Cook County, IL Home Insurance - Analysis On Quotes, Rates & Agents
Cook County Insurance Rates:
Cook County, IL homeowners insurance is nearly $681 to $922, about $56-$76/month. Our exhaustive analysis reveals consumers can save upto $320 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Cost of Homeowners Insurance in Cook County, IL
Cook County is located in Illinois with a total population of 5197677. Cook County is the sixth largest county in Illinois by land area, where 42.2% is covered with water. As most of the water is from Lake Michigan, many homes in the city are at risk of flooding. To protect their home, most people choose home insurance in Cook County. The average cost of homeowners insurance in Cook County, IL, is $929. Numerous factors affect the cost of insurance, including home value, coverage type, deductible, and age of the home. However, homeowners can take advantage of available discounts to lower their home insurance costs.
Check out the discounts available for Cook County homeowners.
Insurance Cost based on the Materials used
Materials used to construct the house plays a significant role in determining the insurance premium amount. For instance, homes built with hail resistant roofs are offered at a premium of $902 in Cook County, IL, whereas homes built with Masonry and Fire resistive Brick are offered at $883 and $818, respectively. Thus, the premium charged will be higher if you use low-quality materials to construct your house.
Insurance Cost based on the Security features
Homes with advanced level security features like fire extinguishers, smoke detectors, new locks are less prone to burglaries and damage. Therefore, homeowners insurance companies in Cook County encourage homeowners to install home safety devices by offering discounts as incentives. Homes with deadbolts and fire extinguishers in Cook County pay $809 and $846, respectively. In addition, homes equipped with burglar alarms and lightning protection pay $846 and $911, respectively, on homeowners insurance.
Insurance Cost based on the House age
House age, i.e., how old the house is, plays an essential role in determining the cost of home insurance. For instance, homes that are 30 or 40 years old pay a premium of $943 and $954, respectively, in Cook County, IL. On the other hand, newly built homes are less prone to damage, and home insurance companies offer considerable discounts to newly constructed homes. Newly built homes in Cook County can avail of lower insurance of $669.
Insurance Cost based on the Claim History
Policyholders can take advantage of discounts to reduce the cost of homeowners insurance by displaying zero claim history. By providing a history of zero claims, homeowners have to pay $808.23, whereas policyholders with one and two claims have to pay a premium of $994.03 and $1049.77, respectively. So, the higher the number of claims, the higher the premium added to the insurance.
Cook County, IL Homeowners Insurance By Home Value
| Cook County, IL Home Value | Total Homes | % of Total | Average Cook County, IL Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 36,548 | 4.0% | $80 |
| $60,000 to $69,999 | 10,165 | 1.0% | $208 |
| $70,000 to $79,999 | 14,070 | 1.0% | $240 |
| $80,000 to $89,999 | 19,488 | 2.0% | $272 |
| $90,000 to $99,999 | 19,635 | 2.0% | $304 |
| $100,000 to $124,999 | 66,280 | 7.0% | $352 |
| $125,000 to $149,999 | 62,547 | 6.0% | $448 |
| $150,000 to $174,999 | 105,233 | 11.0% | $528 |
| $175,000 to $199,999 | 81,667 | 8.0% | $608 |
| $200,000 to $249,999 | 163,062 | 17.0% | $736 |
| $250,000 to $299,999 | 137,794 | 15.0% | $897 |
| $300,000 to $399,999 | 185,970 | 20.0% | $1137 |
