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Best Homeowners Insurance Agencies in Palatine

Our Recommended Top 6

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 Palatine Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



6Top Picks

Learn about our selection process.


featured provider = Featured Provider

2609 Pebblebrook Lane, Rolling Meadows, IL 60008 Rating

Review Sources

5.0 (19)
3.0 (2)

Why choose this provider?

AFI Insurance is an independent agency serving Palatine and the surrounding areas. Its agents provide homeowners' insurance services to financially protect clients from losses and damage due to insured causes like theft and vandalism, riots, fire incidents, explosions, and water discharge. The home insurance policy covers the home's structure, personal belongings, temporary displacement, and liability. The company also offers policies for rental properties, small businesses, auto body shops, and umbrella insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

119 East Palatine Road, Palatine, IL 60067 Rating

Review Sources

5.0 (8)

Why choose this provider?

SunGolde Insurance Agency is an independent agency that has been providing its services for five years. The business serves Palatine and nearby regions. Its team of advisors provides homeowners' insurance solutions that can protect clients financially in case of a loss due to vandalism, theft, and fire incidents. The home insurance policy also covers legal responsibility or liability for any injuries to other people. The professionals from this business also offer fundamental care, business, and umbrella insurance policies.

  • Multiple Policy Types

153 West Northwest Highway, Palatine, IL 60067 Rating

Review Sources

5.0 (155)

Why choose this provider?

Sasha Ivanov - State Farm Insurance Agent provides financial protection to homeowners in Palatine. Ivanov has been assisting clients with various insurance products for over 11 years. Her agency offers insurance plans for homeowners, condo unit owners, renters, and business property owners. The agency has over 45 years of combined experience crafting personalized insurance coverages to protect properties and other assets. Its staff are fluent in speaking Spanish, Bulgarian, and Macedonian.

  • Renter's Insurance

1180 East Dundee Road, Palatine, IL 60074 Rating

Review Sources

4.4 (7)

Why choose this provider?

NCR Insurance Group provides auto, home, and commercial insurance services to clients in Palatine and the neighboring areas. The company provides homeowners' insurance policy options for clients wanting to safeguard their residential property and personal items from financial losses in case of misfortunes ranging from minor theft to significant damage. The policy also provides liability protection in the unfortunate event of accidents on the client's property. The staff is fluent in both English and Spanish languages.

  • Renter's Insurance
  • Multiple Policy Types

975 Weiland Road, Buffalo Grove, IL 60089 Rating

Why choose this provider?

Christine Altieri State Farm Insurance Agent works with clients in the Palatine area to determine which insurance products they require and to help them find the best rates. She exclusively sells State Farm policies, helping homeowners, as well as drivers and business owners, to protect their financial wellbeing in the event of a fire, storm, theft, or another disaster. Christine Altieri has been working with State Farm for more than 30 years.

  • Multiple Policy Types

50 Brockway Street, Palatine, IL 60067 Rating

Review Sources

5.0 (2)

Why choose this provider?

CFM Insurance, Inc., has been offering personal, life, property, casualty, and commercial insurance solutions for clients in Palatine and the surrounding communities since 1929. Its agents help homeowners choose an insurance policy that will cover the expenses in case of damage to the client's house and personal possessions. In addition to providing the right insurance policy for the client, the company also offers a 24-hour claims hotline, flexible billing, and living expense coverage.

  • Multiple Policy Types


  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • Is tornado coverage included in Palatine homeowners' insurance policies?

    Yes, home insurance policies in Palatine frequently cover tornado property damage to your home and personal belongings. This coverage pays for repairs or rebuilding your home if it is damaged by tornado wind. While standard homeowners insurance policies typically include coverage for tornado damage, it is critical to review your policy and confirm the specific coverage details. Because Palatine is in Illinois, tornadoes can cause serious damage to homes on occasion.

  • In Palatine, under what conditions can you make an ALE claim on your homeowners' insurance?

    When a covered loss renders your Palatine home inhabitable, you can file an ALE claim. ALE is intended to cover out-of-pocket expenses not covered by basic living expenses. This can include temporary housing, storage fees, increased travel expenses due to a longer commute, and utility connection fees for a temporary residence. The Additional Living Expenses (ALE) benefit only covers additional costs incurred during home repairs.

  • Is it advisable to bundle auto and homeowners' insurance in Palatine?

    Yes, bundling your auto and home insurance in Palatine simplifies things by allowing you to deal with a single agent for potential accidents involving both your vehicle and your property. This can save you time and present you as a lower-risk customer, potentially resulting in lower rates. In some cases, bundling can result in a single deductible, lowering costs. Furthermore, it frequently comes with discounts, which can save you up to 16.1%.

  • What types of exterior underground service lines are usually not covered by homeowners' insurance policies in Palatine?

    Exterior underground service and utility lines, which can include water and sewer pipes, cable, internet, and electrical wiring, as well as propane and natural gas pipes, are typically not covered by homeowners' insurance policies. Homeowners in Palatine are frequently responsible for these lines, and damage caused by tree roots, animal interference, or corrosion can result in significant repair costs.

  • How much does homeowners' insurance increase for homes with swimming pools in Palatine?

    The cost of homeowners' insurance with a swimming pool varies depending on the pool's features. Having a swimming pool may result in a $20 increase, while having a diving board may result in a $51 increase. If your pool has a slide, your homeowners' insurance in Palatine will likely rise by $61.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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