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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!).

Home Safety Features discount

Every house requires 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 a discount.

Welcome Home 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 an automatic discount.

Future Effective Date discount

Because we like to reward forward-thinkers, we'll give you this discount just for setting the effective date of your homeowners policy to be at least 7 days after your purchase date.

Smoke-Free discount

Another simple way to qualify for a discount on your homeowners insurance? Having a smoke-free household qualifies you for this discount.

More great home insurance discounts in Illinois include the Claim-Free discount, New Home discount, Hail Resistant Roof discount, Preferred Buyer discount, Multi-Policy discount, DIY Inspection discount, and the Loyal Customer 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 even comes 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 coverage options that come standard with your policy, including but not limited to:

Personal property protection

With Esurance homeowners insurance, your furniture, electronics, clothes, appliances, and other odds and ends are more secure against theft and damage.

Family liability protection

This coverage is important to have in case you accidentally injure someone or damage a neighbor's property. It also helps cover guests' medical bills and your liability costs, like legal fees and settlements. Plus, there's no deductible required for this coverage to take effect.

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.

Other structures coverage

Sometimes what you consider home goes beyond your main house, especially if you have other structures on your property. With an Esurance policy, you can get protection for structures unattached to your main house. So if a covered incident damages your gazebo, carport, or other unattached structure, you've got protection on your side.

Additional living expense coverage

If a fire in your kitchen gets out of hand and renders your home unlivable temporarily, this coverage kicks in to help you live elsewhere in the meantime. Your policy helps cover your hotel bill and other reasonable expenses for up to 12 months (up to your coverage limit), or until you're able to move back into your house.

advantages of an esurance policy

Flexible payment schedule

A payment plan that works for your lifestyle is one of the best things about choosing Esurance as your home insurer. Your Illinois homeowners insurance comes with a convenient 12-month policy term, which you have the option to pay:

  • Monthly
  • With your escrow account
  • All up front

Customizable coverage limits

Whether you boast bay windows or a half-bath, your pad has unique charms that keep it from being just another house on the block. You work hard to make your home your own, and your coverage should reflect that, which is why we offer a range of coverage limits for you to choose from.

5 percent back with claim forgiveness

You could save big if you play it safe. With this feature, if you're claim-free at the end of your term, you can get up to 5 percent of your premium back in your pocket.

Your rates won't increase even if you do end up filing a claim, and you'll even get to keep your Claim-Free discount. (Talk about a silver lining.)

more protection with optional coverages

You can get more from your homeowners policy by purchasing additional coverage options for your home in Illinois.

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.

Building codes coverage

You have enough to worry about if your home gets damaged without having to worry about building codes, too. With this coverage, you can stress less about city ordinances or newer building codes requiring over-your-limit rebuilding for your home. Building codes coverage pays the difference in cost to get your home up to code (up to the limit you select).

Identity theft expense coverage

A standard homeowners policy offers protection if your stuff is stolen, but what about your identity? If you're a victim of identity theft, this coverage is a real sanity-saver.

We set you up with a service dedicated to repairing the damage done to your name and credit, provide you with access to your annual credit report and score, and more. At just $3 a month (or $4 for 2 people), it's easy and affordable to help keep your identity safe from harm.

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.

Related links

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