Top Home Insurance Agents Near Cook County, IL
| Home Insurance Company Near Cook County, IL | Homeowners Insurance Agency Near Cook County, IL | Address |
|---|---|---|
| State Farm | Don Storino | 7428 W Belmnt Ave, Chicago, IL, 60634-3432 |
| State Farm | Paul Siano | 8130 W 143rd St, Orland Park, IL, 60462-2310 |
| State Farm | Peter Tosto | 339 N Mlwauke Ave Ste 101, Libertyville, IL, 60048-2282 |
| Allstate | Rick Villarreal | 31W007 North Ave Ste 102, West Chicago, IL, 60185 |
| Allstate | Rudy Espino | 1484 W Farragut Ave, Chicago, IL, 60640 |
Cook County, IL Home Insurance Agents for Top Companies
Cost Of Homeowners Insurance By Street Near Cook County, IL
| Streets in Cook County Area | Homeowners Insurance Cost |
|---|---|
| N Arquilla Dr, Apache Ave, Jacquelyn Ct, 217th St, W Dover Dr, Robin Crest Ln, Olivia Ave, E Canterbury Dr, Blue Ridge Ave, E Vargo Ln | $871 |
| E Marion St, N Meacham Ct, S Lyman St, S 22nd Ave, Metron Dr, Revere Rd, Silent Brook Ln, Beechnut Rd, Wolcott Ave, Thompsons Way | $795 |
| Hamlin St, N Maywood Dr, 35th Ave, 30th Ave, Sharon Ct, S Pleasant Ave, N Derbyshire Dr, Whispering Oaks Ct, S Cook St, Windemere Ln | $718 |
| E Mission Hills Rd, Bluff Rd, N Newport Ct, Cleveland Rd, Vals Ct, Hinsdale St, W Busse Ave, S Indianapolis Ave, N 77th Ct, Candlelight Dr E | $944 |
| Prestbury Ct, Greenfield Ct, Odell Ct, 99th Ter, Breesway Ln, Ithaca Ct, Springwood Ct, Goldcrest Ct, S Dryden Pl, Welch Way | $779 |
| Lela Ct, E Green Ln, 84th Ter, Birchwood Rd, Baffin Rd, Great Glen Ct, Naperville Rd, W Mahogany Ct, E Shadow Lake Ter, N Wolcott St | $746 |
| Sunshine Ln, Aida Ct, Aberdeen Rd, Sieverwood Ct, Northwest Ave, Post Pl, E Maya Ln, S Washington Ave, Forest Glen Dr E, Woodcrest Ln | $848 |
| S Warren Ave, W Colfax St, Petunia Cir, W Leonora Ln, Palmer Dr, Saranac Ln, Mallow Ct, Kolze Ave, 47th Ave, N Lexington Ln | $775 |
| Clearwater Ln, E Cheltenham Pl, Haddam Way, Pebble Beach Ct, S Cedar Ln, Crocus Ln, Bobwhite Ct, Harper St, 3 Lakes Dr, Stickney Ave | $791 |
| S Meadow Dr, Shannon Dr, N Harvey Ave, Savoy Ct, Panorama Dr, Blackthorne Ln, Maplebrook Dr, Harrison, McGarity Rd, Austin Ln | $709 |
Cook County, IL Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Cook County | $120 to $122 |
| Chicago | $120 |
| Cicero | $114 |
| Oak Park | $129 |
Cook County, 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 |
|---|---|---|---|
| Chicago city, Illinois | $100 | $133 | $200 |
| Cicero town, Illinois | $96 | $127 | $191 |
| Oak Park village, Illinois | $108 | $143 | $215 |
Cook County, IL Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Cook County, IL | 3.4% | 10.3% |
| Chicago | 3.41% | 11.21% |
| Cicero | 3.51% | 10.23% |
| Oak Park | 2.85% | 7.62% |
Cook County Renters Insurance as a Percentage of Rent
| Cook County Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 14,300 | 1.0% | $318 |
| $200 to $299 | 19,567 | 2.0% | $768 |
| $300 to $499 | 34,086 | 4.0% | $1218 |
| $500 to $749 | 126,385 | 16.0% | $1893 |
| $750 to $999 | 238,042 | 30.0% | $2643 |
| $1,000 to $1,499 | 225,956 | 29.0% | $3768 |
| $1,500 or more | 112,285 | 14.0% | $5418 |
Latest Home Insurance Reviews by Location
Hanover Park, IL
TravelersI would recommend my company because they have great rates when you take multiple policies with them.
Elgin, IL
State Farmi would rate it as a 2 sometimes its okay and sometimes its not. I think when it time to put in for an insurance claim they put you through to much red tape
Lyons, IL
Erie InsuranceCompared to other home insurance companies, my company offered a robust policy, including both the house and property insurances. The deduction amount is also flexible to the customers.
