Enter your ZIP code:

Illinois Home Insurance Quotes

Welcome to InsureMe, your online information source for Illinois house insurance. InsureMe provides quick, accurate, competitive Illinois home insurance quotes from agents across the country and in your area. Whether you live in Chicago, Springfield or anywhere in between, InsureMe can help you find the right policy at an affordable price.

Don't waste your time surfing the Internet looking for the right insurance company. Trust InsureMe with your Illinois house insurance needs today!

Getting the Right Coverage

Illinois home insurance protects you from financial loss due to damage, theft and many other hazards. And since your home is most likely your largest single investment, it is important to acquire the right coverage in the right amounts. But how can you know what you need?

There are three methods for valuing homes in Illinois, and the method used determines how much money you receive if you ever have to file a claim.

One technique is insuring for your home's actual cash value. This pays you for the replacement cost of your home minus its depreciation. If you suffer a loss under this valuation method, your insurer reimburses you what your property was worth immediately before your loss.

Another technique is insuring against your home's replacement cost. In this case, you are paid what it would cost to rebuild or replace your home using similar materials, up to the limits of your policy. This method pays you more because there is no deduction for depreciation.

Finally, you may insure for your home's guaranteed replacement cost, which pays you its total replacement cost value—even if this cost exceeds your policy limit. However, your Illinois homeowners insurance company may limit this to a certain percentage above your policy's limit.

Factors Affecting Premiums

Illinois homeowners insurance premiums can vary greatly, so comparison shop to find the best policy with the greatest value for the lowest cost.

Some of the factors which may affect your home insurance premium include:

  1. Type of construction (brick, stone, wood, masonry)
  2. Fire protection available
  3. Location
  4. Deductible
  5. Home's age
  6. Policy and coverage type
  7. Number of living units in the dwelling
  8. Claim history
  9. Credit history
  10. Discounts (multiple policy, senior citizen, fire alarms, deadbolt locks, etc.)

Depending on the history of your home and your own history, your house insurance may cost more or less than you expect. Talk to a licensed Illinois home insurance agent to see how you rate when examining these factors.

Questions?

If you have questions or need more information about Illinois homeowners insurance, call the Illinois Division of Insurance's Consumer Assistance Hotline toll free at 866-445-5364.

Get a quote!

We hope this information helps you in the insurance buying process.

We know that finding good homeowners insurance can be tough—but now it's easy with InsureMe! We've been in business since 1993 helping consumers get the coverage they need and deserve. Let us help you, too!


Free Car Insurance Quotes!  
Free Home Insurance Quotes!  
Free Health Insurance Quotes!  
Free Life Insurance Quotes!  
List of Articles
No. Subject Author Views
55 Wyoming Home Insurance youcomparequotes 6637
54 Wisconsin Home Insurance youcomparequotes 6946
53 West Virginia Homeowners Insurance youcomparequotes 6524
52 Washington, D.C. Home Insurance youcomparequotes 8182
51 Washington Home Insurance youcomparequotes 6267
50 Virginia Home Insurance youcomparequotes 6596
49 Vermont Homeowners Insurance youcomparequotes 7039
48 Utah Homeowners Insurance youcomparequotes 6229
47 Texas Home Insurance: Not Fun, Not Hip But Oh-So Important youcomparequotes 7214
46 Texas Home Insurance Quotes youcomparequotes 6742
45 Tennessee Homeowners Insurance youcomparequotes 8320
44 South Dakota Homeowners Insurance youcomparequotes 7012
43 South Carolina Homeowners Insurance youcomparequotes 6272
42 Rhode Island Homeowners Insurance youcomparequotes 6479
41 Pennsylvania Home Insurance Quotes youcomparequotes 6735
40 Oregon Home Insurance Quotes youcomparequotes 12825
39 Oklahoma Homeowners Insurance youcomparequotes 6662
38 Ohio Home Insurance Quotes youcomparequotes 7097
37 North Dakota Homeowners Insurance youcomparequotes 6397
36 North Dakota Home Insurance youcomparequotes 6220
35 North Carolina Homeowners Insurance youcomparequotes 11350
34 New York Home Insurance Quotes youcomparequotes 6926
33 New Mexico Homeowners Insurance youcomparequotes 6840
32 New Jersey Home Insurance youcomparequotes 6278
31 New Hampshire Home Insurance youcomparequotes 6353
30 Nevada Home Insurance youcomparequotes 6473
29 Nebraska Home Insurance youcomparequotes 6328
28 Montana Home Insurance youcomparequotes 6697
27 Missouri Home Insurance Quotes youcomparequotes 6502
26 Mississippi Home Insurance youcomparequotes 6442
25 Minnesota Home Insurance Quotes youcomparequotes 6599
24 Michigan Home Insurance Quotes youcomparequotes 8177
23 Maryland Home Insurance youcomparequotes 6603
22 Maine Homeowners Insurance youcomparequotes 6427
21 Louisiana Homeowners Insurance youcomparequotes 6833
20 Kentucky Homeowners Insurance youcomparequotes 6220
19 Kentucky Home Insurance youcomparequotes 6606
18 Kansas Homeowners Insurance youcomparequotes 6878
17 Iowa Homeowners Insurance youcomparequotes 6328
16 Indiana Homeowners Insurance youcomparequotes 6603
» Illinois Home Insurance Quotes youcomparequotes 7362
14 Idaho Home Insurance youcomparequotes 6453
13 Hawaii Home Insurance youcomparequotes 6489
12 Georgia Home Insurance youcomparequotes 6578
11 Florida’s Home Insurance Headache youcomparequotes 7952
10 Florida Home Insurance Quotes youcomparequotes 6528
9 Delaware Home Insurance youcomparequotes 6136
8 Connecticut Homeowners Insurance youcomparequotes 6404
7 Colorado Home Insurance Information: Protecting Your Personal Rocky Mountain Paradise youcomparequotes 11011
6 Colorado Home Insurance Information youcomparequotes 7158
5 California Home Insurance youcomparequotes 6602
4 Arkansas Home Insurance youcomparequotes 6733
3 Arizona Home Insurance Quotes youcomparequotes 7695
2 Alaska Homeowners Insurance youcomparequotes 6380
1 Alabama Homeowners Insurance youcomparequotes 6401
XE Login