Homeowners Insurance


Chicagoland Homeowners Insurance

At Insurance Navy, we understand that selecting a homeowner’s insurance policy that works for your home is a time-consuming and overwhelming process. Insurance Navy is the fastest-growing insurance agency in Illinois and is here to make the insurance buying process simple and hassle-free.

We offer free quotes within minutes in our offices, over the phone, on our website or through our mobile app. With 16 locations throughout Illinois, Insurance Navy has the experience and expertise to give you the exact coverage you need, no matter where you are.

A homeowner’s insurance policy can provide a financial safety net if your home or belongings are damaged. A Illinois homeowner’s insurance policy typically covers other structures on your property like garages and tool sheds.

Unlike auto insurance, there is no state law obligating homeowners to buy an insurance policy for their homes. However, if you finance your home with a mortgage, most mortgage lenders require you to have a homeowner’s insurance policy.

The five basic areas of coverage offered by homeowner’s insurance are:

  1. Building and other structures
  2. Additional living expenses
  3. Personal property
  4. Liability
  5. Medical expenses

There are various factors used to determine the cost of homeowner’s insurance. Some risks can be controlled by homeowners and others may not. The primary factors that affect the cost of homeowner’s insurance are:

  1. Location of home
  2. Type of Structure
  3. Cost of the house
  4. Amount of Coverage
  5. Amount of Deductible

According to Value Penguin, the average cost of homeowner’s insurance is $987 a year in Illinois.

Homeowners insurance in Chicago may be the biggest expense that comes with owning a home. To make sure you are getting the most competitive rates, Insurance Navy will shop around and compare prices from multiple insurance providers. When shopping around with different carriers, Insurance Navy guarantees an accurate comparison by making sure the coverages, limits and deductibles match the prior policy or the new coverages desired by the insured.

It is important to understand the type of coverage you are buying. Protecting and educating our customers about their insurance options are our top priorities.  We are ready to work with your insurance needs and offer the most competitive prices.  Our customer base may be growing but we pride ourselves in having great client relationships and remain dedicated in providing everyone with a personalized experience.

Do you need more information about homeowner’s insurance in Illinois? Our agents and customer service representatives are here to help. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. For your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week.

*Please review your own policy carefully for details on homeowners insurance. Homeowner’s insurance varies by insurance company and policy.

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If you need immediate attention, please call (708) 237-0404. Thank you!