What Does Home Insurance Cost in Illinois in 2026?
April 9, 2026 - 5 min read
Illinois homeowners pay more than the national average. What you'll actually pay depends on where you live, your roof, and whether you've shopped recently.
RateShield Blog
Practical home savings advice for Illinois homeowners.
Finding the Best Home Insurance in Naperville, IL
April 9, 2026 - 4 min read
Naperville homes are expensive to insure. Hail, high rebuild costs, and aging sewers all play a role. What you can do about it.
9 Ways to Save on Home Insurance in Illinois
April 9, 2026 - 5 min read
Beyond 'shop around.' Nine specific strategies based on how Illinois carriers actually price policies.
Why Illinois Home Insurance Rates Are Skyrocketing in 2026 (And What You Can Do About It)
April 9, 2026 - 7 min read
Major carriers have approved 9 to 27 percent rate increases. What's driving it, who's hit hardest, and what actually helps.
Hail Damage and Your Illinois Home Insurance: Claims, Deductibles, and the Roof Replacement Trap
April 10, 2026 - 7 min read
Illinois ranked second in the country for hail losses in 2024. What your policy actually covers, how percentage wind/hail deductibles work, and when to file vs. pay out of pocket.
First-Time Homebuyer Insurance Guide for Illinois: What to Know Before Closing
April 13, 2026 - 7 min read
You can't close without homeowners insurance. What Illinois first-time buyers need to know about coverage, costs, and the risks most people miss until it's too late.
Illinois Home Insurance Wind/Hail Deductible Explained: Percentage vs. Flat
April 20, 2026 - 7 min read
Most Illinois homeowners don't know their wind and hail deductible is percentage-based. What that means in dollars, when it makes sense, and what to check before storm season.
Does Illinois Home Insurance Cover Tornado Damage? What Every Homeowner Needs to Know
April 17, 2026 - 8 min read
Illinois averages 54 tornadoes a year and the peak season is right now. Yes, your policy covers tornado damage. But the deductible situation, flood exclusions, and coverage gaps can still leave you holding the bill.
Do I Need Flood Insurance in the Chicago Suburbs?
April 22, 2026 - 7 min read
Standard homeowners insurance doesn't cover floods. And 20 percent of flood claims come from properties outside designated high-risk zones. What Chicago suburban homeowners need to know.
Sewer Backup Coverage in Illinois: Why Your Home Insurance Probably Doesn't Cover Your Basement
April 24, 2026 - 8 min read
Standard homeowners insurance doesn't cover sewer backup. And in the Chicago suburbs, with aging combined sewers and heavier rain, that gap is more expensive than most homeowners realize.
Home Insurance in DuPage County: Costs, Coverage, and What to Watch For in 2026
April 27, 2026 - 8 min read
DuPage County homeowners pay $2,400 to $3,200 per year for home insurance, and 2026 rate increases are hitting especially hard. What you're actually paying for and where the coverage gaps are.
How to Lower Your Illinois Home Insurance Premium: 12 Discounts Most People Miss
April 29, 2026 - 7 min read
Twelve specific discounts on Illinois home insurance policies. Most of them only get applied if you ask for them.
Home Insurance Cancelled or Non-Renewed in Illinois? Here's Exactly What to Do
May 1, 2026 - 7 min read
Cancellation and non-renewal aren't the same thing. Knowing the difference, your rights under Illinois law, and where to find replacement coverage fast changes how this plays out.
The Illinois FAIR Plan Explained: Home Insurance When No One Else Will Cover You
May 6, 2026 - 7 min read
The Illinois FAIR Plan is the last stop when private carriers won't write your home. Enrollment is spiking in 2026. Here's what it covers, what it costs, and how to get off it.
Should You File a Home Insurance Claim in Illinois? When It Helps and When It Hurts
May 13, 2026 - 7 min read
Filing a home insurance claim in Illinois can raise your premium 20 to 40 percent for the next three to five years. For smaller damage, that surcharge often costs more than the claim pays out. Knowing when to file and when to pay out of pocket can save you thousands.
Do I Need an Umbrella Policy? A Guide for Illinois Homeowners
May 11, 2026 - 7 min read
Most Illinois homeowners skip umbrella coverage because they think it's for wealthy people. At $150 to $300 per year for $1 million in liability protection, it's worth a second look.
Bundle Home and Auto Insurance in Illinois: How Much You Actually Save
May 15, 2026 - 7 min read
Bundling home and auto insurance in Illinois saves most homeowners $500 to $1,100 per year. But the discount isn't automatic, and it isn't always the best deal. Here's how to check.
Adding a Teen Driver to Your Insurance in Illinois: Costs, Discounts, and Survival Tips
May 18, 2026 - 7 min read
Adding a teen driver to your Illinois auto policy typically costs $3,500 to $5,500 more per year. Here's what drives that number and how to bring it down.
Illinois Car Insurance Requirements in 2026: Minimum Coverage Explained (And Why It's Not Enough)
May 20, 2026 - 8 min read
Illinois requires 25/50/20 liability coverage and uninsured motorist coverage. Those minimums were set in 1989. What they mean in dollars, why they fall short in a real accident, and what most suburban drivers actually need.
How Much Does Car Insurance Cost in the Chicago Suburbs?
May 22, 2026 - 8 min read
Chicago averages $2,373 per year for car insurance. Suburban drivers pay significantly less, but the spread is wide. What you'll actually pay in Naperville, Schaumburg, and across DuPage County depends on a lot more than your ZIP code.
SR-22 Insurance in Illinois: What It Costs, How Long You Need It, and Where to Get It Cheap
May 25, 2026 - 7 min read
SR-22 isn't a type of insurance. It's a certificate your insurer files with Illinois. But it does make your premiums jump. Here's what it costs, how long you're stuck with it, and how to keep the bill as low as possible.