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illinois homeowners insurance

You don't imagine anything going wrong in your home in Illinois. It's the place where the oven always gets turned off, the roof never leaks, and the storm never starts (and for good measure, you just watched the Cubs win the World Series … Hey, we're talking ideal scenarios, right?). In reality, though, things rarely go that smoothly. Fortunately, if the unimaginable happens, homeowners insurance helps you be prepared.

Whether a fire breaks out in your kitchen or ice and snow damage your roof, home insurance is in your corner. Get a free quote for Illinois homeowners insurance and learn how an Esurance policy can help rebuild your home, replace lost belongings, and protect the financial future of your family.

home insurance discounts in illinois

As a homeowner, it's important to have a policy that has your back and gives back. You treat your house well, and you should be rewarded for it. That's why having an Esurance policy gets you tons of simple-to-score discounts that help keep money in your wallet (and even put some back!).

For instance, it's good for every house to have a solid security system — whether it's to prevent theft or fire. That's why if you've installed everyday safety features like a burglar alarm or smoke detector, you could score our Home Safety Features discount.

Want savings on your first 2 policy terms? It's as easy as this: to welcome you to Esurance (whether you're coming to us from another home insurer or are insuring a newly purchased home with us), we grant you our Welcome Home discount.

Other discounts in the Land of Lincoln include:

  • DIY Inspection discount
  • Loyal Customer discount
  • Claim-Free discount
  • Multi-Policy discount
  • Smoke-Free discount
  • Preferred Buyer discount
  • Hail Resistant Roof discount
  • Future Effective Date discount
  • New Home discount

standard illinois home coverages

Your homeowners policy does much more than merely insure the structure of your home — it protects your everyday items, your family's liability, and could even come to your aid in the event of accidental damage to a neighbor's property. If your dream home takes a temporary dive, your Illinois homeowners insurance has a great assortment of coverages that come standard with your policy.

Dwelling protection

Living in the Prairie State has its perks, but the weather isn't always one of them. If a covered risk like your (in)famous wind or even hail or fire causes major damage to your home, your homeowners insurance can help you repair or rebuild. It's smart to purchase at least enough dwelling protection coverage to cover the total cost of rebuilding your home. You can always up your level of coverage if you'd like.

Personal property protection

With your state's impressive (and terrifying) average of 54 tornadoes annually, it makes sense that you'd want coverage for your belongings in addition to the structure of your home. With an Esurance homeowners policy, your furniture, electronics, clothes, appliances, and other odds and ends are more secure against theft, damage, and many of Mother Nature's more violent mood swings.

Other home coverages that come standard in Illinois include:

  • Guest medical protection
  • Other structures protection
  • Additional living expense coverage
  • Family liability protection

more protection with optional coverages

But what about big-ticket valuables and other specialty items? Luckily, you can always get more from your homeowners policy by purchasing additional coverage options for your home in Illinois.

Eco upgrade

If a covered incident causes your dishwasher to foam at the mouth (or door), this coverage will help you upgrade energy-inefficient appliances to an ENERGY STAR qualified replacement.

Additional coverage on jewelry, watches, and furs

Standard personal property coverage might not be enough to secure your most prized (or priciest) possessions. In that case, additional coverage for your big-ticket items is a surefire way to get better protection if your valuables are ever damaged or stolen.

Want more specialized coverages to bulk up your home policy? Consider adding our optional building codes coverage, golf cart coverage, and identity theft expense coverage.

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Wonder if you could be saving on homeowners insurance?

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