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2025

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Best Homeowners Insurance Agencies in Illinois

Our Recommended Top 14

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Illinois 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.

7130Reviewed

4283Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Homeowners Insurance Agencies Serving Illinois
Springfield

Expertise.com Rating

Why choose this provider?

Bailey Family Insurance is the best family-owned business that serves Illinois. It helps families and individuals find top homeowners' insurance plans from more than 30 carriers. The independent company crafts customized personal property, loss of use, family or personal liability, and dwelling coverages. Its agents assist clients secure reimbursements for damaged properties and medical expenses due to perils like theft, vandalism, and fire. They also process life, auto, and commercial insurance. President Mark Bailey has been in the insurance services industry for 10 years.

Best Homeowners Insurance Agencies Serving Illinois
Chicago

Expertise.com Rating

Review Sources

Google
4.8 (31)

Why choose this provider?

Take 2 Insurance offers risk management solutions in Illinois. It accommodates individuals and families seeking cheap personal protection plans. The independent agency customizes the best homeowners' insurance coverages and helps policyholders file claims to secure reimbursements for stolen or damaged properties and personal belongings. Its agents also process life, auto, motorcycle, truck, flood, and renters' insurance. In addition, they provide business insurance products. Take 2 Insurance works with various carriers, such as Progressive, Safeco, Travelers, and Erie Insurance.

Best Homeowners Insurance Agencies Serving Illinois
Chicago

Expertise.com Rating

Why choose this provider?

Skyline Insurance Agency, Inc., serves families and individuals in Illinois. It provides the best personal protection products in the area, including homeowners' insurance. The independent company assists policyholders in filing claims for damaged properties and missing valuables caused by unforeseen events like fire, vandalism, and theft. Its specialists also help clients find cheap flood, earthquake, collector car, personal umbrella, and condominium insurance plans. They work with multiple carriers, such as Travelers, Progressive, and Foremost. Skyline Insurance Agency has been in operation for over two decades.

Best Homeowners Insurance Agencies Serving Illinois
Chicago

Expertise.com Rating

Review Sources

Google
5.0 (192)
Facebook
5.0 (12)
Yelp
4.0 (4)

Why choose this provider?

Zach Betley is the best State Farm insurance agent who serves Illinois. He offers a selection of personal protection products, helping individuals and families acquire cheap homeowners' insurance. He crafts coverages for clients' properties and personal valuables like pieces of jewelry, pictures, and collectibles. The specialist also processes life, health, auto, motorcycle, and pet medical insurance. In addition, Betley provides estate, investment, and retirement planning assistance. He maintains an affiliation with the Beverly Area Planning Association.

Best Homeowners Insurance Agencies Serving Illinois
Chicago

Expertise.com Rating

Review Sources

Facebook
5.0 (18)
Google
4.8 (15)
Yelp
4.0 (2)

Why choose this provider?

Melendez Insurance is a full-service company that offers risk management solutions in Illinois. Widely acknowledged as the insurance leader in the state, it caters to families and individuals, helping them find the best homeowners' insurance plans from various carriers. The independent agency processes customized coverages to protect policyholders from monetary losses caused by damaged properties and stolen valuables. Its specialists also furnish other personal protection policies, including life, health, auto, and landlords' insurance. Additionally, Melendez Insurance accommodates business owners who want to acquire general liability and general contractors' plans.

Best Homeowners Insurance Agencies Serving Illinois
Chicago

Expertise.com Rating

Review Sources

Google
4.6 (108)
Facebook
4.8 (18)
Yelp
3.7 (6)

Why choose this provider?

Clover Insurance Agency provides services to property owners in Illinois. It provides a selection of risk management solutions, helping families and individuals obtain cheap personal protection plans. The company furnishes homeowners' insurance plans, which include personal property and liability, medical costs, and additional living expense coverages. It assists policyholders in filing claims for missing valuables and damaged properties due to natural disasters, theft, and vandalism. It also processes auto and rideshare insurance. Clover Insurance Agency has been in the industry for over four decades.

Best Homeowners Insurance Agencies Serving Illinois
Chicago

Expertise.com Rating

Review Sources

Google
4.9 (229)
Facebook
5.0 (48)
Yelp
4.4 (7)

Why choose this provider?

