Aurora Insurance Rates:

Aurora, IL homeowners insurance is approximately $660 to $894, about $55-$74/month. Our in depth analysis indicates shoppers can save as much as $310 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Cost of Homeowners Insurance in Aurora, IL

Aurora, IL homeowners are paying an average of $833 in home insurance each year. Factors that affect the cost of a policy include home value,coverage type, deductible and age or the material used to build your house. There are different ways to reduce the homeowners insurance cost, and the easiest way is to choose a higher deductible. Below is the summary of average home insurance costs available to Aurora homeowners based on the deductible and other variables.

Cost_of_Homeowners_Insurance_in_Aurora_IL

Deductible is the amount of money that an homeowner pays out of pocket before the  policy begins paying out the claim. Choosing a higher deductible means lowering the potential benefit, which in turn makes the policy less valuable and therefore cheaper.Homeowners in Aurora, IL  can get $598.09 worth of coverage for as little as $2500 with an attractive discount available by opting for higher deductibles. Homeowners receive insurance for $636.25 and $700.89 respectively, on deductibles $2000 and $1500.

Age of the home is an important variable to decide the home insurance cost.Older homes are more likely to have structural damages that increases the risk and thus increases the premiums. Aurora homes older than 40 and 50 years old pay $855 and $865 respectively. On the other hand newly built homes are less prone to damage and home insurance companies offer substantial discounts to newly constructed homes. For instance newly constructed homes in Aurora can avail lower insurance of $633.

The cost of home insurance is determined based on factors such as construction type. For example, a fire-resistant house will make your average annual premium significantly lower at $725 per year in Aurora, IL due to the risk of damage from fires or other combustion reactions. Homes built with Masonry and Brick can receive an average price for homeowners' insurance coverage in Aurora starting at $791. Whereas homes built with superior and hail resistant roofs attract a higher amount $758 and $808 respectively.

Homes built with special features are likely to attract a higher amount of premium than the state average. For instance, homeowners in Aurora pay $850 of premium for installing a swimming pool. In addition, if the swimming pool comes with a diving pool or slide, home owners can avail insurance of $866 and $883 respectively. Although most of these factors are not in your control, there are other factors such as credit score, you can control. Credit score is a rating calculated and used by insurance providers that represents the chances of an individual filing a claim while under coverage.Homeowners with high credit scores are likely to get lower rates from the Insurance companies.

Tips For Choosing the Cheapest Aurora, IL, Home Insurance Companies

Homeowners in Aurora, Illinois, pay an average home insurance rate of $833. However, the cost of home insurance in Aurora varies widely depending upon several variables. Homeowners need to understand these factors in order to reduce their home insurance rates and pick the cheapest home insurance company.

Tips_For_Choosing_the_Cheapest_Aurora_IL

Comparing Quotes

Home insurance providers consider different parameters before determining home insurance rates. As a result, the quotes offered to homeowners differ from one insurance company to another. Aurora homeowners are advised to compare quotes from multiple home insurance companies to choose the cheapest one for their coverage requirements.

Deductibles Vs. Home Insurance Rates

Home insurance companies provide homeowners with the option of choosing a deductible based on their needs. Homeowners can reduce their home insurance rates by paying a one-time high deductible. The percentage of reduction in home insurance rates for a given deductible differs from one insurance company to another. Aurora homeowners are recommended to choose the home insurance company that offers the highest price reduction for their deductible.

Add-on Policies

Home insurance companies offer add-on policies in addition to standard policies to meet the individual needs of homeowners. Home insurance agents work with homeowners to understand individual needs and suggest appropriate add-on policies. These policies are targeted to cover items or damage caused due to specific reasons. The add-on policies include pet insurance, flood insurance, collectibles insurance, and earthquake insurance.

Available Discounts

Home insurance companies offer numerous discounts to homeowners to help lower the cost of insurance. Apart from the lifestyle choices of residents, home insurance companies also offer discounts based on the type of safety measures implemented by homeowners. Taking into account the specific features of their home, Aurora homeowners are advised to choose the home insurance company that offers the highest discount for their coverage needs.

