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2024

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Best Homeowners Insurance Agencies in Evanston, IL

Our Recommended Top 10

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 Evanston 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.

52Reviewed

35Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

5215 Old Orchard Road, Skokie, IL 60077

Expertise.com Rating

Review Sources

Google
4.3 (35)
Yelp
4.0 (4)

Why choose this provider?

Heil & Heil Insurance Agency LLC is an insurance agency founded in 1885 that arranges policies for personal and business customers throughout Illinois and the U.S. Its agents frequently serve homeowners, discussing their unique needs and concerns, and finding policies within their budgets. The agents have arranged policies that cover common and uncommon disasters, from fires and floods to sinkholes and lightning strikes. The agency also offers umbrella insurance to protect clients from liability claims.

  • Personal Property Insurance

1806 Glenview Road, Glenview, IL 60025
WebsiteLicense: 100288434

Expertise.com Rating

Review Sources

Google
4.0 (53)
Facebook
5.0 (8)
Yelp
5.0 (1)

Why choose this provider?

GALO Insurance Agency is an independent insurance agency that serves clients in Evanston. It specializes in auto insurance, health insurance, life insurance, and home insurance. Its home insurance policies cover the needs of owners or renters of apartments and residential homes. Its agents search through policies from multiple insurance carriers to find the home insurance coverage that fits their clients' needs. They also provide risk assessment and objective analysis of the marketplace to help clients make sound decisions.

  • Homeowners

West Devon Avenue, Park Ridge, IL 60018

Expertise.com Rating

Review Sources

Google
5.0 (8)
Facebook
5.0 (5)
Yelp
3.0 (2)

Why choose this provider?

Ann Witek and her team of licensed agents have been State Farm insurance agents since 1981. The agency can help homeowners mold a policy that is within their budget while providing the coverage they need for their properties in the event of disasters, such as fires and floods. Ms. Witek can also discuss policies that can cover the costs of repairing or replacing personal items and protecting the homeowner from liability claims by visitors injured on their properties.

  • Multiple Policy Types

1603 Orrington Avenue, Evanston, IL 60201

Expertise.com Rating

Why choose this provider?

Robert Reece Insurance & Financial Services has been delivering personal and commercial insurance options for clients in Evanston and the surrounding communities for almost 50 years. The agents advise clients on the right homeowners' insurance policy to get depending on the extent of the perils covered. The standard homeowners' insurance policy protects the house itself and other structures and personal belongings such as furniture and appliances. The perils that are covered include windstorms, fire, and theft.

  • Fire
  • Multiple Policy Types

6035 Northwest Highway, Chicago, IL 60631

Expertise.com Rating

Review Sources

Google
4.6 (17)
Facebook
5.0 (8)

Why choose this provider?

Riordan Insurance Group has been serving individuals and businesses for more than 30 years. Its licensed agents routinely advise and help clients in Illinois, Indiana, and Wisconsin, who are looking for home insurance that will protect them from the costs of replacing and repairing properties damaged by disasters, such as fire. Additionally, they can help clients get coverage for personal items, including valuables, such as art, and liability coverage should a visitor be injured in their properties.

  • Renter's Insurance

1800 Central Street, Evanston, IL 60201

Expertise.com Rating

Review Sources

Google
4.8 (32)
Yelp
4.0 (7)
Facebook
5.0 (1)

Why choose this provider?

John Roman is a State Farm insurance agent offering property damage coverage for homeowners in Evanston. Beyond securing repair costs for a client's dwelling, State Farm's home insurance covers select personal belongings, including keepsakes, hobby items, and home or gardening equipment. It includes damages sustained from natural hazards such as lightning, wind, and hail; sudden instances of fire, theft, and vandalism; and faulty pipes and torn or bulging HVAC systems. An agent since 2004, Roman also offers auto, health, and life insurance.

  • Multiple Policy Types

7535 North Western Avenue, Chicago, IL 60645

Expertise.com Rating

Review Sources

Google
4.6 (88)
Facebook
5.0 (13)
Yelp
3.5 (5)

Why choose this provider?

Clover Insurance has been providing insurance solutions to Evanston and the surrounding communities for more than 40 years. Its team of professionals offers homeowers' insurance services focusing on owner-occupied single-family homes. The home insurance policy covers personal property, living expenses, medical costs, personal liability, and other structures. The company also provides auto, motorcycle, rideshare, and SR-22 insurance solutions. The insurance agents at Clover Insurance can also cater to Spanish-speaking clients.

  • Multiple Policy Types

5225 Old Orchard Road, Skokie, IL 60077

Expertise.com Rating

Review Sources

Google
5.0 (29)

Why choose this provider?

