Naperville, IL Home Insurance - Analysis On Quotes, Rates & Agents
Naperville, IL Insurance Rates:
The average cost of home insurance in the U.S. is $1,438. But, the cost of home insurance in a specific region depends on various factors including Zip Code, age, and value of the house, construction time, etc. The average cost of insurance in Naperville, IL is $1303 Enter your Zip Code in the banner below to get instant home insurance quotes. vHomeInsurance undertook a detailed analysis of the cost of insurance in Naperville, IL.
Naperville, IL homeowners will find various factors that will have an impact on your home insurance premium. Understanding these factors could help homeowners drastically lower their home insurance premiums. A careful comparison between different quotes and values to suit the homeowner’s needs can be done with the data below.
- Top Home Insurance Companies in Naperville, IL
- Naperville, IL Homeowners Insurance for Different Coverages
- Visual Guide for Naperville, IL Home Insurance Buyers on Insurance Companies and Rates
- Naperville, IL Homeowners Insurance Rate Based on Claims Filed
- Naperville, IL Homeowners Insurance by Zip Code
- Naperville, IL Home Insurance Premium Based on the Number of Bedrooms
- Naperville, IL Home Insurance Premiums for Different Deductibles
- Naperville, IL Homeowners Insurance Premium Based on the Age of the Home
- Naperville, IL Homeowners Insurance Cost Based on Construction Type of Home
- Saving Tips on Naperville, IL Homeowners Insurance
- Naperville, IL Home Insurance Discounts for Home Safety Devices in Home
- Customer Reviews for Home Insurance Companies in Naperville, IL
Average Home Insurance Premium in Naperville, IL
| National Average Premium | State Average Premium | Naperville Average Premium |
|---|---|---|
| $1,438 | $850 | $1,303 |
Top Home Insurance Companies in Naperville, IL | Back to Top
The following is a list of home insurance companies that provide the best home insurance quotes in Naperville, IL
| Company Name | Coverage $70,000 | Coverage $150,000 | Coverage $200,000 | Coverage $350,000 |
|---|---|---|---|---|
| Erie Insurance | $963 | $1,155 | $1,502 | $2,072 |
| Aaa | $1,288 | $1,546 | $2,009 | $2,773 |
| Liberty Mutual | $835 | $1,002 | $1,302 | $1,797 |
| Allstate | $1,099 | $1,319 | $1,715 | $2,367 |
Naperville, IL Homeowners Insurance for Different Coverages | Back to Top
| Coverage Type | Home Insurance Cost($) |
|---|---|
| $100,000 To $124,999 | 287.64 |
| $150,000 To $174,999 | 462.47 |
| $175,000 To $199,999 | 549.96 |
| $200,000 To $249,999 | 699.4 |
| $250,000 To $299,999 | 1,006.45 |
| $300,000 To $399,999 | 1,295.59 |
| $400,000 To $499,999 | 1,623.16 |
| $500,000 To $749,999 | 2,077.64 |
| $750,000 To $999,999 | 2,402.27 |
| $1000,000 To $1499,999 | 2,645.74 |
| $1500,000 To $2000,000 | 2,840.52 |
Visual Guide for Naperville, IL Home Insurance Buyers on Insurance Companies and Rates
Top Home Insurance Agents Near Naperville, IL | Back to Top
| 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 |
List of Naperville, IL Home Insurance Agents by Companies
Naperville, IL Homeowners Insurance Rates Based on Claims Filed | Back to Top
Homeowners in Naperville, IL who have no previous history of claims filed are eligible for a discount of $182.42. Homeowners in Naperville, IL with one claim have to pay an additional home insurance rate of $65, while homeowners with 2 claims have to pay an additional $169 on their home insurance premium.
| Type of Claim | Homeowners Insurance Cost Increase/Decrease($) | Homeowners Insurance Cost($) |
|---|---|---|
| No Claim Discount | -182 | 1,121 |
| One Claim | +65 | 1,368 |
| Two Claim | +169 | 1,472 |
Naperville, IL Homeowners Insurance by Zip Code | Back to Top
| Zip Code | Median Home Value($) | Home Insurance Cost($) |
|---|---|---|
| 60564 | 422,500 | 1,225 |
| 60540 | 388,400 | 1,321 |
| 60565 | 370,700 | 1,225 |
| 60563 | 322,700 | 1,251 |
Factors Affecting Home Insurance Premiums in Naperville, IL
The average home insurance premium in Naperville, IL is $1303. There are various factors in Naperville, IL that affect home insurance premiums. vHome Insurance lists the factors that could help homeowners reduce their home insurance rates.