Claims History of Homeowners

If home insurance companies find repetitive claims or a pattern in filing claims, the home insurance rates for such homeowners can increase drastically. On the other hand, homeowners receive discounts on home insurance rates if they have a claims-free history. Aurora homeowners should choose home insurance companies that are liberal in determining home insurance rates based on the claims history.

Aurora, IL Homeowners Insurance By Home Value

Aurora, IL Home Value Total Homes % of Total Average Aurora, IL Homeowners Insurance
Less than $50,000 895 2.0% $93
$60,000 to $69,999 501 1.0% $256
$70,000 to $79,999 835 2.0% $295
$80,000 to $89,999 1,228 3.0% $334
$90,000 to $99,999 745 1.0% $372
$100,000 to $124,999 3,623 8.0% $435
$125,000 to $149,999 3,999 9.0% $543
$150,000 to $174,999 5,672 14.0% $644
$175,000 to $199,999 4,979 12.0% $745
$200,000 to $249,999 6,693 16.0% $901
$250,000 to $299,999 5,432 13.0% $1095
$300,000 to $399,999 5,625 13.0% $1398

Top Home Insurance Agents Near Aurora, IL

Home Insurance Company Near Aurora, IL Homeowners Insurance Agency Near Aurora, IL Address
NA Ditardi & Associates Insurance Agency 5621 N Milwaukee Ave, Chicago, IL, 60646
State Farm Alyson Huizinga 19900 Governors Drive Suite 103, Olympia Flds, IL, 60461-1060
Travelers Catherine L Shaw 24252 W MAIN ST STE 101, PLAINFIELD, IL, 60544
State Farm Mark Mitchell 717 S Eastwood Dr, Woodstock, IL, 60098-4634
Erie Promise Insurance 425 Quadrangle Drive Suite 120, Bolingbrook, IL, 60440

Aurora, IL Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Aurora, IL

Streets in Aurora Area Homeowners Insurance Cost
Rosehall Ln, Ruff St, 129th St, Mary Lee Ct, Talon Cir, W Blakely Dr, Sagamore Cir, Ferguson Rd, W Chatham Dr, Latham Ct$857
Barrington Dr E, S Northland Dr, S Prairie Pond Dr, Milestone Dr, Pavilion Pl, Birdseye Ct, Kildare Dr, Hawks Bill Ln, Vicksburg Ct, S Elizabeth Dr$854
Union Mill Dr, Delta Dr, Courtney Rd, Sunrise Ct, Erin Marie Ct, Ambrose Rd, Blackburn Ct, Hawks Bill Ct, Gardner Cir E, Limerick Ln$805
Moonlight Ct, Blue Bell Ln, Meadowland Cir, Whispering Woods Cir, Azure Cove, Sunderlin Rd, Kilkenny Dr, Grand Ridge Cir, Kerr St, Kristi Dr$848
Prescott Ct, Tiffany St, Red Star Dr, Stags Leap Trl, Sagamore Ct, W Kelly Ct, Round Barn Rd, Biltmore Cir, Stewart Ridge Dr, W 131st St$851

Aurora, IL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Aurora$116 to $118
North Aurora$121
Boulder Hill$114
Montgomery$116

Aurora, IL Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
North Aurora village, Illinois $101 $135 $202
Boulder Hill CDP, Illinois $96 $127 $191
Montgomery village, Illinois $97 $129 $194

Aurora, IL Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Aurora, IL3.5%9.8%
North Aurora3.41%10.17%
Boulder Hill3.82%11.65%
Montgomery3.33%10.01%

Aurora Renters Insurance as a Percentage of Rent

Aurora Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 388 2.0% $330
$200 to $299 457 2.0% $780
$300 to $499 634 3.0% $1230
$500 to $749 2,469 13.0% $1905
$750 to $999 5,226 27.0% $2655
$1,000 to $1,499 7,010 37.0% $3780
$1,500 or more 2,736 14.0% $5430

Aurora, IL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,500$2,500
Yearly Aurora Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$1,500$2,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,700$8,100
Net Savings to Aurora Home Owner from High Deductible Plan $600

Aurora, IL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Aurora, IL Home Replacement Value MORE than Home Value Aurora, IL Home Replacement Value LESS than Home Value
Replacement Value $415,000 $256,000
Insurance Premium based on Replacement Value $1,875 $1,150
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $90,000 Risk Exposure from Under Insuring Coverage is $69,000
Premium Impact Insurance cheaper by $325/year Insurance costlier by $400/year

