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Illinois Homeowners Insurance
Whether you own a two-flat in Logan Square or a ranch in Macomb, Mercury Insurance believes you deserve superior home protection. That's why Mercury offers a range of coverage options to build a plan that meets every homeowner's needs. Local Mercury agents are on a mission to help save you money in cities and towns across this great state.
The Right Coverage for Illinois Residents
When you choose Mercury, you're more than just a name and number. Every policy comes with a local independent agent who gets to know you and helps build a protection plan that meets your specific needs.
All homes in Illinois are not equal. Homeowners along the Mississippi River have to worry about flooding more than a homeowner in Springfield. When landscapes and houses are drastically different, it's smart to work with one of the best homeowners insurance companies in Illinois, where you'll have an agent to help you select the proper coverage for your situation.
According to the Federal Bureau of Investigation, there were nearly 28,000 burglaries reported in 2019. That's millions of dollars in damages and stolen property. We don't want you to become a part of this statistic. Our claims team will get you back on your feet as soon as possible in the event of a loss. Here are some of the coverage options Mercury offers to help protect you and your home:
Dwelling Protection
- Covers damage to the physical structure of your home due to a covered loss, such as a fire, storm, or lightning strike.
Personal Property
- Helps cover the cost of personal property if items are damaged, destroyed, or stolen due to a covered peril. Personal property examples include furniture, clothing, and electronics.
Extended Replacement Cost
- Expands your dwelling coverage up to 150% to help pay for your home’s repair and rebuilding costs following a covered loss.
Additional Living Expenses
- Helps cover excess living expenses — e.g., hotel stays, meals, etc. — you incur after being displaced from your home.
Unmatched Siding and Roofing
- Helps cover undamaged portions of siding or roofing to be replaced as well as the damaged areas when there is a mismatch.
Limited Hidden Water, Steam Seepage, or Leakage
- Helps to cover small amounts of hidden water damage in the home.
Personal Liability Protection
- Protects you financially if you’re liable for damages or injuries to others — in or out of your home.
Guest Medical Protection
- Helps pay for medical costs if a guest accidentally injures themselves in or around your property.
Identity Theft Protection
- Helps cover expenses you incur as a result of criminal identity theft.
Green Home
- Mercury will cover up to an additional 10% of the replacement costs for environmentally-friendly alternatives or construction methods with a covered loss.
Refrigerated Products
- Covers up to $1,000 of food items if there's a loss of power or a mechanical failure of a refrigerator resulting in spoiled food.
For a fast, free quote, call (866) 912-9741.
Homeowners Insurance Discounts for Illinois Residents
We know how important it is to save every dollar, so that's why we offer a variety of discounts to help you save even more. Whether you're shopping for a home in Chicago, Plainfield, Carbondale, or anywhere else in this beautiful state, consider the following options as they can help you save even more when you buy homeowners insurance:
Check out a few we offer:
- Multi-policy with our AUTO + HOME Discount
- Protective Devices Discount (smoke alarms, deadbolts, burglar alarms, etc.)
- Fire-Resistant Construction Materials
- Green Home
- Newer Home
- Gated Community
- Selecting a higher deductible
- Paid In Full
- Digital, Paperless Billing
- Good Payer
Common FAQs About Homeowners Insurance Coverage in Illinois
What Is the Average Cost of Home Insurance in Illinois?
According to Bankrate, the average cost of home insurance is $1,376 per year or about $115 per month.
Does Illinois Require Homeowners Insurance?
No, homeowners insurance is not required in Illinois, but mortgage lenders will likely require to get it so you can get a loan.
What Insurance Does Mercury Offer in Illinois?
Explore the insurance options we have available in Illinois:
What discounts are available for Mercury homeowners insurance in Illinois?
Mercury offers several discounts in Illinois. These can help lower your premiums while keeping your coverage robust. They include:
- Green Home discount
- Good Payer discount
- Paid in Full discount
- Protective Devices discount
- Bundling policies discount
- Advanced Quote discount for new customers
- Loss-Free discount
Check with your local agent when reviewing your homeowners insurance or getting quotes for a new policy.
Does Mercury offer discounts for protective devices in Illinois?
