Naperville, IL Home Insurance - Analysis On Quotes, Rates & Agents
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.
Latest Home Insurance Reviews
Farmer's InsuranceI 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 InsuranceThey 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 FarmI 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 Farmsometimes when you get a new person they seem to get a little impatient with you otherwise they have been great
American FamilyDuring 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 FarmWell, 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 InsuranceI 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 FamilyI 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 FamilyI 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.
ProgressiveI would recommend this company because it has good affordable prices. Its a very well known company. They are overall a good company.
State FarmThe 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.
Pekin InsuranceI 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 Mutualthe 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 FarmThe 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 FarmI liked that they were in the same building as the mortgage broker.
Liberty MutualCustomer service is amazing. every time i have had to reach out to a representative, they treat me as a valued customer.
AllstateI 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 InsuranceHomesite has an excellent customer service call center that is available 24/7 to assist their customers when a need arises.
Safeco InsuranceI 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 FarmI 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.
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 |
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
| Place | Savings For Senior Occupied Homes |
|---|---|
| Naperville | $129 to $132 |
| Lisle | $125 |
| Bolingbrook | $118 |
| Wheatland | $128 |
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
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Naperville, IL | 2.9% | 7.9% |
| Lisle | 3.17% | 8.46% |
| Bolingbrook | 3.31% | 9.76% |
| Wheatland | 2.68% | 7.23% |
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 Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,800 | $8,800 |
| 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 Insurance | Farmers Insurance | Allstate |
| Monthly Premium | 271 | 176 | 77 |
| Year Built | 2014 | 2005 | 1995 |
| Home Details | 5 Beds, 4 Baths | 3 Beds, 2 Baths | 2 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 |
|---|---|---|---|---|---|---|---|---|---|
| 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 |