

New Customers Call 833-779-4090

Cost

How Much Does Home Insurance Cost in Illinois?

The cost of home insurance in Illinois varies based on several factors, including:

  • Location: Homes in areas with higher risks of tornadoes, floods or hail may have higher premiums.
  • Home Value and Materials: Larger or older homes and those with high-value finishes might cost more to insure.
  • Claims History: Your personal claims history or prior claims on the property can impact your premium.
  • Deductible Choice: Opting for a higher deductible typically lowers your monthly premium.

On average, Illinois homeowners pay roughly $1,200 to $2,800 annually for home insurance, depending on your policy and other factors. At Goosehead Insurance, we help you find the best rates without compromising on coverage.

Save

Ways to Save on Home Insurance in Illinois

Home insurance doesn’t always need to break the bank. Here are some tips to reduce your premiums while maintaining quality coverage:

  • Bundle Insurance Policies: Combine your home and auto insurance policies for a multi-policy discount.
  • Improve Home Security: Installing systems like burglar alarms, smoke detectors and cameras can lead to discounts on your policy.
  • Disaster-Proof Upgrades: Reinforcing roofs, installing storm shutters, or using impact-resistant materials can mitigate risks and lower premiums.
  • Shop Around: Comparing policies from different insurers can reveal more affordable options. Goosehead Insurance streamlines this process for you.

Choose Goosehead

Why Choose Goosehead Insurance for Your Illinois Home Insurance Policy?

At Goosehead Insurance, we believe in simplifying the insurance process, and giving you customized coverage options to give you peace of mind. Here’s why Illinois homeowners trust us:

  • Multiple Carrier Comparisons: We compare policies from top-rated insurers to find you the best rate and coverage. 
  • Personalized Guidance: Our experienced agents will help tailor a policy to meet your unique needs. 
  • Convenience & Efficiency: Our online quote process is simple and stress-free, so you can secure coverage in minutes. 
  • Exceptional Customer Support: Our team is available to assist customers every step of the way with high-quality service. 



Notice of Rights to Opt Out of Sale/Sharing

Some states have enacted comprehensive privacy laws that grant their residents with the right to opt out of “targeted advertising,” “selling,” or “sharing” of personal information.
 

We or our marketing and advertising service providers may use information about your activities on our Website or other websites to help tailor our advertisements or offers to what may interest you. To opt out of these activities while using our Website move the above toggle to the left and confirm your choices below. These activities are based on online cookies and the opt-out choice is specific to this device. Should you ever clear your cookies on this browser or use another browser or device you may need to opt-out again.

Exercising your State Specific Comprehensive Privacy Rights 
To submit a data privacy request and request access to or deletion of your personal information, or to exercise any other data rights under California, Colorado, Connecticut, Delaware, Iowa, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Tennessee, Texas, Utah, and Virginia* law, please contact us using one of the following methods:
  • Website: you may visit https://www.gooseheadinsurance.com/consumer-privacy-requests/ to exercise your privacy rights via our website. Please fill in the appropriate web form so that we may verify and process your request in an efficient manner.
  • Email: you may contact us at [email protected] to exercise your privacy rights. Please include your full name, email address, and the phone number associated with your insurance policy, along with why you are writing.
  • Phone: you may call and leave a voicemail 1-888-928-0031 to exercise your privacy rights. Please include your full name and the phone number associated with your insurance policy, along with why you are calling.
  • Mail: you may mail a letter to exercise your privacy rights (see Contact Us below). Please include your full name, phone number, and the details of your request
*While Connecticut, Delaware, Iowa, Minnesota, Montana, Nebraska, New Hampshire, New Jersey Oregon, Tennessee, Texas, Utah, and Virginia have enacted privacy laws, Goosehead is exempt based on its status as an insurance producer and/or its compliance with the Gramm-Leach Bliley Act.
 
Methods to Opt-Out of Sharing of Personal Information for Targeted Advertising: To limit interest-based advertising generally click here and/or select the “limit ad tracking” or equivalent setting in your mobile device settings. Additionally, if you enable a browser-based opt-out preference signal, such as Global Privacy Control, in certain jurisdictions, upon receipt or detection, we will make reasonable efforts to treat the signal as a valid request to opt out of the sharing of Personal Information for targeted advertising pursuant to applicable law.

To access our full Privacy Policy, please click here.

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