Illinois Homeowners Insurance

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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 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.

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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

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:

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 in 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.