Answer a few questions and see how much you could save. No email required.
$847 avg savings
60 seconds
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$/year
An estimate is fine if you don't know the exact number.
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Your home
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Savings ranges based on data from the Insurance Information Institute, NAIC, and published carrier discount programs.
“My neighbor told me she saved $800 just by comparing rates. Turns out I was overpaying too.”
Sarah M., Naperville
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How Illinois Homeowners Save on Home Costs
Most Illinois homeowners pay between $2,200 and $2,600 per year for home protection, which is above the national average. In the Chicago suburbs, costs range from $2,400 to $3,200 depending on home value, roof condition, and provider.
The biggest savings opportunities for Illinois homeowners are bundling home and auto plans (15-25% savings), raising your out-of-pocket from $1,000 to $2,500 (10-15% savings), and adding a wind/hail out-of-pocket (8-15% savings). Impact-resistant roofing earns 10-28% discounts from most providers since hail is the top cost driver in the state.
Two homeowners on the same street with identical homes can pay $800 or more apart depending on their provider, out-of-pocket structure, bundling status, and history. Comparing costs every 2-3 years is the single most effective way to make sure you are not overpaying.
Common Questions
How much can I save on home protection in Illinois?
Illinois homeowners who compare options and optimize their plan typically save $400 to $800 per year. Common savings come from bundling home and auto (15-25% off), raising your out-of-pocket (10-15% off), and adding a wind/hail out-of-pocket (8-15% off).
How does the RateShield savings calculator work?
You answer a few questions about your home, current plan, and protection choices. The calculator identifies savings opportunities based on industry-standard discount ranges. For your exact savings, a local expert compares options from multiple providers.
Is this calculator accurate?
The savings ranges are based on published industry data and are representative of what most Illinois homeowners can expect. Actual savings vary by provider, plan level, and individual factors. The calculator shows where you have opportunities -- a local expert provides your exact numbers.
Do I have to commit after using the calculator?
No. The calculator is completely free with no obligation. You can see your estimated savings and stop there. If you want your exact savings, you can continue to request a free review from a local expert.
Savings estimates are based on published industry data and provider discount programs. All figures represent typical ranges and are not guaranteed. Your actual savings depend on your specific provider, plan, history, and other individual factors. RateShield is a free service that connects Illinois homeowners with local experts. We are not a provider.
