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2024

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Best Renter's Insurance Companies in Chicago

Our Recommended Top 11

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Chicago Renter's Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

1046Reviewed

632Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
4855 W Irving Park Rd., ​Chicago, IL 60641
  • Multiple Carriers

Why choose this provider?

For over 10 years, Prodigy Insurance Agency has been guiding Chicago clients through the process of securing their lives and properties. Its agents assist renters or tenants in protecting their dwelling places during unexpected events. They extend support to owners of properties like homes, automobiles, and motorcycles. Commercial clients can also seek their help in order to secure a policy for workers' compensation. They prepare quotes using various types of insurance products from over 20 carriers.

License Verified:

License: 16243703

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (35)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2302 West Belmont Avenue, Chicago, IL 60618
  • Multiple Policy Types

Why choose this provider?

Skyline Insurance Agency, Inc., is an independent insurance agency that has been serving residents and businesses in Chicago for the past 21 years. It offers a range of risk management strategies, including homeowners and renters' insurance and life and health insurance. It also provides business policies and high net worth coverage. Its insurance professionals have more than 35 years of combined experience in the industry. Clients can access Skyline's website for its policy services, which include insurance resources, billing and payments, and filing of claims.

License Verified:

License: 100301287

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (8)
Google
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
320 West Ohio Street, Chicago, IL 60654
  • Multiple Policy Types

Why choose this provider?

Guaranteed Rate Insurance is an independent agency that has been providing its services to clients in Chicago and the surrounding areas since 2008. It represents more than 40 insurance companies in 40 different states. It offers both personal and business insurance products such as home, renters, auto, condo, professional liability, and workers compensation. Renters' insurance will provide coverage for personal properties that are destroyed or stolen. It also protects items in case of theft or vandalism when traveling. Additional coverages include liability and displacement.

License Verified:

License: 100288243

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (33)
Facebook
4.0 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
20 North Wacker Drive Suite 600, Chicago, IL 60606
  • Multiple Policy Types

Why choose this provider?

The Rockwood Company is a full-service insurance agency serving Chicago clients. The firm provides clients with renters' insurance that can adequately protect themselves and their personal belongings in the event of a disaster. The team provides various coverage options for personal belongings, property damage, and personal liability. The group also offers other personal and business insurance plans such as homeowners', life and health, auto, general liability, workers' compensation, and bonds. The company has been insuring individuals and businesses for over 122 years.

License Verified:

License: 100291991

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.2 / 5 (5)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3119 South Halsted Street, Chicago, IL 60608
  • Multiple Carriers

Why choose this provider?

Michael Phillips is a second-generation State Farm insurance agent located in the Chicago area. He and his team of account managers have been helping their clients throughout the state of Illinois in order to protect their assets and reach their financial goals. They provide various insurance products, such as renters', home, condominium, and property insurance. In addition, they work on policies for automobile, pet, and business insurance. They also cater to English and Spanish-speaking clients.

License Verified:

License: 17350274

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
5.0 / 5 (79)
Facebook
4.0 / 5 (14)
Yelp
1.0 / 5 (1)

Website
3360 North Milwaukee Avenue, Chicago, IL 60641
  • Multiple Policy Types

Why choose this provider?

Salvador Insurance operates in Chicago and the surrounding areas, serving the insurance needs of residents and local businesses. It is an independent insurance agency that carries renters’ insurance plan that covers possessions against losses from fire, smoke, lightning, vandalism, theft, or water damage. Moreover, it provides commercial insurance plans like auto insurance, property, general liability, business owners’ policy, and workers’ compensation insurance. The company was founded in 1993. Its founder, Wil Salvador, has 25 years of experience in the insurance industry.

License Verified:

License: 100284430

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.0 / 5 (137)
Facebook
5.0 / 5 (24)
Yelp
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
9965 W 151st St, Orland Park, IL 60462
  • Multiple Policy Types

Why choose this provider?

Greg Clemens is a State Farm insurance agent who caters to the needs of individuals, families, and businesses throughout the Chicago area. He helps clients get renters' insurance policies, which cover accidents, weather impacts, loss of use, and malicious mischiefs, such as vandalism and theft. Other renters' insurance coverages include personal liability umbrella policies, identity restoration, earthquake damage, and additional business property options. Clemens also provides clients with automobile, home, life, and health insurance. Spanish services are available.

