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2024

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Best Homeowners Insurance Agencies in Naperville, IL

Our Recommended Top 8

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 Naperville 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.

91Reviewed

57Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1300 Iroquois Avenue, Naperville, IL 60563

Expertise.com Rating

Review Sources

Google
4.9 (40)
Facebook
5.0 (12)
Yelp
3.0 (2)

Why choose this provider?

Trunnell Insurance Services is a full-service insurance brokerage that has been serving homes and businesses in Naperville for almost 2 decades. This neighborhood insurance broker strives to keep its clients' homes and properties protected. Its homeowners insurance policy includes dwelling coverage, personal property, guest medical protection, liability, and flood insurance. Its team of agents does all the leg work and takes the time to explain thoroughly every part of the policy coverage to its clients. It handles auto, business, and life insurance as well.

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

105 Jackson Avenue, Naperville, IL 60540

Expertise.com Rating

Review Sources

Google
4.5 (17)

Why choose this provider?

PA Skarr, INC. is a local insurance agency that offers 24-hour services in Naperville, Aurora, and Plainfield. It has helped thousands of clients select and purchase the insurance that suits their needs, from business to home insurance. This family-owned and operated agency offers homeowners insurance for financial protection against disasters that damages the property. The package policy can cover repair or replacement expenses for homes. Other insurance products offered include auto, business, and life insurance.

  • Multiple Carriers
  • Fire
  • Multiple Policy Types

306 East Ogden Avenue, Naperville, IL 60563

Expertise.com Rating

Review Sources

Google
5.0 (84)

Why choose this provider?

Dan Parker- State Farm Insurance Agent provides prompt and accurate insurance services in Naperville. This licensed agent is a member of the Chamber of Commerce and focuses on auto and home insurance. Whether the client owns or rents a property, Parker is available to assist clients in protecting their investments through homeowner, condo unitowners, and rental property insurance policies. Home insurance includes lost items and personal property coverage. Dan Parker is also an expert in business, life, and health insurance.

  • Personal Property Insurance

5 Main Street, Oswego, IL 60543

Expertise.com Rating

Why choose this provider?

NM Tripp Insurance Agency Inc. is an independently owned and operated insurance agency serving the residents of Naperville and the nearby communities. The agency has been in operation for over 60 years, and its team sells personal insurance packages to cover repair costs for damaged homes, as well as the contents of the properties. It also sells insurance for renters. Additionally, the company offers auto, business, life, and health coverage.

  • Condos
  • Renter's Insurance
  • Multiple Policy Types

1730 Park Street, Naperville, IL 60563

Expertise.com Rating

Review Sources

Google
4.9 (47)
Facebook
5.0 (9)
Yelp
5.0 (1)

Why choose this provider?

Advantage Insurance Services, Inc. is an independent insurance agency based in Naperville that offers a variety of personal and commercial insurance services and products. Its licensed professionals offer homeowners insurance policies, which provide protection for a client's property, covering damages caused by unforeseeable events. They also cover individuals who are injured by someone living in the home or inside the property. Advantage Insurance Services also provides auto, business, life, and health insurance policies.

  • Multiple Policy Types

1807 West Diehl Road, Naperville, IL 60563

Expertise.com Rating

Review Sources

Google
5.0 (44)
Facebook
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

Clearpoint Insurance and Financial Services is an agency located in Naperville focusing on home, auto, life, and commercial insurance. The company provides insurance policies that protect homes from different type of threats such as natural disasters as well as more common things like pipe leaks and property damage. The agency also offers business insurance and umbrella insurance. Clearpoint Insurance and Financial Services is a member of the St. Charles Chamber of Commerce.

  • Multiple Carriers
  • Multiple Policy Types
  • Personal Property Insurance

1823 Centre Point Circle, Naperville, IL 60563

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Valley Insurance Group provides homeowners' insurance in Naperville and the surrounding areas. The agency's insurance professionals help clients obtain insurance for their homes based on their location, the amount of valuables inside, and the extent of coverage they want. Homeowners' insurance may include property coverage, personal property coverage, liability, medical expenses, and living expenses. The company also provides auto, life, landlord, and renters' insurance for individuals, as well as cyber liability, employee benefits, and workers' compensation for businesses.

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

1209 Oak Street, North Aurora, IL 60542

Expertise.com Rating

Review Sources

Google
5.0 (119)
Facebook
5.0 (5)

Why choose this provider?

Danielle Rouille is an insurance agent with State Farm Insurance who works with the residents of Naperville and the surrounding areas. Rouille provides quotes for her clients regarding homeowners insurance packages. She sells customized plans that are tailored to her clients' needs and cover their homes in the events of theft, vandalism, and natural disasters, such as heavy rain, high-speed winds, and fires. The agent's team is available at all times.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Trunnell Insurance Services
1300 Iroquois Avenue, Naperville, IL 60563
PA Skarr, INC.
105 Jackson Avenue, Naperville, IL 60540
Dan Parker- State Farm Insurance Agent
306 East Ogden Avenue, Naperville, IL 60563
NM Tripp Insurance Agency Inc
5 Main Street, Oswego, IL 60543
Advantage Insurance Services, Inc.
1730 Park Street, Naperville, IL 60563
Clearpoint Insurance & Financial Services
1807 West Diehl Road, Naperville, IL 60563
Valley Insurance Group
1823 Centre Point Circle, Naperville, IL 60563
Danielle Rouille - State Farm Insurance Agent
1209 Oak Street, North Aurora, IL 60542

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's the difference between your homeowners insurance in Naperville being dropped from it being canceled?

    If your insurance company in Naperville decides to drop you, your policy won't renew after it expires, necessitating the search for a new one. In the case of policy cancellation, you'll receive advance notice, affording you ample time to secure replacement coverage. Homeowners insurance can generally be canceled at any time, provided there's a valid reason like fraud, increased risk, or failure to pay. The notice period typically ranges from 10 to 30 days, depending on the reason behind the cancellation.

  • What is the payment process for homeowners insurance in Naperville?

    You can make direct payments to the insurance company for your Naperville homeowners insurance policy, or you can explore other options. Reach out to your mortgage company to inquire about escrow, a method where you pay your insurance alongside your mortgage. This divides your premiums into smaller installments and streamlines your interactions with one company. Keep in mind that not everyone may be eligible for escrow, so it's advisable to consult with your lender.

  • Is mold covered by homeowners insurance in Naperville?

    Mold is frequently part of homeowners insurance coverage in Naperville, but its eligibility depends on the cause of the mold growth. If negligence on your part is found to be the cause of mold after owning the home for some time, there's a significant chance your claim will be denied. On the other hand, if you've recently moved in and discovered mold in an unexpected and hard-to-reach location, it's more likely to qualify for coverage.

  • What distinguishes a homeowners insurance from a home warranty in Naperville?

    In Naperville, homeowners insurance will give you the money you need to restore your home to the condition it was in before an accident or damage occurred. A home warranty, on the other hand, functions more as a maintenance tool. For instance, a home warranty policy will provide you with partial or full discounts on the cost of repairs if a home system or appliance malfunctions.

  • 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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