Naperville Insurance Rates:

Naperville ,IL Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.

VHome Insurance conducted a thorough analysis of the Naperville, IL homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Naperville, IL is $1661. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Naperville, IL: Customer-Reviewed Options


Naperville, IL Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Naperville, IL. VHome Insurance will help you navigate the world of homeowners insurance coverages in Naperville, IL.

Coverage Level Average Annual Premium
$100,000 $664
$200,000 $1,129
$300,000 $1,395
$400,000 $2,126
$500,000 $2,674


Naperville, IL Homeowners Insurance Rates by ZIP Code

Home insurance costs in Naperville can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.

Zipcode Average Insurance Premium
060564 $2,161
60540 $2,139
60565 $2,121
60563 $2,068


Naperville, IL Homeowners Insurance Deductibles

One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Naperville, IL, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $1,703
$1000 Deductible $1,523
$1500 Deductible $1,437
$2500 Deductible $1,296
$5000 Deductible $1,096



Top Home Insurance Agents Near Naperville, IL

Home Insurance Company Near Naperville, IL Homeowners Insurance Agency Near Naperville, IL Address
State Farm Bill Bryan 6942 Grand Ave, Hammond, IN, 46323-2570
Farmers Courtney Kavanaugh 414 Plaza Dr Ste 101, Westmont, IL, 60559
State Farm Enrique Carbajal 5301 W 79th St, Burbank, IL, 60459-1403
Travelers Midwest Insurance Center 944 W Us Highway 30, Schererville, IN, 46375
Farmers Toyas Rudolph 2007 Ridge Rd, Homewood, IL, 60430

Naperville, IL Home Insurance Agents for Top Companies


Naperville, 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
Lisle township, DuPage County, Illinois $105 $139 $209
Bolingbrook village, Illinois $99 $132 $198
Wheatland township, Will County, Illinois $107 $142 $213


Naperville, 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
Naperville, IL2.9%7.9%

Naperville Renters Insurance as a Percentage of Rent

Naperville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 299 2.0% $1183
$500 to $749 276 2.0% $1858
$750 to $999 1,761 16.0% $2608
$1,000 to $1,499 5,305 48.0% $3733
$1,500 or more 3,118 28.0% $5383

Cost Of Homeowners Insurance By Street Near Naperville, IL

Streets in Naperville Area Homeowners Insurance Cost
Bluejay Ln, Boulder Ridge Ct, Ford Ln, Brossman St, Joe Willie Ct, S Rivercrest Dr, St Croix Ave, Applewood Dr, 252nd Ave, Massachusetts Ave$907
Gleneagles Ct, Clubhouse St, Springdale Cir, Hampshire Ct, Rivermist Ct, Kings Rd, Ashcroft Dr, Petworth Ct, Saffron Ln, Park Ln$848
Plainfield/naperville Rd, Lobelia Cir, Midhurst Ct, Kubek Rd, Danube Way, Willow Ridge Dr, Staffeldt Dr, Bluewater Cir, S Naper Romeo Rd, Putnam Dr$832
Weinhold Dr, Denise St, Glenn Cir, Calvert Ct, Callery Rd, Potomac Ave, Kingbird Ln, Redwing Ct, Grommon Rd, Covington Ct$883
Chaparral Dr, Orwell Rd, Northmoor Dr, Townsend Cir, Crystal Rock Rd, Alago Rd, S Normantown Rd, River Hills Ln, Royal County Down Dr, Beaver Creek Dr$934
Senna Ct, Cordgrass Rd, Michele Ct, Wishing Well Ln, Farmgate Dr, Forsythia St, Countryside Cir, Robert Ln, Lavergne St, Bennington Ct$870
Evon St, Bergamot Ln, Marina Dr, W Robin Ln, River Hills Ct, Cresthaven Ln, Walton Heath Dr, Steamboat Rd, Glenview Ln, Presley Cir$889
Waterford Ct, McGrath Ln, Fesseneva Ln, Nicanoa Ln, Kewanee Ln, Stoneleigh Ct, Rhine Ave, Trussel Rd, Co Hwy 1, Wicklow Rd$889
Palisades Dr, Waterleaf Ct, Palmer Ct, Saganashkee Ln, Amherst Ct, S Wolf Dr, W Andrew Rd, Bluemont Ct, Knoch Knolls Rd, Crabapple St$889
Parador Dr, Stillwater Ct, Royce Rd, Douglas Dr, Crimson Ct, Winter Park Ct, Timber Creek Ln, Blue Heron Cove, Haddam Rd, Niswender Dr$881

Naperville, IL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Naperville$129 to $132

Naperville, IL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Naperville Homeowner Insurance Premium Example $3,200$2,200
Out of Pocket Expense During Claim$1,800$8,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $27,400$26,400
Net Savings to Naperville Home Owner from High Deductible Plan $1,000


Naperville, IL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Naperville, IL Home Replacement Value MORE than Home Value Naperville, IL Home Replacement Value LESS than Home Value
Replacement Value $488,000 $322,500
Insurance Premium based on Replacement Value $2,775 $1,850
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $113,000 Risk Exposure from Under Insuring Coverage is $52,500
Premium Impact Insurance cheaper by $300/year Insurance costlier by $625/year


Example Naperville Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company American Family InsuranceFarmers InsuranceAllstate
Monthly Premium 27117677
Year Built 201420051995
Home Details 5 Beds, 4 Baths3 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $800000-$900000$400000-$500000$250000-$300000
Deductible $1000-$2500 Deductible$1000-$2500 Deductible$1000-$2500 Deductible