Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Rockford

Our Recommended Top 5

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 Rockford 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.

94

Reviewed

58

Curated

5

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
7 East Main Street, Evansville, WI 53536
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

Jeff Farnsworth, State Farm Insurance Agent, is an office operated by an exceptionally experienced agent who's been in business for over 35 years. Mr. Farnsworth helps clients by providing quotes for the coverage they need and assessing their situations to help them purchase the right amounts of coverage to protect themselves from financial losses and personal liabilities. Auto, business, and health insurance policies are available as well and this office insures pets too.

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
Google
5.0 / 5 (53)
Facebook
5.0 / 5 (17)

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
207 South State Street, Belvidere, IL 61008
  • Renter's Insurance
  • Homeowners

Why choose this provider?

Taft Insurance Agency serves the Rockford area and works to ensure that homeowners have a comprehensive understanding of their insurance options. The independent agency aims to help homeowners financially protect their properties and possessions by determining policies that fit their needs. Taft Insurance Agency provides assistance in identifying policies and additional options that cover traditional homes as well as townhomes, condominiums, personal articles, and liabilities. The agency's former clients have commended the team for its customer service skills.

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 (76)
Facebook
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
11716 Main Street, Roscoe, IL 61073
  • Fire
  • Flood
  • Personal Property Insurance

Why choose this provider?

Shaver Insurance Agency, Inc., is a family-owned and independent company that has been offering homeowners' insurance policies for residents in Rockford since 1977. It provides fire, property damage, personal liability, medical expenses, secondary home, and flood coverage. Shaver Insurance Agency works with its clients to navigate the property risks and creates customized coverage plans tailor-fit for each home and family lifestyle. It also delivers insurance solutions for life, auto, renters, business, and commercial property insurance.

License Verified:

License: 100637899

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.
4.4
Google
4.0 / 5 (15)
Facebook
5.0 / 5 (12)

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
4455 North Mulford Road, Loves Park, IL 61111
  • Homeowners

Why choose this provider?

Eckburg Insurance Group was founded 40 years ago with the vision to provide quality insurance. The homeowners' insurance agency provides services to communities in Rockford and surrounding areas and carries options for condominiums, renters, landlords, and flood insurances. Business owners can avail themselves of the agency's general liability, property, workers' compensation, and commercial auto insurances. Eckburg Insurance Group creates custom plans and packages to meet client-specific needs by working with over 30 insurance companies that include AAA, Hanover, EMC, National General, and Westfield.

License Verified:

License: 100298774

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 (90)
Facebook
5.0 / 5 (36)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
5301 East State Street, Rockford, IL 61108
  • Homeowners

Why choose this provider?

Spectrum Insurance Agency, Inc., is a risk management specialist based in Rockford. One of the products it offers is homeowners' insurance which covers property damage due to fire, natural disasters, theft, and vandalism. It also helps pay for medical expenses in case a guest obtains injuries at the policyholder's home. The agency's team customizes insurance plans according to clients' needs, working with different providers like MetLife and Safeco Insurance. Spectrum Insurance Agency has been in service since 1982.

License Verified:

License: 100294860

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
4.7 / 5 (13)
Facebook
5.0 / 5 (6)

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

Frequently Asked Questions

  • 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.
  • What is the average cost of homeowners' insurance in Rockford?

    The cost of homeowners' insurance depends on several factors, including the value of your coverage, your deductible, and the construction materials used in your house. In Rockford, homeowners' insurance costs $1,410 per year, or $117 per month, on average. The national average cost of homeowners insurance is $1,428 per year.

  • Is it mandatory to have homeowners insurance in Rockford?

    Homeowners' insurance is not mandatory in Rockford. However, you may prefer to get insurance coverage to help protect your house and belongings. Additionally, your lender may require you to obtain homeowners' insurance if you have a mortgage. Asset protection and lender requirements are two of the common reasons you may obtain homeowners' insurance.

  • What is covered by homeowners' insurance in Rockford?

    Homeowners' insurance in Rockford includes coverage to protect your personal belongings and property against certain risks, such as theft, vandalism, lightning, fire, and windstorms. It can also include coverage for liability exposure, such as accidents that occur on your property. Furthermore, a standard homeowners' policy includes coverage for dwelling and loss of use.

  • What type of homeowners' insurance is common in Rockford?

    An HO-3 policy is the most common type of homeowners' insurance in Rockford. It provides expansive coverage to protect you from losses resulting from fires, theft, and vandalism. Additionally, it may include personal liability coverage. HO-3 is commonly offered to owners of single-family dwellings. However, some homeowners' associations may require their residents to have additional forms of insurance coverage.

  • What are considered high-risk items in homeowners insurance in Rockford?

    Laptops, tablets, computers, mobile phones, and other small electronic equipment are generally considered high-risk items in Rockford. Jewelry, antiques, collections, and expensive clothing and artwork are also classified as high-risk items. A vacation home as well as a house that is in areas that commonly experience extreme weather conditions such as tornadoes can also be considered high-risk.

  • 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.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2023

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.