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2025

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Best Homeowners Insurance Agencies in Rockford, IL

Our Recommended Top 5

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 Rockford 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.

94Reviewed

58Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

207 South State Street, Belvidere, IL 61008

Expertise.com Rating

Review Sources

Google
4.0 (76)
Facebook
5.0 (1)

Why choose this provider?

Taft Insurance Agency serves the Rockford area and works to ensure that homeowners have a comprehensive understanding of their insurance options. The independent agency aims to help homeowners financially protect their properties and possessions by determining policies that fit their needs. Taft Insurance Agency provides assistance in identifying policies and additional options that cover traditional homes as well as townhomes, condominiums, personal articles, and liabilities. The agency's former clients have commended the team for its customer service skills.

  • Renter's Insurance
  • Homeowners

4455 North Mulford Road, Loves Park, IL 61111
WebsiteLicense: 100298774

Expertise.com Rating

Review Sources

Google
4.9 (90)
Facebook
5.0 (36)
Yelp
5.0 (1)

Why choose this provider?

Eckburg Insurance Group was founded 40 years ago with the vision to provide quality insurance. The homeowners' insurance agency provides services to communities in Rockford and surrounding areas and carries options for condominiums, renters, landlords, and flood insurances. Business owners can avail themselves of the agency's general liability, property, workers' compensation, and commercial auto insurances. Eckburg Insurance Group creates custom plans and packages to meet client-specific needs by working with over 30 insurance companies that include AAA, Hanover, EMC, National General, and Westfield.

  • Homeowners

11716 Main Street, Roscoe, IL 61073
WebsiteLicense: 100637899

Expertise.com Rating

Review Sources

Google
4.0 (15)
Facebook
5.0 (12)

Why choose this provider?

Shaver Insurance Agency, Inc., is a family-owned and independent company that has been offering homeowners' insurance policies for residents in Rockford since 1977. It provides fire, property damage, personal liability, medical expenses, secondary home, and flood coverage. Shaver Insurance Agency works with its clients to navigate the property risks and creates customized coverage plans tailor-fit for each home and family lifestyle. It also delivers insurance solutions for life, auto, renters, business, and commercial property insurance.

  • Fire
  • Flood
  • Personal Property Insurance

5301 East State Street, Rockford, IL 61108
WebsiteLicense: 100294860

Expertise.com Rating

Review Sources

Google
4.7 (13)
Facebook
5.0 (6)

Why choose this provider?

Spectrum Insurance Agency, Inc., is a risk management specialist based in Rockford. One of the products it offers is homeowners' insurance which covers property damage due to fire, natural disasters, theft, and vandalism. It also helps pay for medical expenses in case a guest obtains injuries at the policyholder's home. The agency's team customizes insurance plans according to clients' needs, working with different providers like MetLife and Safeco Insurance. Spectrum Insurance Agency has been in service since 1982.

  • Homeowners

7 East Main Street, Evansville, WI 53536

Expertise.com Rating

Review Sources

Google
5.0 (53)
Facebook
5.0 (17)

Why choose this provider?

Jeff Farnsworth, State Farm Insurance Agent, is an office operated by an exceptionally experienced agent who's been in business for over 35 years. Mr. Farnsworth helps clients by providing quotes for the coverage they need and assessing their situations to help them purchase the right amounts of coverage to protect themselves from financial losses and personal liabilities. Auto, business, and health insurance policies are available as well and this office insures pets too.

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

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Taft Insurance Agency
207 South State Street, Belvidere, IL 61008
Eckburg Insurance Group
4455 North Mulford Road, Loves Park, IL 61111
Shaver Insurance Agency, Inc.
11716 Main Street, Roscoe, IL 61073
Spectrum Insurance Agency, Inc.
5301 East State Street, Rockford, IL 61108
Jeff Farnsworth - State Farm Insurance Agent
7 East Main Street, Evansville, WI 53536

Rockford, IL Homeowners Insurance Agency FAQs

  • What is the average cost of homeowners' insurance in Rockford?

    The cost of homeowners' insurance depends on several factors, including the value of your coverage, your deductible, and the construction materials used in your house. In Rockford, homeowners' insurance costs $1,410 per year, or $117 per month, on average. The national average cost of homeowners insurance is $1,428 per year.

  • Is it mandatory to have homeowners insurance in Rockford?

    Homeowners' insurance is not mandatory in Rockford. However, you may prefer to get insurance coverage to help protect your house and belongings. Additionally, your lender may require you to obtain homeowners' insurance if you have a mortgage. Asset protection and lender requirements are two of the common reasons you may obtain homeowners' insurance.

  • What is covered by homeowners' insurance in Rockford?

    Homeowners' insurance in Rockford includes coverage to protect your personal belongings and property against certain risks, such as theft, vandalism, lightning, fire, and windstorms. It can also include coverage for liability exposure, such as accidents that occur on your property. Furthermore, a standard homeowners' policy includes coverage for dwelling and loss of use.

  • What type of homeowners' insurance is common in Rockford?

    An HO-3 policy is the most common type of homeowners' insurance in Rockford. It provides expansive coverage to protect you from losses resulting from fires, theft, and vandalism. Additionally, it may include personal liability coverage. HO-3 is commonly offered to owners of single-family dwellings. However, some homeowners' associations may require their residents to have additional forms of insurance coverage.

  • What are considered high-risk items in homeowners insurance in Rockford?

    Laptops, tablets, computers, mobile phones, and other small electronic equipment are generally considered high-risk items in Rockford. Jewelry, antiques, collections, and expensive clothing and artwork are also classified as high-risk items. A vacation home as well as a house that is in areas that commonly experience extreme weather conditions such as tornadoes can also be considered high-risk.

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