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2024

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Best Homeowners Insurance Agencies in Chicago, IL

Our Recommended Top 20

We did the research for you!

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

1635Reviewed

989Curated

20Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

5117B Main St Ste 10, Downers Grove, IL 60515

Expertise.com Rating

Why choose this provider?

The CNW Group is an independent insurance and financial services firm in Downers Grove, Illinois, that sells home insurance in the Chicago metropolitan area. Founded in 2015, the company provides coverage required by mortgage lenders to protect the dwelling against damage or destruction as well as offering insurance against liability, with options for condo owners, for renters, and to protect against flooding. The CNW Group provides other personal and commercial coverage and financial products.

  • Renter's Insurance
  • Flood
  • Personal Property Insurance

224 S Milwaukee Ave Ste D, Wheeling, IL 60090

Expertise.com Rating

Review Sources

Google
5.0 (6)
Facebook
5.0 (1)

Why choose this provider?

Juan Polec Insurance Agency serves the Chicago, Illinois, metro area, representing clients as they pursue home insurance from a variety of providers. It handles homeowners insurance and coverage areas for property damage, personal property, and liability, as well as mobile home and condominium insurance. The agency also works with tenants seeking renters insurance for personal property and landlords desiring a policy to minimize liability. In-home business insurance is a niche area this agency regularly practices in.

  • Multiple Policy Types
  • Personal Property Insurance
  • Renter's Insurance

5901 N. Cicero Avenue Suite 301, Chicago, IL 60646
WebsiteLicense: 100296179

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

An independent agency in Chicago, C.C. & Associates, Inc., compares products like homeowners' insurance from various carriers to present clients with coverages that meet their requirements. The agents of this 1986-established firm help consumers in their decision-making by informing them of the features of every plan that covers their families and properties during unexpected times. They also offer tips such as bundling their policies for convenience. Other products the team provides include indemnities for cars, RVs, boats, and businesses.

  • Multiple Carriers

1700 W. Cermak Road, Chicago, IL 60608
WebsiteLicense: 17230155

Expertise.com Rating

Review Sources

Google
4.9 (101)
Facebook
5.0 (9)

Why choose this provider?

Cresco Insurance is an independent agency that serves commercial and residential clients in Chicago. It offers homeowners insurance to cover liability, losses, and damage to belongings and properties in case of fire, burglary, and other covered events. Its agents, who speak Spanish and English, assist customers in finding plans that are suitable to their needs and budgets. The family-operated business also carries car, business, and motorcycle insurance policies. In addition, its team provides health, disability, and life insurance.

  • Multiple Carriers

7012 W. Archer Ave., Chicago, IL 60638
WebsiteLicense: 2339309

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Thomas Iaquinta Insurance Agency provides coverage options and solutions tailored to the unique needs of clients in Chicago and the south Chicago suburbs. Representing many carriers, this independent agency provides renters' and homeowners' insurance policies with different types of coverage. Homeowners also have the option to combine multiple types of insurance into a single policy. The coverage includes dwelling, liability protection, and personal property. The agency also offers auto and power sports and recreational insurance.

  • Multiple Policy Types

707 West Willow St, Chicago, IL 60614
WebsiteLicense: 100300209

Expertise.com Rating

Review Sources

Google
4.9 (49)
Yelp
4.0 (30)
Facebook
5.0 (22)

Why choose this provider?

Thomas Ward Insurance is an independent agency that has been serving clients in Chicago since 1999. It offers homeowners' insurance and educates clients on further coverage options, including cyber fraud, underground service line, and equipment breakdown coverage. The company also carries life insurance products, and clients can choose between permanent and term life options. For business insurance solutions, it offers property insurance and general liability insurance. The company's agents can additionally create tailor-fit solutions for restaurants and construction companies.

  • Multiple Carriers
  • Homeowners

6970 N. Clark St,, Chicago, IL 60626
WebsiteLicense: 3000147204

Expertise.com Rating

Review Sources

Google
4.8 (28)
Facebook
5.0 (2)

Why choose this provider?

