The 5 Best Illinois Homeowners Insurance Companies

Illinois homeowners insurance is an important purchase to protect your assets and to satisfy mortgage lenders. Most people want a good combination of the right coverage at an affordable price. The average Illinois home insurance rate is $823.00, which is slightly lower than the national average. Additional considerations for a good purchase are the financial strength of the insurer, its claims service reputation, and convenience.

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Allstate

Headquartered in Illinois, Allstate has some of the best homeowners insurance in Illinois. Allstate's online tools make it very easy to access information about your policy. Their home inventory tool lets you keep track of your belongings in the event of a loss, and their own smartphone apps gives you access to all your policy information from anywhere. Discounts are widely available including for multiple policies, claim-free history, early renewal, auto payment, non-smoker, and more. Standard coverage includes dwelling and other structure protection, personal property protection, liability and medical payment coverage, and reimbursement for living expenses. Allstate also boasts enhanced features to protect your premium from rate increases if you file a claim. Additional coverage options can help with identity theft recovery and electronic data recovery. Allstate's AM Best A+ (Superior) rating makes it a great choice for your homeowners insurance in Illinois.

American Family

Backed by an AM Best A (Excellent) rating, American Family is the fourth largest provider of home insurance in Illinois. An American Family Insurance homeowners policy helps cover the many diverse perils that can occur in Illinois. Property damage from fire, lightning, wind storms, hail, explosions, smoke, vandalism, and many types of theft are all covered. In addition to this standard coverage, AmFam also offers many additional options to fit your unique needs. These include a home day care option and a home office endorsement to protect you if your home is also used as a business. Standard discounts are available and easy to identify on their website. Tools such as the Dream Vault home inventory tool help you easily create an inventory of your personal property and secure it offsite.

Country Mutual

Country Mutual offers many good coverage options for home insurance in Illinois. Their Premier coverage option covers direct losses to your home or personal property, including all losses except those specifically excluded in the policy. This coverage option can cut down the ambiguity of what is or is not covered, so you will know at signing what your policy includes and excludes. Competitive discounts are available including some unique ones not offered by thier competitors. These include discounts for new electric wiring, and discounts for homes without wood burning fireplaces. Country offers a simplified online claims form, which streamlines the claims process, but they do not provide very many online information or resources. What Country lack in information resources, they make up for in financial strength as AM Best ranks Country A+.

Farmers Insurance

Farmers claims an AM Best A rating (Excellent) for financial strength. Their home insurance in Illinois provides coverage for many dwellings including single family homes, condos, and mobile homes. Coverage for your property, your possessions, and any other assets is also available. Add on policies for earthquake and flood can also be purchased separately. Farmers offers standard discounts such as multi-policy, but also has some other unique discounts available. If you are a new homeowner, have built a new home, or have recently renovated, you could be eligible for additional discounts. Farmers makes sure they provide solid claims service, and they offer several tools designed to make the claims process easier. Claims management tools include multiple filing options such as a phone and mobile app, and their Claim Tracker tool gives you the ability to follow the daily progress of your claim.

State Farm

State Farm's claims over 30% of the Illinois home insurance market, and they have an AM Best rating of A++ (Superior) for financial strength. Their service reputation makes them very popular in the state. In addition to their great claims service, policy management tools, and standard discounts, State Farm provides first class service tools. The Pocket Agent mobile app for iPhone and Android devices allows full access to all your policy, claims, and informational needs from anywhere in the world. Home IndexTM online home inventory management system allows you to easily build an inventory of your personal property. Finally, State Farm's Discount Double Check feature automatically checks for available discounts so you do not have to.

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