Illinois' leading provider Salvador Insurance is an independent agency that serves families and individuals. It helps clients find the best homeowners' insurance plans to protect them from financial losses due to fire and vandalism. The company crafts customized coverages for customers' properties and personal valuables. It also offers other personal protection policies, such as life, umbrella, and renters' insurance. Salvador Insurance partners with various carriers, including Progressive and Travelers. Founder Wil Salvador is a Certified Financial Planner who has been in the insurance industry for 25 years.

Best Homeowners Insurance Agencies Serving Illinois
Chicago

Expertise.com Rating

Review Sources

Google
4.7 (111)
Yelp
3.7 (3)

Why choose this provider?

LaVan Insurance Agency - Brighton Park is a family-owned and family-operated company serving clients in Illinois. It provides a wide selection of risk management solutions to individuals and families, helping them obtain cheap homeowners' insurance. The company processes personal property and liability, medical costs, and dwelling coverages. Its specialists also furnish renters', classic car, and motorcycle insurance. In addition, they serve business owners who want to acquire commercial property and contractors' insurance plans. LaVan Insurance Agency has been in operation for over five decades.

Best Homeowners Insurance Agencies Serving Illinois
Chicago

Expertise.com Rating

Why choose this provider?

Gaylord Nelson is an insurance specialist who caters to families and individuals in Illinois. He helps clients find the best homeowners' insurance plans to protect them from monetary losses in case of unexpected events like natural disasters and theft. He assists policyholders in filing claims for damaged properties and stolen personal valuables. The agent also furnishes car, life, and health insurance. Additionally, Nelson serves business owners who want to acquire BOP and workers' compensation policies. He has been a part of State Farm since 1994.

Best Homeowners Insurance Agencies Serving Illinois
Chicago

Expertise.com Rating

Why choose this provider?

Edwards Insurance Agency serves individuals and businesses based in Illinois. It offers homeowners' insurance plans to protect the main dwelling, its contents, and detached structures from unexpected events. It also provides pet, travel, boat, recreational vehicle, life, and business insurance policies. The company represents various carriers, including Foremost, Humana, The Hartford, Erie, AAA, and MetLife. In operating the best insurance agency in the state, owner Katie Edwards leans on her more than two decades of experience in the industry. She has handled over 4,000 policies to date.

Best Homeowners Insurance Agencies Serving Illinois
Chicago

Expertise.com Rating

Review Sources

Google
4.6 (31)
Yelp
4.6 (9)

Why choose this provider?

Abe GT & Associates, Inc., is a locally owned and operated agency serving individuals and businesses in Illinois. Its homeowners' insurance plans safeguard homes, garages, and other structures. It covers the cost of rebuilding homes damaged by wind, hail, fire, tornadoes, and other natural disasters. Its plans coverage also includes claims for personal harm or liability. Other products are commercial, auto, retail, workers' compensation, and rental property insurance. The company has been in the industry for more than two decades.

Best Homeowners Insurance Agencies Serving Illinois
Chicago

Expertise.com Rating

Review Sources

Google
4.7 (120)
Facebook
5.0 (56)
Yelp
2.6 (17)

Why choose this provider?

Art Santos operates the best State Farm insurance agency in Illinois. He and his team members offer homeowners' insurance plans to safeguard policyholders' homes and their contents from unexpected events like burglary, smoke, and fire. Its plan also includes liability protection if someone sustain injuries at home or a policyholder caused property damage. Some of the company's additional products are auto, property, life, business, health, and pet insurance plans. Art is a member of the Hispanic Chamber of Commerce and the Small Business Advisory Council.

Best Homeowners Insurance Agencies Serving Illinois
Chicago

Expertise.com Rating

Why choose this provider?

Bryan Solis is a State Farm insurance specialist who offers the best risk management services in Illinois. He processes various personal protection plans, which include homeowners' insurance. He helps policyholders file claims to secure reimbursements for stolen personal valuables and damaged properties due to events like theft, vandalism, fire, and hail. The agent also furnishes life, health, auto, renters', and pet medical insurance. Solis and his team bring over four decades of combined industry experience. They accommodate clients who speak Spanish and Polish.

