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2024

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Best Homeowners Insurance Agencies in Champaign, IL

Our Recommended Top 9

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 Champaign 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.

53Reviewed

35Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1802 Woodfield Drive, Savoy, IL 61874

Expertise.com Rating

Review Sources

Google
5.0 (5)
Facebook
5.0 (1)

Why choose this provider?

Myers Insurance Group provides financial protection solutions for residents in Champaign County. The agency's line of services includes home insurance. Its team offers a variety of home insurance plans. One of them is liability insurance which covers accidents that took place on a homeowner's property. Injuries such as dog bites, slip-and-fall accidents, and trampoline accidents are covered under this insurance plan. Myers Insurance Group is a member of the Independent Insurance Agents of Illinois.

  • Multiple Policy Types

503 S. Country Fair Dr. Suite 2 B, Champaign, IL 61821

Expertise.com Rating

Review Sources

Google
5.0 (6)
Facebook
5.0 (1)

Why choose this provider?

Rector Insurance Agency, LLC is a premier, independent insurance agency based in Champaign that serves individuals and businesses in Central Illinois. It has access to multiple insurance companies and products, providing more home insurance coverage options for clients. The policy includes common coverages such as dwelling, other structures, personal property, loss of use, and medical expenses. Rector Insurance Agency also has auto, renters, specialty dwelling, and flood insurance and other commercial insurance products.

  • Personal Property Insurance
  • Multiple Policy Types

801 North Country Fair Drive, Champaign, IL 61821

Expertise.com Rating

Review Sources

Facebook
5.0 (34)
Google
5.0 (16)

Why choose this provider?

Austin Beaty is a COUNTRY Financial representative who works with policyholders in Champaign and other areas surrounding Bloomington. The firm offers both standard homeowners' insurance, as well as premier coverage for both the home itself and any personal belongings within it. Clients can also choose to avail of a combination of both policies. Austin Beaty is one of the 2,000 active representatives of the nationwide firm, which has operated continuously since 1925.

  • Multiple Policy Types

320 East Sangamon Avenue, Rantoul, IL 61866

Expertise.com Rating

Review Sources

Google
4.9 (75)

Why choose this provider?

Chad Graham is an insurance agent with State Farm who has been serving clients in the Champaign area since 2014. Graham sells insurance plans that cover clients' homes and properties in the event of natural disasters, such as floods, storms with high-speed winds, and fires. His homeowners insurance plans also cover clients' homes that have been vandalized and robbed. Additionally, Graham sells insurance plans for clients' cars, medical bills, and businesses.

  • Multiple Policy Types

1802 Woodfield Dr, Savoy, IL 61874

Expertise.com Rating

Review Sources

Google
5.0 (1)
Facebook
5.0 (1)

Why choose this provider?

Howe Insurance Store secures the assets and homes in Champaign and the surrounding communities. This homeowners' insurance agency protects clients' homes from damages caused by fires, storms, and other accidents. It broadens the coverage of the insurance to include the contents of the home from jewelry up to appliances and furniture. It also offers provisions for the legal and medical expenses of a person who was injured within the property. Howe Insurance Store has been providing insurances since 1930.

  • Personal Property Insurance
  • Multiple Policy Types

1817 South Neil Street, Champaign, IL 61820

Expertise.com Rating

Review Sources

Google
4.0 (4)

Why choose this provider?

InsureChampaign has been providing insurance services to businesses, individuals, and families since 1995. This independent insurance agency serves Champaign and nearby areas. The agency provides homeowners' insurance covering replacement costs, medical coverage, and personal liability. Its optional home coverages include equipment breakdown, identity theft, sewage backup, and flood insurance. The company also offers other types of insurance, such as auto, business, franchise, and group benefits. The president of InsureChampaign, Mike Tennant, has been in the industry since 1983.

  • Condos
  • Multiple Policy Types
  • Personal Property Insurance

2009 Fox Dr # M, Champaign, IL 61820

Expertise.com Rating

Review Sources

Google
4.8 (23)
Facebook
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

Prairieland Insurance Group, LLC, is a locally-owned and locally-operated agency in Champaign that specializes in building insurance policies for personal and commercial needs. They offer homeowners policies that cover the residential property from damage or losses caused by plumbing problems, theft, break-in, fire, lightning, or other covered events. There are several coverages that can be included in the policy, including property insurance, homeowners liability, ordinance coverage, and more. The agents assist clients in navigating through the details and write a policy based on their insurance needs.