Naperville, IL Home Insurance Premium Based on the Number of Bedrooms | Back to Top
| Bedroom Size | Average Homeowners Insurance Cost($) |
|---|---|
| 2 Bedroom | 901 |
| 3 Bedroom | 965 |
| 4 Bedroom | 2,059 |
| 5 Bedroom | 2,895 |
Naperville, IL Home Insurance Premiums for Different Deductibles | Back to Top
Naperville, IL Homeowners who pay a deductible of $500 pay a higher amount for home insurance, while Naperville, IL homeowners who pay a deductible as high as $2500 pay a lower amount on their home insurance rates, as seen in the table below.
| Deductible Type | Average Homeowners Insurance Cost($) |
|---|---|
| $500 Deductible | 1,287 |
| $1000 Deductible | 1,165 |
| $1500 Deductible | 1,096 |
| $2000 Deductible | 995 |
| $2500 Deductible | 936 |
Naperville, IL Homeowners Insurance Premium Based on the Age of the Home | Back to Top
Homeowners in Naperville, IL pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.
| Home Age | Homeowners Insurance Cost($) |
|---|---|
| Newly Constructed Home | 1,042 |
| Year 30 Old | 1,323 |
| Year 40 Old | 1,337 |
| Year 50 Old | 1,353 |
| Above Year 50 | 1,366 |
Naperville, IL Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top
| Construction Type | Home Insurance Cost Savings($) | Home Insurance Cost($) |
|---|---|---|
| Fire Resistive | 182 | 1,121 |
| Masonry | 65 | 1,238 |
| Brick | 65 | 1,238 |
| Superior | 117 | 1,186 |
| Hail Resistant Roof | 26 | 1,277 |
Top Saving Tips on Naperville, IL Homeowners Insurance | Back to Top
Homes that are built using sturdy materials have less propensity to damage. Owing to this, Naperville, IL homes built with sturdy materials earn discounts on homeowners insurance. Naperville, IL homeowners who have clubbed their auto insurance policy with home insurance also receive discounts from home insurance companies. Apart from this, home insurers provide discounts to Naperville, IL senior citizens. Naperville, IL homes attract a considerable amount of discounts depending on the type of home safety devices installed in the household.
The tables below contain the complete list of discounts that Naperville, IL homeowners can avail to increase their savings.
Naperville, IL Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts
| Discount Type | Home Insurance Cost Savings($) | Home Insurance Cost($) |
|---|---|---|
| Bundle Discount | 235 | 1,068 |
| Retiree Discount (Senior Citizen Discount) | 182 | 1,485 |
| Newly Constructed Home | 261 | 1,042 |
Naperville, IL Home Insurance Discounts for Home Safety Devices | Back to Top
| Home Safety Devices | Home Insurance Cost Savings($) | Home Insurance Cost($) |
|---|---|---|
| Deadbolts | 117 | 1,186 |
| Fire Extinguishers | 104 | 1,199 |
| Smoke Detectors | 156 | 1,147 |
| Sprinkler System | 91 | 1,212 |
| Fire Alarm | 91 | 1,212 |
| Burglar Alarm | 117 | 1,186 |
| Lightning Protection | 39 | 1,264 |
Latest Home Insurance Reviews
State FarmI would recommend this company for home insurance because they are top notch in the customer service area. I always receive great coverage.
State FarmI would recommend this company because they are friendly, have good prices, and have been reliable and helpful every time I have interacted with them.
TravelersI 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 FarmThe 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 InsuranceSAFECO 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.
NationwideIt 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 FarmI 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 InsuranceIt 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 FarmI 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.
TravelersI would recommend this company because their rates are good and their employees are friendly. I have not filed a claim yet so I am not sure how good they are in that department.
AaaI feel AAA offers superior policies compared to other insurances. I feel I am well covered through my policy and feel comfortable knowing I am protected by my trusted company.
American Family InsuranceExtremely satisfied for my home insurance company customer service.
AllstateI think my home insurance company policy offerings are pretty fair, I have a neighbor who keeps complaining that his insurance company, "is ripping him off." Judging by that, I would say mine is pretty fair
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.
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.
AllstateWe 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 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.
Allstatei 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 FarmMy 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 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.