Naperville Insurance Rates:

Naperville, IL homeowners insurance is about $737 to $999, about $61-$83/month. Our complete guide indicates shoppers can save as much as $347 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I would recommend this company for home insurance because they are top notch in the customer service area. I always receive great coverage.
State Farm
I would recommend this company because they are friendly, have good prices, and have been reliable and helpful every time I have interacted with them.
I would recommend travelers due to the price of the insurance, as well as the customer service quality and the convenience of being able to bundle with the auto insurance for a discount.
State Farm
The premium and deductible of my policy compared to other home insurance policies is better for the same coverage. I get more out of my policy compared to my friends who have other policies.
Safeco Insurance
SAFECO is a great company with very low rates. We have never had a problem receiving out bill. They are always able to help when we have questions and they offer bundle packaging.
It is hard to compare home policy offerings, but I believe their amounts are competitive with other insurance carriers, although I really have no way of telling. Luckily, I never had to make a claim or try to use the policy.
State Farm
I have had good and bad with them, I feel like they are always out to get your money, but sometimes they can be helpful. I feel when I have needed them they have come thru.
Farmer's Insurance
It is pretty average. At this point I mostly stay with them out of familiarity and convenience. I definitely feel like if I wanted to I could probably find a better deal with a different company.
State Farm
I really like my local State Farm agent, they work with me to save me the most money by offering multi line discounts. They are always ready to answer any questions I might have about any of the products that I have with them.
Liberty Mutual
Customer service is amazing. every time i have had to reach out to a representative, they treat me as a valued customer.
I did not like that they would not cover/ assist with my toilet that needed to be repaired because it's not covered "under" the policy.
Homesite Insurance
Homesite has an excellent customer service call center that is available 24/7 to assist their customers when a need arises.
Safeco Insurance
I do not like the website. It is very old and slow. They could use a modernization of the website. I also do not like the fact that not all of my policies do not show up on their website. I have multiple insurance policies with them but only my home and auto policies show up.
State Farm
I have been with this company for years and receive very good rates. Any time that I have shopped around I have not found better rates, and when I find rates that are close the coverage is not as good as what I have.
Farmer's Insurance
I feel like my premium is a little high given that my house is only covered for $100,000. Also, my coverage includes a $1,000 deductible so a lot of minor damages are my responsibility.
Grange Insurance
They tend not call you back for a day or two if you leave a message and to me that is really unacceptable and would upset most people
State Farm
I don't have much to add here. I email and get responses generally pretty quickly. You can contact them through the website, email, and phone and hear back about your inquiry quickly.
State Farm
sometimes when you get a new person they seem to get a little impatient with you otherwise they have been great
American Family
During the wildfires last December, my State Farm Agent called to see how I was doing. He also gave me his cell phone number, which I appreciated. What I did not like was that State Farm was not willing to waive my deductible to cover my evacuation expenses. I had heard from other evacuees that their insurance company was waiving their deductible.
State Farm
Well, I have a general distrust of insurance companies and I know that regardless of how 'good' they are, they will most probably try to cheat you out of as much as they can. That being said, I can't say I dislike anything about State Farm as they have always done reasonably well by this family.
Meemic Insurance
I really like this company overall. I have my homeowner insurance as well as car insurance through this company and have been very happy with my experiences.
American Family
I like the company because they provide good coverage at a good rate and everyone involved seems to be open, friendly and knowledgeable. It makes it so I don't have to worry about shopping around or not having the right coverage.
American Family
I really cant say that i dislike anything about American family. I have never had an issue with them. But have also not had to sumbit a CLAIM Either.
I would recommend this company because it has good affordable prices. Its a very well known company. They are overall a good company.
We have had All State insurance for all our married life (48 years). We have always been satisfied with their service. We had one claim -m about eight years ago - when a lightening strike knocked out our security alarm system. they replaced it for us - and we are very very satisfied overall.
State Farm
The things I dislike about my insurance company are the cost of the premiums relative to what I receive for them. I also dislike that the only services you can receive an online quote for are the major insurance purchases such as homeowners, auto, boat, etc. It would be nice to add online quoting for other services such as umbrella insurance.
i know the agents they friendly and give me great rates and discounts for an installed sprinkler system and they work with me to give me the best rates.
State Farm
My premium at State Farm is quite low compared to other options and my deductible is at a modest $1000 should anything happen to my dwelling.
Pekin Insurance
I wish I had a bit more communication from them and I also wish I could access a website portal that had all of my info, like some of the big insurance firms would have.
Liberty Mutual
the claim process is very tedious and I had gone through much pain to claim the incident what happened to me, but they never showed up their face for my questions.
State Farm
The company is amazing and I am very happy with them. I think that I will stay with them for the rest of my life, to be honest.
State Farm
I liked that they were in the same building as the mortgage broker.

