Top-Rated Insurance Companies
Compare our carefully selected carriers offering comprehensive coverage at competitive rates. Access multiple A-rated insurance companies through one trusted source.
Featured Carriers
Travelers
Progressive
GEICO
National General
Universal Property
Top Insurance Companies We Represent
Compare our carefully selected carriers with traditional insurance companies
Travelers
Known for exceptional financial strength and innovative coverage options, Travelers offers comprehensive protection for your home.
Progressive
Leading the industry in digital tools and competitive pricing, Progressive provides modern solutions for homeowners.
GEICO
With outstanding customer service and competitive rates, GEICO delivers reliable home insurance coverage.
National General
Specializing in customized coverage options, National General offers flexible solutions for diverse homeowner needs.
Universal Property
Focused on comprehensive coverage and excellent claims service, Universal Property provides reliable protection for your home.
Why Choose Our Carriers vs. Traditional Companies
Our Selected Carriers
- Better rates through independent comparison
- More coverage options and customization
- Superior claims handling
Traditional Companies (State Farm, Allstate)
- Limited to one company's options
- Higher rates due to brand marketing costs
- Less flexibility in coverage options
Illinois Home Insurance at a Glance
Understanding the numbers behind Illinois home insurance can help you make informed decisions about your coverage.
Average Premium
Annual home insurance premium in Illinois
Coverage Amount
Typical dwelling coverage for Illinois homes
Natural Disasters
FEMA disaster declarations in Illinois since 2000
Claims Filed
Annual weather-related claims in Illinois
Common Causes of Claims in Illinois
- • Wind and hail damage (40% of claims)
- • Water damage and freezing (25% of claims)
- • Fire and lightning (20% of claims)
- • Property damage (10% of claims)
- • Other causes (5% of claims)
Illinois homeowners face unique challenges due to severe weather patterns, including tornadoes, severe storms, and winter weather events.
Having proper coverage is essential to protect against these common risks.
Why Choose an Independent Agent?
Unlike captive agents who can only offer one company's products, we work with multiple carriers to find you the best coverage and rates.
More Options
Access to multiple top-rated insurance companies instead of being limited to just one company's products.
Better Prices
Compare rates from multiple carriers to find you the best coverage at the most competitive price.
Personalized Service
Work with an agent who represents you, not the insurance company, ensuring your interests come first.
Flexibility
Easy switching between carriers if rates increase, while maintaining the same trusted agent relationship.
Captive vs. Independent Agents
Captive Agents
- • Limited to one company's products
- • Must meet company sales quotas
- • Can't help if company drops you
- • Rates tied to one company
Independent Agents
- • Access to multiple top-rated companies
- • Work for you, not the insurance company
- • Can move you to different carriers
- • Shop multiple rates for best value
Resources & References
Our information is sourced from trusted industry experts and government organizations.
Illinois Department of Insurance
Official state resource for insurance regulations and consumer information
FEMA Disaster Declarations
Historical data on Illinois natural disasters and emergency declarations
Insurance Information Institute
Research and statistics on home insurance trends and claims data
National Association of Insurance Commissioners
Insurance company ratings and consumer protection resources
All statistics and information are current as of 2024. Please refer to the original sources for the most up-to-date data.