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2024

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Best Homeowners Insurance Agencies in Joliet, IL

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Joliet 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.

93Reviewed

59Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

18 South Larkin Avenue, Joliet, IL 60436

Expertise.com Rating

Review Sources

Google
4.8 (151)
Facebook
5.0 (39)
Yelp
5.0 (1)

Why choose this provider?

Insurance Navy is a homeowners' insurance agency serving the Joliet area. The firm helps homeowners obtain necessary financial protection through seven coverage options. These options include house damage repairs in case of covered losses, such as fire and hail, and appurtenant structure repairs, including fences and detached garages. Policyholders also receive compensation for injury liabilities and restaurant and hotel bills due to temporary loss of use. Insurance Navy has a mobile app that facilitates payments, policy viewings, and agent communication.

  • Multiple Policy Types

113 Republic Avenue, Joliet, IL 60435

Expertise.com Rating

Review Sources

Google
5.0 (3)
Facebook
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Mudron Kane Insurance is a locally-owned insurance company in Joliet established in 2010. Its homeowners insurance policies provide property and liability coverage. Flood damage is also covered through a separate, supplemental policy from the National Flood Insurance Program or a few private insurers. Its team of insurance professionals is open to policy review and change requests made online for the convenience of its clients. The company also provides auto, business, and umbrella insurance. Mudron Kane Insurance represents insurance carriers such as Hagerty, MetLife, Travelers, and many more.

  • Multiple Policy Types

1260 W Jefferson St 101, Joliet, IL 60435

Expertise.com Rating

Review Sources

Google
4.7 (6)
Facebook
5.0 (3)
Yelp
1.0 (1)

Why choose this provider?

Get Insured, Inc., is an insurance agency that provides homeowners' insurance to clients in Joliet and nearby areas. As an independent insurance agency, it helps clients compare and research insurance carriers with policies that will match their needs. A homeowners' insurance protects the home and its content from damages caused by natural disasters, theft, and vandalism. The agency also grants renters' insurance policies that cover personal belongings inside a home, apartment, or room the client is renting.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

227 North Hammes Avenue, Joliet, IL 60435

Expertise.com Rating

Why choose this provider?

L. DeGeus & Associates Insurance is a family-owned business that serves clients in Joliet and the surrounding areas. It has been serving the community for over 70 years, providing comprehensive insurance coverage designed to fit the clients' needs. Its products include home, health, automotive, and business insurance. The business also serves the needs of various industries, including schools, sports clubs, and social services. Furthermore, it represents an extensive network of carriers, including Encompass, AAA, Hagerty, Safeco, and Foremost.

  • Homeowners
  • Renter's Insurance

2218 Plainfield Road, Crest Hill, IL 60403

Expertise.com Rating

Review Sources

Google
4.4 (14)

Why choose this provider?

Urbasek Insurance Services, Inc. has been providing insurance solutions to Joliet locals since 1981. It caters to homeowners in Illinois seeking insurance protection for their residential properties. Its homeowners' insurance policies provide coverage for the dwelling and other structures, personal property, personal liability, and loss of use. It also offers additional coverages for debris removal, damage from named perils, floods, and identity theft. Additionally, clients may avail themselves of services such as policy changes, insurance claim reports, consultation services, and insurance carrier communication.

  • Renter's Insurance
  • Multiple Policy Types

815 Sherwood Place, Joliet, IL 60435

Expertise.com Rating

Review Sources

Google
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Olin Insurance is an independent insurance agency that has been serving individuals and businesses in Joliet since 1922. Its team of insurance agents helps clients find home insurance policies that address their goals and needs. It provides complete home insurance policies including personal home, personal belongings, umbrella properties, and personal liability. This family-owned and operated company holds outstanding customer service and solid insurance solutions as the cornerstones of its business. It offers auto, life, and health insurance too.

  • Multiple Policy Types

615 Kungs Way, Joliet, IL 60435

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Chizmark Larson Insurance Agency is an Illinois insurance agency serving home and business owners in the Joliet area. It offers exhaustive homeowners' insurance coverages and caters to various types of homeowners, such as traditional homeowners and condo owners. Its team of experienced agents aims to understand the clients' financial situations and provide them with the most suitable coverage options for their needs and requirements. The agents also provide consultation services and assistance in obtaining supplementary insurances for disasters excluded from standard policies.

  • Condos
  • Multiple Policy Types
  • Flood

1012 Plainfield Rd, Joliet, IL 60435

Expertise.com Rating

Review Sources

Google
4.9 (31)
Facebook
5.0 (4)
Yelp
5.0 (1)

Why choose this provider?