Take 2 Insurance is an independent agency serving the insurance needs of clients based in Chicago and nearby locations. Its insurance agents offer home insurance plans that protect clients' property and belongings from unexpected loss. The agency also has auto insurance policies for different kinds of vehicles, such as motorcycles, trucks, recreational vehicles, and boats. Life and business insurance products are likewise available. It also represents insurance carriers like ERIE Insurance, Progressive, Travelers, Mercury, and Safeco.

  • Renter's Insurance
  • Flood
  • Multiple Carriers

7041 W Higgins Ave, Chicago, IL 60656

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

MG Insurance Brokers is a company that serves the area of Chicago. For more than 20 years, it has been offering different insurance policies, such as home insurance for individuals with a mortgage. Health and umbrella insurance coverages are also covered. The company provides individuals with life insurance plans that can protect them and their families. It offers insurance policies that will cover cars, boats, motorcycles, and recreational vehicles. MG Insurance works with different providers to give companies business insurance products.

  • Multiple Carriers

1024 W Fry St #102, Chicago, IL 60642
WebsiteLicense: 2184868

Expertise.com Rating

Review Sources

Google
4.5 (25)
Yelp
4.5 (7)

Why choose this provider?

Abe GT & Associates, Inc., is an insurance agency serving clients in the Chicago area. The company's professionals carry over 23 years of collective industry experience, providing comprehensive homeowners', condo, and business insurance coverage. Its homeowners' policy covers the needs of the client's home, garage, and additional structures. It has partnered with several carriers, including Travelers and Nationwide. This partnership allows the agency to shop policies on behalf of the clients to find package options that best fit their needs.

  • Renter's Insurance
  • Condos
  • Homeowners

3956 South California Avenue, Chicago, IL 60632

Expertise.com Rating

Review Sources

Google
4.8 (98)
Facebook
5.0 (10)
Yelp
3.0 (2)

Why choose this provider?

Located in Brighton Park, LaVan Insurance Agency has been catering to the insurance needs of residents and businesses in Chicago since 1969. It offers homeowners' insurance packages inclusive of coverage for the dwelling and other structures, medical payments, personal property, and personal liability. It also has options for bundled home and auto insurance policies. LaVan Insurance Agency is a family-owned and operated independent insurance firm that strives to serve the community by providing incomparable insurance products and services backed by genuine expertise and excellent customer service.

  • Homeowners

3338 West Foster Avenue, Chicago, IL 60625
WebsiteLicense: 100301529

Expertise.com Rating

Review Sources

Google
4.7 (64)
Facebook
4.3 (11)
Yelp
5.0 (2)

Why choose this provider?

Mark Mackey is a State Farm insurance agent based in Chicago. Having been in the industry since 1990, he is able to provide insurance solutions for homes, automobiles, businesses, properties, and pets. He helps homeowners understand the potential risks and guides them in obtaining adequate coverage for losses from natural disasters, random acts such as vandalism and theft, and liabilities. Moreover, he offers assistance in planning for college and retirement. Mark and his team also assist their clients in the claims application process.

  • Renter's Insurance
  • Homeowners

1655 South Blue Island Avenue, Chicago, IL 60608
WebsiteLicense: 100648148

Expertise.com Rating

Review Sources

Facebook
5.0 (9)
Google
4.8 (6)
Yelp
5.0 (1)

Why choose this provider?

Located in Chicago, Sharon Robles Agency is owned and run by independent insurance broker Sharon Robles, who has vast experience in the insurance industry for more than 20 years. Since its founding, it has focused on providing auto, homeowners or renters, life, motorcycle or ATV, and business insurance. With her longevity in the business, Robles has built confidence to remain committed in delivering the best customer service and answering every question, considering the insurance field as her cup of tea.

  • Homeowners

155 N Michigan Ave Suite 300, Chicago, IL 60601
WebsiteLicense: 8316141

Expertise.com Rating

Review Sources

Facebook
5.0 (16)
Google
5.0 (1)

Why choose this provider?

W.A. George Insurance Agency serves clients in and around the Chicago metro. It provides homeowners' insurance which covers liability protection, personal belongings, and additional living expenses. Other insurance policies it offers also cover motorcycles, apartments, townhomes, and condominiums. It also provides coverages that include basic Medicare and umbrella liability. Its team works with carriers such as The Hartford, American Modern, and Scottsdale Insurance. Mercedes George, the agency president, has over 10 years of industry experience.

