With beautiful heartland countryside bookended to the north and south by the famous cities of Chicago and Saint Louis, Illinois offers plenty of living options both rural and urban. Whether you decide to find yourself a quaint farmhouse outside of Springfield or a townhouse in the Chicago Metropolitan Area, make sure you protect your home for the long run. Keep it safe with homeowners insurance from Nationwide and see how reliable, flexible coverage can make life in the Prairie State that much better.
Learn more about our Illinois homeowners insurance coverage and discounts and start your free quote today.
Illinois homeowners coverages and discounts
Bundle your insurance policies and save money
Have a home? Have a car? You could also have savings. You can save up to 20 percent on your coverage by bundling your home and auto insurance with Nationwide. That's more money for the things you love and less for the cost of protecting them. You can also bundle other coverages such as boat and auto, multicar, and auto, home and life insurance. Get all the coverage you need in one place and save more of your money for enjoying everything Illinois has to offer.
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What factors go into determining a homeowners insurance rate?
While the average cost of homeowners insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your rate:
Location includes the state, ZIP code, and claims history of the area.
The materials that were used to build the house. If a custom home is being built additional coverage may be required to cover the construction site.
Age of the house
How new or old the house is, and the upgrades that were made to an older home.
The replacement cost is the cost of fully rebuilding the same house. This is typically assessed by an appraiser.
Owning a swimming pool may increase your liability coverage to cover possible injuries.
If you a run a business out of your home your premium may increase to cover the inventory, equipment, and supplies.
The type of coverage you choose and how much personal property and liability protection you want your home insurance policy to cover.
Find Nationwide Insurance near you in Illinois
Save up to 20% when you bundle auto and home insurance with Nationwide
Get a free Illinois homeowners insurance review
A Nationwide On Your Side® Review is a free, annual consultation and insurance assessment that can help you:
- Increase or decrease your deductible(s)
- Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
- Review our responsive home insurance claim policy
Call Nationwide at 1-877-On-Your-Side
and get your Illinois homeowners insurance quote today.
Nationwide coverage in Illinois
 Water Backup is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.