Best Homeowners Insurance Agencies Serving Illinois
Chicago

Expertise.com Rating

Review Sources

Google
4.9 (25)
Facebook
5.0 (20)

Why choose this provider?

Gralak Insurance Agency is the best independent agency in Illinois that has been serving individuals and small business owners since 1991. It offers homeowner's insurance policies that protect against fire, theft, and storm damage. It also insures mobile homes, apartments, condos, and other properties owned by companies. Vehicle, life, business, and health insurance plans are also available. Its president, Ray Gralak, has received various awards throughout his career, including top sales, top performing agency, and agent of the year.

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Bailey Family Insurance
1625 South 6th Street, Springfield, IL 62703
Take 2 Insurance
6970 N. Clark St,, Chicago, IL 60626
Skyline Insurance Agency, Inc.
2302 W. Belmont Avenue, Chicago, IL 60618
Zach Betley
10028 S Western Avenue, Chicago, IL 60643
Melendez Insurance
1655 S Blue Island Ave, Suite 319, Chicago, IL 60608
Clover Insurance
7535 North Western Avenue, Chicago, IL 60645
Salvador Insurance
3360 N Milwaukee Ave, Chicago, IL 60641
LaVan Insurance Agency - Brighton Park
3956 South California Avenue, Chicago, IL 60632
Gaylord Nelson
8516 S Pulaski Rd, Chicago, IL 60652
Edwards Insurance Agency
11113 S. Kedzie, Chicago, IL 60655
Abe GT & Associates, Inc.
1024 W Fry St #102, Chicago, IL 60642
Art Santos
2207 N Western Avenue, Chicago, IL 60647
Bryan Solis - State Farm Insurance Agent
3106 1/2 N Central Ave, Chicago, IL 60634
Gralak Insurance Agency
6826 W. Archer Avenue, Chicago, IL 60638

Illinois Homeowners Insurance Agency FAQs

  • How much does Illinois homeowners' insurance cost on average?

    In Illinois, the typical annual expense for homeowners' insurance is roughly $1,322. To offer some context, this figure is slightly higher than the national average homeowners' insurance premium of $1,312 per year. Note that there is no fixed, uniform rate for homeowners' insurance policies for Illinois residents. Instead, insurance costs are influenced by factors such as the property's specifics, the chosen insurer, and the coverage limits.

  • Which homeowners’ insurance risks have coverage limits or are excluded by insurers in Illinois?

    The common coverage limits and exclusions that Illinois residents may find in homeowners' insurance policies have something to do with trampolines, open swimming pools without fences, and pets with a biting history. Additionally, insurance providers impose coverage limits on vacant properties and homes with outdated plumbing fixtures. Residents have the option to modify their coverage by adding endorsements to their policies to address particular risks that the standard policy might not cover.

  • What percentage of Illinois homeowners’ insurance policy limits is covered by the additional limits coverage?

    The "additional limits coverage" in an Illinois homeowners' insurance policy can cover up to 125% of the policy limits in the case of a total loss. Depending on the location of homeowners, their policy may even extend to cover expenses up to 150% of their coverage limits. In the event of damage to homes, this coverage can financially support construction and building materials costs.

  • Where can Illinois citizens file complaints about their homeowners' insurance providers?

    Illinois residents who wish to file complaints about their homeowners' insurance providers can do so through the Illinois Department of Insurance. Through the department's website, accessible at https://idoi.illinois.gov/consumers.html, homeowners can perform tasks such as researching insurance companies, lodging complaints, and engaging with a virtual assistant in English or Spanish. For personalized assistance, residents can connect with the agency's customer hotline at 866-445-5364.

  • Which type of high-risk homeowners’ insurance is ideal for Illinois residents who have been denied coverage on the standard market?

    The Fair Access to Insurance Requirements (FAIR) Plan provides insurance coverage to Illinois homeowners who are considered high-risk and have difficulty obtaining insurance through the private market. Premiums for FAIR Plan coverage are often higher than those offered by private insurers. To qualify for a FAIR plan, homeowners need to prove that they have been denied coverage on the standard market.

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