  • Multiple Policy Types

2002 South Neil Street, Champaign, IL 61821

Expertise.com Rating

Review Sources

Google
4.4 (10)
Facebook
4.7 (7)
Yelp
1.5 (2)

Why choose this provider?

Brya Insurance has been keeping homes in Champaign protected from financial risks since 1955. This family-operated firm has home insurance plans that can be tailored for renters, homeowners, condominium owners, and rental properties. It partners with several insurance companies to find insurance deals that match homeowners' needs and requirements. Its insurance specialists help assess potential risks and ensure clients receive adequate financial protection for home and property losses or damages. Brya Insurance also offers bundled home and auto insurance options.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

711 South Neil Street, Champaign, IL 61820

Expertise.com Rating

Review Sources

Google
4.8 (12)
Facebook
3.7 (3)

Why choose this provider?

Hall Insurance Services offers homeowners' coverage to clients in Champaign. It provides policies that cover natural hazards such as wind, rain, ice, and snow, as well as sudden instances of theft, vandalism, and fire. It also offers insurance plans that include liability protection against claims of property damage or injuries by others. It also counsels clients on the scope of their coverage. Operating since 1977, Hall Insurance Service also offers auto and life insurance.

  • Earthquake
  • Multiple Policy Types
  • Multiple Carriers

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Myers Insurance Group
1802 Woodfield Drive, Savoy, IL 61874
Rector Insurance Agency, LLC
503 S. Country Fair Dr. Suite 2 B, Champaign, IL 61821
Austin Beaty - COUNTRY Financial representative
801 North Country Fair Drive, Champaign, IL 61821
Chad Graham - State Farm Insurance Agent
320 East Sangamon Avenue, Rantoul, IL 61866
Howe Insurance Store
1802 Woodfield Dr, Savoy, IL 61874
InsureChampaign
1817 South Neil Street, Champaign, IL 61820
Prairieland Insurance Group, LLC
2009 Fox Dr # M, Champaign, IL 61820
Brya Insurance
2002 South Neil Street, Champaign, IL 61821
Hall Insurance Services
711 South Neil Street, Champaign, IL 61820

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 protection does a homeowners insurance policy offer in Champaign?

    In Champaign, homeowners insurance covers damages from wind, hail, accumulations of ice or snow, and abrupt explosions. Furthermore, it protects against damages resulting from fires, lightning strikes, and the presence of smoke. Falling objects and challenges due to frozen or malfunctioning plumbing systems are also addressed. Notably, the policy ensures coverage against theft and deliberate acts of vandalism.

  • How does one determine how much home insurance coverage they need in Champaign?

    To determine how much home insurance they require, it's imperative for homeowners in Champaign to recognize the worth of their personal belongings, laying the foundation for private property protection. When considering housing safeguards, gauging the expense of a home's reconstruction is essential. It's equally significant to think about liabilities, notably injuries within the property. Finally, determining potential costs for temporary shifts ensures a solid protective layer against unexpected events.

  • How can homeowners in Champaign obtain the most cost-effective insurance policy?

    To obtain the most cost-effective insurance policy, homeowners should select the highest deductible within their budget to receive a competitive premium. Whether working with a flat rate or percentage-based deductible, annual reviews must align with one's changing income and coverage necessities. After locking in the optimal policy, Champaign residents should conduct a thorough home inventory, safeguarding all pertinent documents and the policy in a fireproof container or secure cloud storage.

  • How can home security system upgrades affect homeowners' insurance premiums in Champaign?

    For homeowners in Champaign, home security system upgrades may enable them to save money on homeowners' insurance premiums. Improving home security systems translates to a decreased likelihood of break-ins, reducing potential claims. Recognizing this, insurance companies often provide premium discounts. However, the exact magnitude of these discounts hinges on the specific type of system installed and the insurance provider's policies. Homeowners should consult their insurers to understand potential savings.

  • What does homeowners' liability coverage in Champaign encompass?

    In Champaign, homeowners' liability coverage shields policyholders if they, their family, or pets inflict damage or injury on others, whether on or off their property. It's essential to ensure this coverage mirrors one's risk profile and potential legal liabilities. Homeowners should consult their insurance representative if they seek extended coverage beyond standard limits.

  • 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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