Example Aurora Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualState FarmChubb Group of Insurance
Monthly Premium 606258
Year Built 198820062011
Home Details 4 Beds, 1 Baths3 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $200000-$250000$150000-$175000$200000-$250000
Deductible $2500-$5000 Deductible$1000-$2500 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for Aurora, IL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1986 250,000 Wood Shake Roof 2,290 5 $5000 to $10,000 Deductible 750 10 Fiber-Cement Siding No
2010 130,000 Slate Shingles Roof 1,140 2 $500 Deductible 130 2 Vinyl siding yes
2008 140,000 Membrane Roof 1,260 2 $500 Deductible 50 1 Stucco siding yes
1989 250,000 Composition Roof 2,650 5 $500 Deductible 270 2 Brick siding No
2006 110,000 Tile Roof 1,100 2 $1000-$2500 Deductible 110 2 Stone Siding yes
2012 360,000 Shingles Roof 3,660 5 $1000-$2500 Deductible 220 2 Wood siding yes
1984 405,000 Membrane Roof 3,320 4 $5000 to $10,000 Deductible 760 6 Brick siding yes
1984 245,000 Metal Roof 2,570 4 $1000-$2500 Deductible 650 6 Stone Siding yes
1947 225,000 Shingles Roof 1,720 3 $500 Deductible 860 9 Vinyl siding yes
2013 115,000 Membrane Roof 950 2 $1000-$2500 Deductible 420 12 Wood siding yes
2002 315,000 Wood Shake Roof 2,540 4 > $10,000 Deductible 400 6 Stucco siding No
2000 275,000 Membrane Roof 2,780 4 $500- $1000 Deductible 1010 10 Brick siding No
2011 115,000 Metal Roof 1,270 2 $500- $1000 Deductible 400 9 Vinyl siding No
2001 225,000 Slate Shingles Roof 2,200 4 $5000 to $10,000 Deductible 470 8 Brick siding yes
1944 165,000 Metal Roof 1,320 2 $5000 to $10,000 Deductible 250 6 Stucco siding No
2014 160,000 Wood Shake Roof 1,420 2 $5000 to $10,000 Deductible 320 8 Fiber-Cement Siding yes
1942 360,000 Asphalt Shingles Roof 3,160 5 $1000-$2500 Deductible 1070 6 Fiber-Cement Siding No
1943 160,000 Slate Shingles Roof 1,700 2 $2500-$5000 Deductible 420 8 Vinyl siding yes
1983 130,000 Composition Roof 1,120 2 $500- $1000 Deductible 450 7 Stucco siding No
1982 200,000 Composition Roof 1,740 2 > $10,000 Deductible 60 2 Fiber-Cement Siding No
1986 170,000 Shingles Roof 1,430 2 $500 Deductible 790 12 Brick siding No
2004 155,000 Metal Roof 1,620 3 $1000-$2500 Deductible 280 4 Stone Siding yes
2014 110,000 Composition Roof 1,090 2 $1000-$2500 Deductible 220 8 Fiber-Cement Siding No
2012 245,000 Slate Shingles Roof 1,980 3 $500- $1000 Deductible 980 10 Brick siding yes
2011 180,000 Tile Roof 1,510 3 $2500-$5000 Deductible 230 7 Vinyl siding No
2010 415,000 Slate Shingles Roof 3,210 5 > $10,000 Deductible 640 7 Stone Siding No
2011 555,000 Wood Shake Roof 4,480 5 $500- $1000 Deductible 950 4 Brick siding yes
1941 100,000 Composition Roof 910 2 $500 Deductible 230 6 Stone Siding yes
1989 255,000 Shingles Roof 2,340 4 $2500-$5000 Deductible 1040 12 Stone Siding No
1947 205,000 Asphalt Shingles Roof 1,660 2 $500- $1000 Deductible 380 6 Fiber-Cement Siding yes
1998 215,000 Asphalt Shingles Roof 1,932 3 $1000-$2500 Deductible 840 10 Stucco siding yes