Evanston, IL
State FarmBased on the interactions I have had so far with State Farm, I would recommend them for home and auto insurance.
Streamwood, IL
GeicoThe company policy offerings are pretty same as other companies. I have auto insurance with them too so I get a good discount.
Glenview, IL
State FarmI give them a 5 for their policy I agree with everything on there policy. There policy is one of a kind that I recommend to everyone.
Bartlett, IL
State FarmI RECOMMEND STATE FARM BECAUSE IT IS A COMPANY I HAVE BEEN WITH FOR OVER 30 YEARS AND HAVE NOT HAD A COMPLAINT ABOUT IT.
Woodridge, IL
ProgressiveI would reccommend my home insurance company to people in the future. Their rates are competitive and overall customer service is good even though I have not had to file a claim for anything yet.
Northbrook, IL
Farmer's InsuranceWould highly recommend just because of the customer service. I can trust my agent to always give me fair prices and policies. He's always available if I need to call him.
Tinley Park, IL
American Family InsuranceThe premium and deductible are very affordable with American Family.I have also not filed a claim so my premium and deductible are potentially more favorable.
Palatine, IL
State FarmI would, and have recommended by agent and state Farm to others. I personally know at least one contact that has switched to State Farm due to my recommendation.
Northfield, IL
Erie InsuranceI haven't shopped around, I asked my friends what they pay for insurance and what coverage they have. It seems Erie is on par with their insurance companies.
Hanover, IL
ProgressiveI would recommend Progressive for home insurance as their customer service is top notch, rates are incredibly competitive, coverage is comparable.
Elmhurst, IL
ProgressiveThe premium of our policy is much cheaper than others because they took the fire hydrant and fire station being so close into consideration.
Oak Park, IL
Amica Mutual InsuranceAmica was comparable in price and had better reviews for customer service compared to other insurance providers we were able to find on the internet.
Hoffman Estates, IL
State FarmI do not currently have home insurance. Therefore, I do not have any information about home insurance offerings as compared to other insurance providers.
Arlington Heights, IL
Erie Insurancei would tell all my friends and relatives about my new ins co.ERIE and tell how good they were to me on the phone .
Oak Lawn, IL
GeicoTheir home insurance policy is affordable and tailored to the customers need including the cost to rebuild your home and other structures on your property.
Chicago Heights, IL
GeicoI would definitely recommend everyone to at least reach out to Geico to get a quote, because I honestly saved HUNDREDS of dollars per year by switching.
Worth, IL
Farmer's Insurancesuper helpful when questions about chaningng my policy or anything of the like. recommend to my friends all the time
Schaumburg, IL
American FamilyI would highly recommend American Family Insurance for home insurance. They are great to work with and have great coverage.
Chicago, IL
American Family InsuranceI am satisfied. I would give then an 4. There are a few things I have issues with but for the most part they're great.
Des Plaines, IL
AaaI would recommend AAA to a friend because of their great service. They are extremely reliable and have great customer service.
Orland Park, IL
AllstateI personally thinking that Allstate premium and deductions are much better when compare with other insurance companies in US., and Allstate offers much more competitive prices than their competitors.
Park Ridge, IL
GeicoI would recommend Geico because on all occasions I have interacted with them they were responsive and helpful.
Buffalo Grove, IL
Farmer's InsuranceTheir customer service is really great. The wait times arent too long and when you get somebody on the line they know what they're doing.
Calumet City, IL
American Family InsurancePREMIUM FOR MY COMPANY COMPARED TO OTHER INSURANCE POLICY MY COMPANY IS BEST BECAUSE HERE PREMIUM GIVES 3 MONTHS BUT OTHER COMPANY'S HAVE NOT LIKE THAT PANS.
Niles, IL
ProgressiveI recommend Progressive to everyone mainly based on price and customer service. If people comparison shop they will come to the same conclusion.
Skokie, IL
MetlifeMetlife handles all of my insurance needs. Auto, home and personal property policies are bundles together. I have compared quotes from other companies.