License Verified:

License: 9129301

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3643 West Lawrence Avenue, Chicago, IL 60625
  • Multiple Policy Types

Why choose this provider?

Kurt Mamon is an insurance agent based in Chicago. He has been an agent at State Farm for more than 28 years. As a man of faith, he desires to be a blessing to his clients by helping them protect their homes and assets with insurance products, such as property, home, condominium, and renters' insurance. He has a team of bilingual account representatives working with him to serve clients from Illinois, Indiana, Wisconsin, and Missouri.

License Verified:

License: 3000761563

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (150)
Facebook
5.0 / 5 (1)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7158 W Grand Ave, Chicago, IL 60707
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

KSA Insurance Agency is a locally owned and operated business that serves Chicago. Its team furnishes renters' insurance policies with coverages for property damage caused by fire, theft, and vandalism. This type of insurance also protects policyholders from injury claims when someone gets hurt within their premises. In addition, the program shoulders temporary living expenses when a tenant gets displaced from the rental unit due to loss of use. This company is a division of Oakbrook Insurance Agency.

License Verified:

License: 330915

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (6)
Google
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
527 S. Wells Street, Chicago, IL 60607
  • Multiple Policy Types

Why choose this provider?

Jos. Cacciatore & Co. Insurance has been catering to clients within Chicago and its surrounding communities since 1906. Its home and renters' insurance products provide coverage for belongings and valuables, protecting them from damage or loss due to theft, vandalism, fires, and other similar hazards. It also provides automobile insurance with special accommodations for clients above 50, and other types of personal products involving health, life, and disability. The firm represents numerous carriers and providers, including Seneca, ING, Safeco, and Travelers, in its services.

License Verified:

License: 100300897

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (39)
Google
4.9 / 5 (17)
Yelp
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3170 North Lincoln Avenue, Chicago, IL 60657
  • Multiple Policy Types

Why choose this provider?

Max Adelman is a Chicago-based insurance agent for State Farm. He provides guidance and professional assistance to business owners, families, and individuals. He offers a wide range of insurance products, including renters', auto, life, and health insurance. He caters to customers with 24/7 service. In addition, he handles commercial, condo, pet, and business insurance needs. State Farm has been serving clients and communities for more than 100 years. The business also provides investments and financial services.

License Verified:

License: 3000548513

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (104)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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FAQs

  • How much do Chicago residents pay for renters’ insurance on average?

    In Chicago, the annual expense for renters' insurance is approximately $124, which translates to a $10 monthly cost. There is no specific law in Illinois that requires this type of insurance, but landlords may require it. Renters' insurance is an affordable means to protect tenants' personal belongings, including clothing, electronic gadgets, and household appliances.

  • In what ways can Chicago residents lower their renters’ insurance expenses?

    People living in Chicago can save on renters’ insurance by staying with the same company for at least two years. Tenants can also get up to a 15% discount if they bundle auto and renters’ insurance. Additionally, discounts are available to renters with no history of claims and those who opt for paperless transactions and payment options.

  • How can Chicago tenants prove to their landlords that they have renters’ insurance?

    To prove that they are carrying renters’ insurance, Chicago tenants can present their policies or designate the landlord or property manager as an interested party. An interested party within renters' insurance refers to an entity receiving notifications regarding policy changes. Note that landlords cannot be directly listed on renters' insurance policies.

  • What factors must tenants consider before buying renters’ insurance in Chicago?

    When shopping for renters’ insurance, Chicago residents must distinguish between replacement cost value and actual cost value policies. They should also consider other factors, such as the distinction between named peril and all-risk policies. Named peril policies specify damages covered within the policy, while all risk coverage protects against all damages, excluding those listed as exclusions in the policy.

  • Does a renters’ insurance policy cover theft or damage done to a rented home in Chicago by the Airbnb tenant?

    Yes, as long as the renter possesses a valid Chicago vacation rental license and has obtained consent from the landlord. Note that operating an Airbnb from a leased apartment in Chicago is against the law unless a vacation rental license is obtained. A separate license is required for every dwelling unit utilized as a vacation rental.

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