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2024

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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

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.

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.

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.

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.

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.

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.

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.

Chicago

Expertise.com Rating

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.

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.

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.

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.

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.

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.

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.

Compare our Top Homeowners Insurance Agencies

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

FAQs

  • 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 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.

  • What is the difference between home warranty and homeowners insurance?

    Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

  • Does Geico offer homeowners insurance?

    Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

  • How long does homeowners warranty insurance last?

    Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

  • Does homeowners insurance cover water heaters?

    Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

  • Are RVs covered under homeowners insurance?

    Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

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