  • Renter's Insurance

7151 W. Grand Avenue, Chicago, IL 60707

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Diaz Insurance Agency is a local and independent firm serving clients in Chicago, crafting customized home insurance policies tailored to the requirements of each customer. It offers different types of coverage, such as fire, personal property, personal liability, flood, property damage, and secondary home. Its agents help clients determine their risks and exposures to get sufficient coverage. The agency also offers personal auto, life, and renters insurance. It has over a decade of experience providing personalized solutions to its clients.

  • Personal Property Insurance

1655 S Blue Island Ave, Suite 319, Chicago, IL 60608
WebsiteLicense: 100487015

Expertise.com Rating

Review Sources

Google
4.8 (13)
Facebook
5.0 (7)
Yelp
4.0 (2)

Why choose this provider?

Melendez Insurance offers homeowners' insurance to Chicago residents to keep them financially protected in case of unexpected incidents. The company offers a package policy that covers injuries or damages caused to family members or the structure. There are other specialty coverage options designed for apartment owners, condominium associations, vacant buildings, and commercial or mixed-use properties. The carriers of Melendez Insurance include The Hartford, CNA Insurance, Erie Insurance, and Foremost Insurance Group.

  • Multiple Policy Types
  • Homeowners

8348 Kennedy Ave, Highland, IN 46322

Expertise.com Rating

Review Sources

Google
4.8 (34)
Yelp
1.0 (1)

Why choose this provider?

Kozlowski & Associates has been serving the residents of Chicago, Illinois, since 1946. This independent home insurance agency represents major providers, such as Liberty Mutual, Symetra Financial, and Auto-Owners Insurance, to offer its clients a variety of options. It sells coverage to homeowners and landlords, and it covers loss of use, personal property theft or damage, liability, and damage to the home due to a natural disaster. Kozlowski & Associates also sells boat and business insurance.

  • Renter's Insurance
  • Condos
  • Personal Property Insurance

4855 W Irving Park Road, Chicago, IL 60641
WebsiteLicense: 100355235

Expertise.com Rating

Review Sources

Google
4.8 (24)

Why choose this provider?

Serving the Chicago community, Prodigy Insurance Agency has been protecting clients from unexpected happenings since 2011. An independent agency offers personal insurance plans, such as auto, boats, homeowners, renters, and landlords. The agency aims to build long-term relationships with its clients by prioritizing their needs, taking the time to answer their questions, and finding smart solutions. Prodigy Insurance Agency also offers commercial and life insurance plans and has more than 20 insurance carriers, including Mercury Insurance, MetLife, and Travelers.

  • Multiple Carriers
  • Multiple Policy Types
  • Homeowners

8516 S Pulaski Rd, Chicago, IL 60652
WebsiteLicense: 2181086

Expertise.com Rating

Why choose this provider?

Gaylord Nelson is a State Farm agent who serves individuals and families in Chicago. He has been in the industry since 1994, providing a wide range of products, including auto, health, and life insurance, in addition to banking and annuities. Nelson also aims to help individuals protect their properties against damages and liabilities by providing homeowners' insurance coverage. Serving an extensive network of clients, Nelson and his team can communicate in Spanish.

  • Renter's Insurance
  • Homeowners
  • Condos

10028 S Western Avenue, Chicago, IL 60643
WebsiteLicense: 17513372

Expertise.com Rating

Review Sources

Google
5.0 (179)
Facebook
5.0 (5)
Yelp
5.0 (3)

Why choose this provider?

Zach Betley is a State Farm insurance agent catering to residents in Chicago. Betley provides homeowners' insurance solutions for clients. He educates them on further protection through flood insurance coverage and liability insurance coverage options. Betley also offers auto, pet, life, and business insurance. He also provides health insurance options, including Medicare supplement insurance and disability insurance. Betley has been in the insurance industry since 2015 and is a member of the non-profit organization Beverly Area Planning Association. He can provide his services in Spanish.

  • Renter's Insurance
  • Homeowners

9825 S Pulaski Rd., Evergreen Park, IL 60805
WebsiteLicense: 15919177

Expertise.com Rating

Review Sources

Facebook
4.8 (29)
Google
5.0 (27)

Why choose this provider?