Jack Anderson Jr - State Farm Insurance Agent is an insurance services provider with English and Spanish-speaking insurance agents. Since 1994, the agency has been serving the communities of Joliet, Will County, and the Chicago Metro Area. Its team helps residents financially protect their homes and assets with homeowners insurance coverages fit for them. Clients can reach out to agents 24/7 and the agency accepts walk-in customers. Other insurance products include auto, property, business, pet, life, and health.

  • Personal Property Insurance
  • Multiple Carriers

600 Theodore St, Joliet, IL 60435

Expertise.com Rating

Review Sources

Google
4.4 (12)

Why choose this provider?

Wayne Bessette - State Farm Insurance Agent is an insurance brokerage serving the Joliet community since 1984. Wayne Bessette and his team help homeowners and condo unit owners to protect their investments by finding the insurance coverages fit for their situation. Other property insurance includes renters, rental property, manufactured home, farms and ranches, personal articles, and floods. Wayne is an active volunteer of Habitat For Humanity in Pensacola and a local parish council member for auto and life insurance quotes.

  • Multiple Policy Types

116 North Chicago Street, Joliet, IL 60432

Expertise.com Rating

Review Sources

Google
5.0 (6)
Facebook
5.0 (2)

Why choose this provider?

DMT Insurance Service, Inc., is a one-stop-shop insurance agency for Joliet residents. It provides a homeowners' insurance policy that covers the usual components, such as coverage for the home structure, coverage for personal belongings, liability protection, and additional living expenses. Clients are encouraged to consider certain things when getting a homeowners' insurance to easily determine the coverage costs. Renters and umbrella insurance are also offered. DMT Insurance Service is affiliated with different insurance companies, including United of Omaha Life Insurance Company and Specialty Risk of America.

  • Earthquake
  • Personal Property Insurance
  • Fire

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Insurance Navy
18 South Larkin Avenue, Joliet, IL 60436
Mudron Kane Insurance
113 Republic Avenue, Joliet, IL 60435
Get Insured, Inc.
1260 W Jefferson St 101, Joliet, IL 60435
L. DeGeus & Associates Insurance
227 North Hammes Avenue, Joliet, IL 60435
Urbasek Insurance Services, Inc.
2218 Plainfield Road, Crest Hill, IL 60403
Olin Insurance
815 Sherwood Place, Joliet, IL 60435
Chizmark Larson Insurance Agency
615 Kungs Way, Joliet, IL 60435
Jack Anderson Jr - State Farm Insurance Agent
1012 Plainfield Rd, Joliet, IL 60435
Wayne Bessette - State Farm Insurance Agent
600 Theodore St, Joliet, IL 60435
DMT Insurance Service Inc.
116 North Chicago Street, Joliet, IL 60432

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.
  • Are Joliet homeowners required to have homeowners’ insurance policies?

    While there are no state laws requiring homeowners in Joliet to take out homeowners’ insurance policies, it is a common requirement enforced by mortgage lenders. Those who own their homes outright are not obliged to have homeowners’ insurance. However, standard policies provide protection in the event of common risks in Illinois, such as tornadoes, hail, and fire damage.

  • What are the types of homeowners’ insurance policies in Joliet?

    The three main types of homeowners’ insurance policies in Joliet are actual cash value, replacement cost, and guaranteed or extended replacement cost policies. While actual cash value policies replace one’s damaged structure and belongings after deducting any depreciation costs, replacement cost value policies make no such deductions. Meanwhile, guaranteed or extended replacement cost policies offer full replacement exceeding one’s policy limits.

  • How much does homeowners’ insurance cost in Joliet?

    In Joliet, the average annual homeowners’ insurance premium for a dwelling coverage of $250K is $$1,352. This is significantly lower than the national average cost of $1,428 per year. Meanwhile, cities in Illinois with the most expensive homeowners’ insurance premiums include Hartford, West Liberty, Lerna, South Roxana, and West Union.

  • How can Joliet residents lower their homeowners’ insurance premiums?

    Residents of Joliet may be able to obtain lower homeowners’ insurance premiums if they have not made a claim for three to five years. Installing security features such as sprinklers, smoke detectors, and security cameras may also qualify policyholders for discounts. In addition, those with newly purchased or built homes may be offered cheaper premiums.

  • How do construction types affect Joliet homeowners’ insurance policies?

    Those in Joliet with fire-resistive or masonry-type homes typically save the most when it comes to homeowners’ insurance policies. The same goes for those with brick-type homes and hail-resistant roofs. Meanwhile, those with features such as a swimming pool tend to pay costlier premiums. Other factors that impact insurance costs include proximity to public safety departments.

  • 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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