Illinois Homeowners Insurance 

At Insurance Navy, we understand that selecting a homeowners insurance policy that works for your home is a stressful process. Insurance Navy is the fastest-growing insurance agency in Illinois and is here to make the insurance buying process simple and hassle-free. Insurance Navy has the experience and expertise to give you the exact coverage you need, no matter where you are.

A quality home insurance policy can provide a financial safety net if your home or belongings are damaged. A home insurance policy typically covers other structures on your property like garages and tool sheds.

Unlike auto insurance, there is no state law obligating homeowners to buy an insurance policy for their homes. However, if you finance your home with a mortgage, most mortgage lenders require you to have a homeowners insurance policy.

The five basic areas of coverage offered by homeowners insurance are:

  1. Building and other structures
  2. Additional living expenses
  3. Personal property
  4. Liability
  5. Medical payments

There are various factors used to determine the cost of home insurance. Some risks can be controlled by homeowners and others may not. The primary factors that affect the cost of home insurance are:

  1. Location of home
  2. Type of Structure
  3. Cost of the house
  4. Amount of Coverage
  5. Amount of Deductible

According to Value Penguin, the average cost of home insurance is $987 a year in Illinois.

Homeowners insurance may be the biggest expense that comes with owning a home. To make sure you are getting the most competitive rates, Insurance Navy will shop around and compare prices from multiple insurance providers. When shopping around with different carriers, Insurance Navy guarantees an accurate comparison by making sure the coverages, limits and deductibles match the prior policy or the new coverages desired by the insured.

Insurance Navy offers free homeowners insurance quotes at any office, over the phone, online or through the mobile app.  

Do you need more information about home insurance in Illinois? Our agents and customer service representatives are here to help. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. For your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week.

*Please review your own policy carefully for details on home insurance. Homeowner’s insurance varies by insurance company and policy.

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