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.
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 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|
|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|
|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|
|Place||Savings For Senior Occupied Homes|
|Cook County||$120 to $122|
|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|
|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%|
|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|