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How much is home insurance in Chicago?
I’m a long-time renter in the Chicago area. I would love to buy a house here, but I know it'll be pricey. How much can I expect to pay for home insurance in Chicago?
Bonnie Stinson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
The Windy City is one of the most exciting cities in the country—but it’s also one of the most expensive.
The average annual cost of home insurance in Chicago is $1,728. This figure is higher by a few hundred dollars than the
Illinois
state average of $1,322. Homeowners insurance on its own will cost more than renters insurance, even if you buy a property in the same neighborhood where you’re currently renting. That’s because a home policy covers a lot more: the physical property, detached structures,
loss of use
, and home insurance liability
. You could pay less than the $1,728 average, however.
Smaller properties, newer builds, and safer zip codes can unlock low rates. If you’re willing to increase your
deductible
, your rate will go down even further. Get discounts for bundling
and your rate will fall well below the city average.If you have any questions about homeowners insurance—or if you’re ready to purchase a policy— reach out to
Jerry
. Our friendly agents can answer questions and the Jerry app can help you quickly compare rates to find the best possible price.Good luck with your house-hunting!
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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