Naperville, IL Homeowners Insurance
(Find the right homeowners insurance policy for you.)
Written by
Steve is a financial services expert who has dedicated himself to the insurance industry for the last 5+ years. Steve is a key contributor to TrustedChoice.com.
Ranked number three on MONEY’s “Best Places to Live” list in 2008, Naperville boasts excellent schools, an easy commute to Chicago and many wonderful homes. Because your home is likely your most valuable asset, you want to make sure you’re protecting that investment.
If you own a home, you need to make sure it’s protected in a case of damage from weather, fire and burglary. Your home coverage also covers your personal liability. A local Trusted Choice® agent can help you decide which Naperville, IL homeowners insurance policy will provide the best coverage for your needs. Independent insurance agents can get you started comparing home insurance quotes.
- National yearly premium average: $$1,034
- Illinois yearly premium average: $881
- 28th most expensive premium in the US
Whether you have a historical home or a house that was built more recently, homeowners insurance should be a top priority. Many people have purchased a homeowners policy for the simple reason that their lender requires it, but even homeowners who own their homes outright should still protect their investment.
You may be asking yourself if homeowners insurance is really necessary. Some of the important considerations are whether you have valuables to protect, and whether you can afford to pay for repairs or rebuilding in the event of a catastrophic loss. To fully review your risks and get your questions answered, talk with a local independent agent about your unique situation and your Naperville homeowners insurance options.
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Number of Catastrophes in Illinois:
- National average number of catastrophes: 19,033
- Number of catastrophes in Illinois: 618
- National number of tornadoes: 1,233
- Number of tornadoes in Illinois: 81
- National property damage from weather: $5,511,270,000
- Property damage from weather in Illinois: $255,700,000
- 1 in 15 homes has a claim each year, nationally.
Flooding is not typically covered by your homeowners insurance, and you may need flood insurance to be fully protected from the risk of damage from rising waters. Flood insurance policies are provided through the National Flood Insurance Program, but you can purchase a policy from a local independent agent. It is important to know that there is a 30-day waiting period before any benefits from your flood insurance policy will kick in, so be sure not to wait until a flood warning to investigate this important coverage.
Number of Thefts in Illinois:
- National average for burglaries: 37,814
- Illinois number of burglaries: 58,237
If you find yourself the victim of theft, you will need casualty insurance to help replace the items stolen. In order to choose the best policy, you will need to have a clear understanding of what the policy covers. Your Naperville homeowners insurance may cover items stolen from your home as well as theft of belongings from your car.
Second Home Insurance
Insuring your secondary home is as important as insuring your primary home. No matter how much time you spend there, the home itself and the personal belongings there are probably worth a lot to you. Getting the right second home insurance in place can help you protect your investment in both your home and your belongings. No two homes are alike, which means it is important to get the right Naperville homeowners insurance policy for your second home.
Compare Naperville Home Insurance Quotes
Trusted Choice agents can help you assess your risks and find the best insurance policy to meet your specific needs. With the right coverage in place that meets your needs and budget, you’ll have peace of mind that your important assets, finances, and personal belongings are safe. Independent insurance agents will find you great insurance coverage.