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2024

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Best Homeowners Insurance Agencies in Bloomington, IL

Our Recommended Top 4

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 Bloomington 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.

48Reviewed

30Curated

4Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

321 Susan Dr ste C, Normal, IL 61761

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Mid-America Insurance is an agency that serves clients in Bloomington. It provides policies for homeowners to cover any damage to their property, such as natural disasters or fires. The agency also covers clients' personal belongings that could be broken or destroyed. It meets with clients to review their lifestyle and house type, then creates a plan that fits important risks such as medical injuries or theft. Established in 1983, the company also offers commercial insurance and group benefits.

  • Personal Property Insurance
  • Multiple Policy Types

1 Brickyard Drive, Bloomington, IL 61701

Expertise.com Rating

Review Sources

Google
5.0 (3)
Facebook
5.0 (1)

Why choose this provider?

Snyder Insurance is a homeowners insurance agency that provides comprehensive policies to residents of Bloomington. The agency works with more than 100 insurance carriers to provide choice and flexibility. Snyder Insurance writes policies that range from actual cash value coverage to replacement and extended replacement cost coverage. Multi-line discounts are available to customers also purchasing vehicle, business, life, and health insurance products. The company has a dedicated claims team and two additional offices in the area.

  • Personal Property Insurance
  • Multiple Policy Types

139 N Williamsburg Dr, Bloomington, IL 61704

Expertise.com Rating

Review Sources

Google
4.7 (10)
Facebook
5.0 (8)

Why choose this provider?

P/L/R Insurance is an independent agency that provides property damage coverage to homeowners in Bloomington. Its offered programs cover either common perils, including fire, hail, smoke, theft, and vandalism, or more specific causes of losses defined in a policy. Beyond a client's dwelling, P/L/R's offered plans secure other structures such as fences and garages, select personal belongings such as furniture and electronics, loss-of-use expenses, and scheduled personal property. It also includes family or personal liability protection and medical expenses for the injured parties.

  • Multiple Policy Types

3807 General Electric Rd Ste 1, Bloomington, IL 61704

Expertise.com Rating

Review Sources

Facebook
5.0 (21)
Google
4.9 (19)

Why choose this provider?

Since its establishment in 1949, Miller Insurance Agency has been serving the Bloomington community and its surrounding areas. The agency offers home insurance policies designed to protect a client's biggest investment. Depending on the client's needs, these policies can provide coverage for the house's structure and its contents. in the case of losses due to storms, fires, and theft. The company's agents are also prepared to provide additional services such as additional living expenses and liabilities.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Mid-America Insurance
321 Susan Dr ste C, Normal, IL 61761
Snyder Insurance
1 Brickyard Drive, Bloomington, IL 61701
PLR Insurance
139 N Williamsburg Dr, Bloomington, IL 61704
Miller Insurance Agency
3807 General Electric Rd Ste 1, Bloomington, IL 61704

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.
  • Is liability coverage included in homeowners' insurance in Bloomington?

    In Bloomington, homeowners' insurance typically includes liability protection. This coverage includes costs such as medical payments to third parties and legal expenses associated with lawsuits filed against you. A standard homeowners' policy usually offers approximately $100,000 in liability coverage for each incident. Note that the amount of liability coverage you should obtain should be based on the assets you want to protect.

  • How is the replacement cost of your home determined in Bloomington?

    In Bloomington, your home's replacement cost is determined by the expense of rebuilding the entire property. When you insure your home based on this estimated replacement cost, your insurer will reimburse you, up to policy limits, for repair or reconstruction expenses. This calculation considers the property's size and structure. It only covers the replacement cost of the property's structure, systems, fixtures, and finishes. Note that the land value should not be included in your insurance coverage amount.

  • Are home-based businesses covered by homeowners' insurance in Bloomington?

    In Bloomington, standard homeowners' insurance is not tailored to fully cover home-based businesses. Typically, such policies include approximately $2,500 in coverage for equipment on your property and $500 for equipment off-site. Depending on the scale and nature of your home-based business, a regular homeowners' policy may not be enough to protect all your business assets. It is highly recommended to consult your insurance agent to obtain sufficient coverage.

  • How can you lower your homeowners' insurance premiums in Bloomington?

    To lower your homeowners' insurance costs in Bloomington, you can take advantage of discounts like those for new homes or upgraded roofs, improve home security to qualify for discounts, choose higher deductibles for lower premiums, consider bundling your homeowners' insurance with auto insurance, and maintain a good credit score.

  • Can your homeowners' insurance be terminated without your permission in Bloomington?

    Yes. In Bloomington, homeowners' insurance can be terminated in three ways without the homeowner's approval: rescission, which voids the policy retroactively and refunds premiums but offers no coverage; cancellation, which ends the policy before its expected expiration; and nonrenewal, where the insurer chooses not to renew the policy when it reaches its end date.

  • 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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