Naperville, IL Homeowners Insurance By Home Value

Naperville, IL Home Value Total Homes % of Total Average Naperville, IL Homeowners Insurance
Less than $50,000 213 1.0% $52
$100,000 to $124,999 570 2.0% $243
$125,000 to $149,999 551 2.0% $303
$150,000 to $174,999 1,141 5.0% $364
$175,000 to $199,999 1,258 6.0% $416
$200,000 to $249,999 2,620 12.0% $503
$250,000 to $299,999 3,250 15.0% $616
$300,000 to $399,999 10,477 51.0% $789

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

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 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

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

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2011 195,000 Wood Shake Roof 990 2 $500 Deductible 1030 12 Wood siding No
1994 640,000 Tile Roof 3,120 4 > $10,000 Deductible 1100 6 Vinyl siding yes
1995 615,000 Metal Roof 3,160 5 $5000 to $10,000 Deductible 1480 9 Fiber-Cement Siding yes
2000 520,000 Wood Shake Roof 3,090 4 $500 Deductible 270 1 Stucco siding No
2008 735,000 Membrane Roof 3,540 5 > $10,000 Deductible 1490 7 Wood siding yes
2014 275,000 Membrane Roof 1,670 5 > $10,000 Deductible 50 1 Fiber-Cement Siding No
1986 280,000 Asphalt Shingles Roof 1,480 2 $500 Deductible 860 8 Fiber-Cement Siding No
1984 525,000 Wood Shake Roof 2,290 3 $1000-$2500 Deductible 1180 5 Fiber-Cement Siding yes
1989 390,000 Composition Roof 2,300 4 > $10,000 Deductible 370 4 Vinyl siding yes
1985 265,000 Composition Roof 1,720 4 > $10,000 Deductible 790 10 Wood siding yes
2001 345,000 Tile Roof 1,570 2 $5000 to $10,000 Deductible 960 12 Brick siding yes
2010 275,000 Shingles Roof 1,690 2 $1000-$2500 Deductible 350 5 Brick siding yes
1996 185,000 Wood Shake Roof 1,180 2 $500- $1000 Deductible 800 10 Vinyl siding No
2004 535,000 Shingles Roof 2,340 4 $1000-$2500 Deductible 1410 8 Vinyl siding yes
2000 325,000 Slate Shingles Roof 1,890 3 $1000-$2500 Deductible 340 3 Brick siding No
1982 1,025,000 Metal Roof 4,480 5 $2500-$5000 Deductible 360 1 Brick siding yes
2011 355,000 Wood Shake Roof 1,860 3 $1000-$2500 Deductible 750 7 Vinyl siding yes
1987 465,000 Membrane Roof 2,060 3 $2500-$5000 Deductible 700 5 Stone Siding No
1991 325,000 Slate Shingles Roof 1,600 4 $500- $1000 Deductible 260 2 Stone Siding yes
1993 470,000 Tile Roof 2,190 4 $5000 to $10,000 Deductible 1380 10 Vinyl siding No
1989 460,000 Asphalt Shingles Roof 2,350 4 $5000 to $10,000 Deductible 1150 7 Stucco siding No
2003 405,000 Asphalt Shingles Roof 2,200 3 $1000-$2500 Deductible 960 10 Vinyl siding yes
1997 215,000 Metal Roof 1,160 2 $2500-$5000 Deductible 700 9 Vinyl siding No
2014 610,000 Metal Roof 3,320 4 > $10,000 Deductible 1060 9 Wood siding No
2013 565,000 Wood Shake Roof 3,370 4 > $10,000 Deductible 160 2 Brick siding No
1982 710,000 Shingles Roof 4,190 5 $1000-$2500 Deductible 400 2 Stucco siding No
1995 355,000 Shingles Roof 1,840 4 $1000-$2500 Deductible 2200 12 Wood siding No
1983 230,000 Slate Shingles Roof 1,440 2 > $10,000 Deductible 120 2 Stucco siding No
2010 305,000 Shingles Roof 1,800 3 $5000 to $10,000 Deductible 220 4 Fiber-Cement Siding yes
1984 450,000 Composition Roof 2,160 4 $5000 to $10,000 Deductible 240 2 Wood siding yes
1998 495,000 Shingles Roof 3,445 4 $2500-$5000 Deductible 3850 12 Vinyl siding No

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