Average homeowners insurance cost in Rockford, Illinois

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The average cost of homeowners insurance in Rockford is $2,765 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 $183 more than the national average of $2,582 .

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

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

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read our guide to discover the monthly homeowners insurance cost in Rockford, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Rockford.

Key Takeaways

In Rockford, homeowners insurance costs $2,765 annually.
Allstate offers the most affordable homeowners insurance in Rockford with an average annual premium of $1,597 .
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $575 higher.

Average homeowners insurance cost per month

Residents of Rockford pay an average of $230 per month for homeowners insurance. This is $24 less than the state average of $254 and $15 more than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Rockford can vary depending on your location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house

In Rockford, IL, homeowners pay an average of $2,190 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, resulting in costlier 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 Rockford

According to a rate analysis by Insure.com, homeowners in Rockford pay an average of $2,765 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, you’ll have to pay $575 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home.

However, the amount of dwelling coverage you need may vary depending on the size of your home, its features, and the cost of living in your area.

Average homeowners insurance cost in Rockford by company

Among the carriers we analyzed, Allstate is the most affordable homeowners insurance company in Rockford. Its average annual rate for homeowners in Rockford is $1,597 , while State Farm ranks second.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Rockford and compiled a list of the most affordable home insurance companies.

Below are details of Rockford home insurance companies and their average annual premiums.

Home Insurance Company	Annual rate
Allstate	$1,597
State Farm	$1,907
Nationwide	$1,914
Farmers	$2,611
Country Financial	$3,415
American Family	$4,409
Travelers	$6,831
Auto-Owners	$1,956
USAA*	$2,213

*USAA is only available to military community members and their families.

Combining your home insurance with other policies, like auto insurance, can result in significant savings. Insurers often provide discounts to policyholders who bundle their policies, helping you reduce premiums. Bundling lowers your premiums and simplifies managing your insurance with one company.

Natural disasters in Illinois that can impact your home insurance

Natural disasters are a part of life in Illinois, often leading to expensive insurance claims. That’s why it’s so important to understand which disasters are most likely in your area before choosing a home insurance policy.

When you’re aware of the specific risks in your region, you can tailor your coverage to match – whether that means increasing your policy limits, choosing a deductible you’re comfortable with, or adding extra protection for uncovered events. Taking these steps now can help you avoid being underinsured and give you more financial security if a natural disaster hits your area.

Illinois is commonly affected by Cold wave, Heat wave and Strong wind.

How home insurance protects you against natural disasters

If your home is hit by a covered event, your insurance can help pay for repairs, replace your belongings, and even cover temporary housing if you can’t live in your home. Having the right coverage in place can make it a lot easier to get back on your feet after a disaster.

That said, not everything is automatically included. While most standard policies cover things like wind, hail, and lightning, you’ll usually need extra coverage for disasters like floods, earthquakes, or wildfires. It’s worth taking the time to understand exactly what your policy includes so there are no surprises when you need it most.

Keep in mind: Standard policies may not cover everything

While homeowners insurance typically protects against common hazards, some natural disasters – like floods and earthquakes – require separate policies. Don’t assume you’re fully covered. Check your policy details and consider endorsements or supplemental coverage if you live in a high-risk area.

Methodology

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

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.