Average homeowners insurance cost in Naperville, IL

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The average cost of homeowners insurance in Naperville is $2,704 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $122 more than the national average of $2,582.

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Naperville depend on a number of factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Naperville, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Naperville.

In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Naperville.

Key takeaways

The cost of your homeowners insurance policy in Naperville can vary based on factors such as your location, the value of your home, and the coverage options you select.
Allstate is the cheapest homeowners insurance company in Naperville with an average annual premium of $1,800.
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $555 more, annually for home insurance.

Average homeowners insurance cost in Naperville per month

Naperville homeowners pay an average of $225 a month, based on our rate analysis. It’s $29 less than the state average of $254 and $10 more than the national average for home insurance across the United States. The price of your homeowners insurance policy in Naperville may vary depending on where you live, the value of your home, and the coverage you choose.

Average homeowners insurance cost for a $200,000 house in Naperville

In Naperville, IL, homeowners pay an average of $2,149 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as – natural disasters or events within your locality.

Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas are higher, resulting in higher insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance.

Average homeowners insurance cost for a $300,000 house in Naperville

Based on a rate analysis conducted by Insure.com, Naperville residents pay an average of $2,704 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $555 per year for home insurance.

Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area.

Average homeowners insurance cost in Naperville by company

Among the carriers analyzed, Allstate is the most affordable homeowners insurance company in Naperville, offering an average annual rate of $1,800.

Nationwide ranks second, while State Farm holds the third spot with an average annual rate of $1,886.

Researching a company thoroughly before selecting a homeowners insurance policy is essential. Insure.com has meticulously reviewed all insurance companies operating in Naperville and compiled a list of the most affordable options.

Below are the details of home insurance companies in Naperville and their average annual premiums.

Home Insurance Company	Annual rate
Allstate	$1,800
Nationwide	$1,879
State Farm	$1,886
Farmers	$2,807
Country Financial	$2,976
American Family	$4,323
Travelers	$6,727
Auto-Owners	$1,914
USAA*	$1,983

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Naperville for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.