The Martin Insurance Team offers various policies to clients in the Chicago metro and surrounding areas. Homeowners can get the company's help with coverage for their residences against theft, vandalism, and damage caused by fires or natural disasters. Its home insurance provides compensation for injuries that occur inside the home. Its commercial insurance covers vehicle fleets and claims for workers' compensation and professional liability suits. The firm has been in the industry for more than 20 years.

  • Multiple Carriers

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
The CNW Group
5117B Main St Ste 10, Downers Grove, IL 60515
Joan Polec Insurance Agency
224 S Milwaukee Ave Ste D, Wheeling, IL 60090
C.C. & Associates, Inc.
5901 N. Cicero Avenue Suite 301, Chicago, IL 60646
Cresco Insurance
1700 W. Cermak Road, Chicago, IL 60608
Thomas Iaquinta Insurance Agency
7012 W. Archer Ave., Chicago, IL 60638
Thomas Ward Insurance
707 West Willow St, Chicago, IL 60614
Take 2 Insurance
6970 N. Clark St,, Chicago, IL 60626
MG Insurance Brokers
7041 W Higgins Ave, Chicago, IL 60656
Abe GT & Associates, Inc.
1024 W Fry St #102, Chicago, IL 60642
LaVan Insurance Agency - Brighton Park
3956 South California Avenue, Chicago, IL 60632
Mark Mackey
3338 West Foster Avenue, Chicago, IL 60625
Sharon Robles Agency LLC
1655 South Blue Island Avenue, Chicago, IL 60608
W.A. George Insurance Agency
155 N Michigan Ave Suite 300, Chicago, IL 60601
Diaz Insurance Agency
7151 W. Grand Avenue, Chicago, IL 60707
Melendez Insurance
1655 S Blue Island Ave, Suite 319, Chicago, IL 60608
Kozlowski & Associates
8348 Kennedy Ave, Highland, IN 46322
Prodigy Insurance Agency
4855 W Irving Park Road, Chicago, IL 60641
Gaylord Nelson
8516 S Pulaski Rd, Chicago, IL 60652
Zach Betley
10028 S Western Avenue, Chicago, IL 60643
Martin Insurance Team
9825 S Pulaski Rd., Evergreen Park, IL 60805

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.
  • How much is the average cost of homeowners insurance in Chicago?

    In Chicago, homeowners typically spend about $1,570 annually for $250,000 in dwelling protection. This rate exceeds Illinois' general average of $1,410. Nevertheless, individual rates can fluctuate. Factors such as personal claim records, specific location, and the value of the property play vital roles in determining the final insurance amount.

  • How do homeowners insurance deductibles work in the event of a claim in Chicago?

    When Chicago residents file a claim, their homeowner's insurance deductible applies each time. The insurer compensates for damages beyond this deductible. In total loss scenarios, the insurance might cover up to the policy's limit, reduced by the deductible. Deductibles commonly lie between $500 and $5,000. Notably, some coverages within the policy might not carry a deductible.

  • What distinguishes home insurance from a home warranty in Chicago?

    Home insurance in Chicago primarily covers damages to return your property to its pre-event state. On the other hand, a home warranty acts as a maintenance support, stepping in when household systems or appliances malfunction, and offering complete or partial cost offsets for repairs. It's crucial to understand these nuances when safeguarding your home assets.

  • What weather-related damages are typically covered by standard home insurance in Chicago?

    In Chicago, standard home insurance typically covers hail damage, often seen in roofing claims, minus the deductible. It also usually includes wind damages, from events like tornadoes, though terms may vary. Wildfire damages are often part of standard policies unless the location is prone to frequent wildfires. Lastly, lightning-caused damages to homes and possessions are generally included in the policy. Always review policy specifics.

  • Can a homeowners insurance policy in Chicago get terminated without approval?

    Yes, an insurance company in Chicago may conclude your homeowner's policy in three distinct ways if done without your approval. One is through rescission which erases the coverage from its onset and gives back your contributions. Another is by cancellation which halts the policy before its scheduled end. And lastly, through nonrenewal which ceases at the policy's close 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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