Free Range Insurance is an independent insurance agency that has been serving Illinois locals in the Evanston and Skokie areas since 2012. It offers homeowners insurance policies for traditional homeowners, condo dwellers, renters, mobile home owners, and landlords. Its standard homeowners' policy covers the dwelling and other structures, disasters and theft, medical expenses, and personal liability. Clients may also obtain supplementary policies, such as in-home business coverage and scheduled property insurance. Free Range Insurance represents carriers such as National General Insurance, Travelers, and Nationwide.

  • Landlord specialties
  • Multiple policies
  • Multiple Carriers

939 West North Avenue, Chicago, IL 60642

Expertise.com Rating

Review Sources

Facebook
5.0 (34)
Yelp
5.0 (1)

Why choose this provider?

The licensed agents at Weer Insurance Group provide independent advice on a wide range of policies suitable for homeowners. The agency partners with many of the top insurers, such as Liberty Mutual and Travelers, to bring a choice of policies to clients that suit a range of budgets. The policies can provide coverage against natural disasters, such as storms, and unforeseen accidents that result in fires or floods. Additionally, the agents can discuss umbrella insurance.

  • Renter's Insurance
  • Condos

900 Chicago Avenue, Evanston, IL 60202

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Education Insurance Agency - Meemic is an insurance agency that specializes in home and auto insurance coverage for educators and teaching personnel in Evanston. Its homeowners' insurance policies protect homes, homeowners, and personal belongings from damage, personal liabilities, natural disasters, and losses (replacement for theft and burglaries). Clients of Education Insurance Agency can also avail of policy extensions that cover work-from-home equipment, educator liability, and losses of perishable goods from power loss.

  • Renter's Insurance
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Heil & Heil Insurance Agency LLC
5215 Old Orchard Road, Skokie, IL 60077
GALO Insurance Agency
1806 Glenview Road, Glenview, IL 60025
Ann Witek - State Farm Insurance Agent
West Devon Avenue, Park Ridge, IL 60018
Robert Reece Insurance & Financial Services
1603 Orrington Avenue, Evanston, IL 60201
Riordan Insurance Group
6035 Northwest Highway, Chicago, IL 60631
John Roman - State Farm Insurance Agent
1800 Central Street, Evanston, IL 60201
Clover Insurance
7535 North Western Avenue, Chicago, IL 60645
Free Range Insurance
5225 Old Orchard Road, Skokie, IL 60077
Weer Insurance Group
939 West North Avenue, Chicago, IL 60642
Education Insurance Agency - Meemic
900 Chicago Avenue, Evanston, IL 60202

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 factors can affect your homeowners’ insurance cost in Evanston?

    Factors that can affect your homeowners' insurance cost include the insurance claims statistics in the Evanston area where your home is located, the age of your home, and the construction materials used in your house. Also, having a swimming pool may mean a higher liability coverage on your policy. Additionally, if you do business in your home, your policy may need to be expanded to cover your business supplies and equipment.

  • Are there required minimum coverage limits for homeowners’ insurance in Evanston?

    Homeowners’ insurance is not a legal requirement for residential property ownership in Evanston, so there are no minimum coverage limits you need to follow, like in auto insurance. However, if you have a mortgage on your house or are purchasing a home with a mortgage, the lender will need homeowners' insurance and will set coverage limits for you to maintain until the mortgage is paid off.

  • In what circumstances can insurance companies in Evanston cancel a homeowners’ insurance policy?

    Under state law, insurance providers in Evanston may revoke a policy for any reason up to 60 days after it becomes effective. After that time, policies may only be canceled if the policyholder fails to pay their premium on time, fraud or misrepresentation was used to purchase the policy, the risk to the property has increased, or the property has deteriorated in condition, leading to an increase in risk.

  • Does a homeowners' insurance policy pay for repairs to a faulty electrical system of your Evanston home?

    Yes. Your homeowners’ insurance policy covers damages to your house’s electrical system. Your policy should list damaging events, mostly unexpected emergencies, against which your system is protected. However, there are particular electrical systems that homeowners’ insurance providers in Evanston do not cover. These include systems that use aluminum wiring and tube and knob electrical systems. These have a high risk of fire and defects, mostly seen in old houses.

  • Can your homeowners’ insurance policy in Evanston pay for repairs for your fire-damaged shed?

    Yes. In Evanston, your homeowners’ insurance policy should include other structures coverage. This pays for repairs for detached structures on your property, such as your shed, detached garage, swimming pool, fence, or gazebo. In addition, if your shed's contents are damaged, you can claim it separately against your policy’s personal property coverage. The other structures coverage only pays for structural damages.

  • 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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