Latest Home Insurance Reviews

Meemic Insurance
Compared to other insurance companies Meemic outshines everyone especially with their discounted rates for teachers. It has the same policy offerings as other insurance companies but for almost half the rate.
State Farm
my experience with home insurance company is very good and the insurance companies are valuable service of the customer service on the purpose of home insurance.
Geico
I think it's the best in the industry. It offers competitive rates with excellent coverage.
Liberty Mutual
I am extremely happy with the premium and deductible on my policy. It is considerably lower than competitor's prices, and I have checked quite a few.
Liberty Mutual
I would recommend them; there's good coverage, the premiums are reasonable, and if you bundle with Geico you get a discount on both.
State Farm
I'd recommend State Farm home owner's insurance because of my recent interaction with them. A storm came through and blew some shingles off of my roof, and they were very quick and efficient in dealing with the issue.
Aaa
You get what you pay for. had i gone with a different insurance company, i don't think my flood would have been covered as much as it was.
Liberty Mutual
The policy offerings from Liberty Mutual are on par with offerings from other competing companies.
Geico
I have never had to use my home insurance, but I have never had a negative experience while setting up or paying for it.
State Farm
I have used other companies previously before I switched to State Farm. They were just okay. They seemed like it was a bother to help me when I called. It seemed like they just wanted to get me off the phone.
Allstate
I think that they their offerings are better than most other agencies. They offer multiple options and are easy to understand what they have to offer. They have the options that I need to make sure that I have the coverage that I want.
Country Financial
The representative of this branch is always willing to help me as soon as possible, gives great recommendations to my family, and is also a very genuine and caring person.
Geico
I never had to submit a claim for homeowner's insurance. However, my car insurance is always wrapped with my homeowner's insurance and when I was with Allstate they kept going up on my premiums and the owner was not so nice.
State Farm
I like and appreciate my agent eddie jo williamson, she will get on the phone herself and help you if you are having a problem with your policy.
Allstate
They don't like to pay for anything. they like to drag things. cases are hard to get resolved and paid.
State Farm
My insurance agency seems to have the best rates for the property i have. i have looked around and most other companies are more expensive.
State Farm
We recently had a tornado hit our home and we had to file a claim. We sent in all the necessary paperwork but never heard anything back. When we called to follow up we were told there was something missing from the paperwork but no one had contacted us to make us aware so we could resolve the issue. This happened 2 different times and delayed us receiving our check to pay our contractor.
State Farm
I don't have much to dislike. I wish it was cheaper but I don't think there is much they can do about that.
Allstate
The communication is fine and all, but I will say I hate getting spammed with advertisements every time I get an email or a postcard from the company. I mean I'm already signed up with the company, leave me alone already. Just my two cents.
State Farm
They don't send us anything at all, which I really like. The claims info stays on the web until we need to download it.
Geico
They are very helpful whenever I have questions or concerns. They always treat me with respect and they are also very friendly.
State Farm
Your good service to the community of clients you own, the professionalism with the time available and the friendliness
Country Financial
They are willing to reach out to me in my preferred manner which is usually email, as I tend to stack my mail and check it once a week. If I need a quick answer, they tell me when and how they will get back to me with the answer.
Allstate
Everything is fine whenever I speak with my insurance company. I never had an issue with the phone and if I did, it will be fixed within the time period I am being told by the rep
Aaa
I like the company because I personally know how good my agent is and the customer service is on point. I also love the discount that I receive. It would take a lot for me to switch to another company.
Country Financial
My only dislike of Country is not with homeowners insurance, but with their business side. Country Financial subs out their workman comp insurance, and the company is poor to work with (SFM). I have had many issues and dislike that aspect of dealing with Country. Fortunately, my local rep is very good at fixing all of the issues with them.
National General
The company is so large, that I feel like sometimes I am overlooked and there is not a lot of opportunities to provide feedback to the company.
Geico
We have been using Geico for car insurance for close to 15 years and we have been happy, and currently have no issues with our home insurance either.
Farmer's Insurance
I would recommend Farmer's Insurance based on two things price and claims.They were excellent with my claim and also I felt their prices were much better than other companies I researched.
Homesite Insurance
Overall, they have been great! Easy to deal with and to reach. I feel like if we had something major to occur that there would be no problem getting help as soon as possible.
Homesite Insurance
Overall, I like the amount of coverage they offered us and the premium we pay. It seems like a good deal for all that we get!

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