Home Insurance in Illinois
Home insurance in Illinois is below the national average, though severe thunderstorms, tornadoes, and hail across the state still drive a steady stream of claims.
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Illinois at a glance
Data as of 2022Average cost
$1,343/yr
≈ $112/mo
vs U.S. average
-14%
below the national avg of $1,569/yr
Top risks
Tornadoes, hail & severe storms
Source: NAIC (2022). Average annual premium for owner-occupied HO-3 homeowners policies.
Home insurance in Illinois is below the national average, though severe thunderstorms, tornadoes, and hail across the state still drive a steady stream of claims.
How much does home insurance cost in Illinois?
The average homeowner in Illinois pays $1,343 per year for home insurance — that’s 14% below the U.S. national average of $1,569/yr. Your own rate depends on your home’s rebuild cost, age, construction, location, and claims history.
Illinois vs the national average
14% below the national average of $1,569/yr.
Source: NAIC (2022). Average annual premium for owner-occupied HO-3 homeowners policies.
What drives home insurance costs in Illinois
Wind and hail are the leading claim types, and many policies apply a separate wind/hail deductible. Older housing and winter freeze damage also factor into rates.
What home insurance covers
A standard Illinois homeowners (HO-3) policy bundles several coverages. Note what’s not included — flood and earthquake always require separate policies.
| Coverage | What it covers | In a standard policy? |
|---|---|---|
| Dwelling (Coverage A) | The structure of your home itself | Core coverage |
| Other structures (B) | Detached garages, fences, sheds | Included |
| Personal property (C) | Your belongings — furniture, electronics, clothes | Included |
| Liability (E) | Injuries to others or damage you’re responsible for | Included |
| Loss of use (D) | Living expenses if your home is uninhabitable | Included |
| Flood / earthquake | Flood and quake damage | Excluded — separate policy |
Homeowners insurance is not legally mandated, but mortgage lenders require it for the life of your loan.
How to lower your home insurance in Illinois
Rates for the same home can vary widely between insurers in Illinois, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Bundle home and auto insurance with one carrier
- Harden your home against local risks (impact-resistant roof, storm shutters, defensible space) for discounts
- Improve security — alarms, smoke detectors, water-leak sensors
- Avoid small claims so you keep claims-free discounts
Average premium data last verified June 6, 2026. Source: NAIC. Figures are statewide averages — your quote will differ based on your specific home.
Illinois home insurance FAQs
Common questions about homeowners insurance in Illinois
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