Yes, Mercury rewards homeowners who have protective devices in their homes. Applicable devices include fire alarms and extinguishers, smoke detectors, theft protective alarms and devices, as well as water leak detection devices, such as an automatic shut-off system.
Are there discounts for newer homes or gated communities in Illinois with Mercury?
Yes, Mercury provides discounts for both newer homes and those located in gated communities throughout the state. Ask about how the discounts specifically apply to your home when you get a homeowners insurance quote in Illinois.
What is the Good Payer Discount from Mercury Insurance in Illinois?
The Good Payer Discount rewards policyholders who pay premiums on time. It can lower your overall homeowners insurance in Illinois by up to 2%.
What is the best homeowners insurance company in Illinois?
The best homeowners insurance in Illinois includes competitive rates with local agents, combined with tailored coverages like green options and hidden water protection.
Mercury can give you the robust coverage you need with affordable options and local Illinois agents who can help you navigate the unique challenges of homeownership in the state. We recommend talking with an agent to find the best solution for your unique needs.
What coverages does Mercury Insurance offer for Illinois homeowners?
Mercury’s Illinois homeowners insurance policies cover structure, personal property, liability, and additional living expenses if your home becomes uninhabitable. Optional coverages include Green Home upgrades, identity theft protection, and replacement cost enhancements.
Does Mercury Insurance cover green or eco-friendly home repairs in Illinois?
Yes, Mercury’s Green Home coverage helps cover eco-friendly repair or replacement costs after a loss. This includes discounts for homes with LEED or NAHB green certifications. Green Home discounts can save you up to 5%.
How Can I Lower My Home Insurance in Illinois?
There are a few ways you can lower the cost of homeowners insurance in Georgia:
- Increase your deductible: Increasing your deductible — how much you pay when you file a claim before your insurer starts to pay — can help lower the cost of homeowners insurance.
- Secure your home: Mercury offers a discount for equipping your home with protective devices, such as burglar alarms, deadbolts, and security cameras.
- Bundle home and auto: Mercury offers a discount if you bundle your home and auto policies.
- Fire-resistant construction materials: You may get a discount from Mercury if your home is made with fire-resistant construction materials
- New home or gated community — Mercury may give you a homeowners insurance discount If your home is newer or in a gated community.
What Type of Insurance is Mandatory in Illinois?
Illinois requires all drivers to have minimum liability coverage of $25,000/$50,000/$20,000, as well as uninsured/underinsured motorist coverage.
What Is Not Covered By Homeowners Insurance in Illinois?
Illinois homeowners insurance doesn’t cover specific natural disasters, such as floods and earthquakes. You have to purchase a separate policy for these perils.
What is Mercury's coverage for hidden water damage in Illinois?
Mercury provides coverage for hidden water damage, steam seepage or small amounts of leakage behind walls or under floors. This protection helps reduce costly surprises from undetected water issues.
Does Mercury Insurance cover spoiled food in refrigerators in Illinois?
Yes, optional Refrigerated Products coverage will cover up to $1,000 of food items should there be a loss of power or a mechanical failure. This ensures you can replace perishable items should they spoil.
What personal liability protections does Mercury provide in IL?
Mercury homeowners insurance includes personal liability coverage for injuries or property damage to others, whether you’re the cause of injuries or property damage at your home or off your premises. It helps cover legal fees, settlements, or medical costs up to your policy limits.
Is identity theft covered under Mercury homeowners insurance?
Optional Identity Theft Protection can help cover expenses like lost wages, legal fees, and credit monitoring services as a result of criminal identity theft.
What is Mercury's Unmatched Siding and Roofing coverage in Illinois?
Unmatched Siding and Roofing coverage helps pay to replace older siding and roofing with newer, more durable materials. It ensures your home is updated with materials that meet current standards.
Does Mercury cover service line protection in Illinois?
Yes, Mercury’s service line protection covers repairs to buried lines that provide water, electricity, or other utilities to your home. This helps prevent out-of-pocket expenses for utility line failures, damage as the result of a tree root, or a broken water pipe.
How do I get a Mercury homeowners insurance quote in Illinois?
Call (866) 912-9741 for a fast, free homeowners insurance quote in Illinois. Or reach out to a local agent.