Illinois Homeowners Insurance Calculator
Estimate Illinois homeowners insurance cost. Average: $1,780/year. Calculate based on home value, coverage, and risk factors.
How This Calculator Works
Calculation methodology and assumptions
This calculator estimates homeowners insurance premiums in Illinois based on the statewide average of $1,780/year. Adjustments are made for dwelling coverage amount, deductible level, risk factors (pool, trampoline), credit score, home age, and claims history. Illinois's rates reflect local weather risks, building costs, and regulatory factors.
Key State Information
Illinois average homeowners insurance: $1,780/year. Illinois's rates are below the national average.
Frequently Asked Questions
How much is homeowners insurance in Illinois?
The average annual homeowners insurance premium in Illinois is $1,780, or about $148/month. Actual costs depend on home value, location, coverage amount, deductible, and other factors.
What does homeowners insurance cover in Illinois?
A standard HO-3 policy covers dwelling damage (your home), personal property (belongings), liability (if someone is injured on your property), and additional living expenses (if your home is uninhabitable).
How can I save on homeowners insurance in Illinois?
Increase your deductible, bundle with auto insurance (saves 10-25%), improve home security (alarm, deadbolts), maintain good credit, avoid filing small claims, update your roof and electrical/plumbing systems, and shop around annually.