How Can I Make My Schaumburg, IL Home Insurance Cheaper

Gavop tells you how to get the best homeowners insurance in Schaumburg, IL by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.

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No	Topics
1	Research How your Schaumburg, IL Home Impacts your Rates
2	Match your Background to Schaumburg, IL Home Insurance Offers
3	Optimize your Schaumburg, IL Homeowners Insurance Policy
4	Identify Top Home Insurance Agents near Schaumburg, IL
5	Compare Rates from Home Insurance Companies in Schaumburg, IL
6	Research Home Insurance Companies Reviews in Schaumburg, IL

Select the Suitable Coverage Value for your Schaumburg, IL Home | Back to Top

Bedrooms	Average Home Value	Estimated Replacement Value	Recommended Home Insurance Coverage
1 Bedroom	$74,000	$70,000	$50,000-$75,000
2 Bedroom	$130,500	$110,000	$125,000-$150,000
3 Bedroom	$209,000	$190,000	$175,000-$200,000
4 Bedroom	$198,000	$180,000	$175,000-$200,000
5 Bedroom	$472,500	$380,000	$500,000-$600,000

Estimate your Savings with Home Insurance Discounts in Schaumburg, IL | Back to Top

Type	Discount ($)	Premium After Discount ($)
Multipolicy Discount	-$127	$779
Superior Protection Discount	-$91	$815
Fire & Security Discount	-$72	$833
Hail Resistant Roof Discount	-$18	$887
Newly Constructed Home Discount	-$253	$652

Choose your Schaumburg, IL Home Insurance Coverage for your Specific Claim Requirement | Back to Top

Claim Type	Average Claim Cost
General Claims
Water Damage	$5,975
Physical Damage	$2,488
Hail Damage	$4,759
Wind Damage	$6,305
Expensive Claims
Fire	$45,123
Smoke	$15,884

Identify Top Home Insurance Agents near Schaumburg, IL | Back to Top

Home Insurance Company Schaumburg, IL	Homeowners Insurance Agency Schaumburg, IL	Address	Distance from Schaumburg (miles)
State Farm	Paul Siano	8130 W 143rd St, Orland Park, IL, 60462-2310	30.8
Erie	Mccarthy And Company Llc	455 N Roselle Road, Roselle, IL, 60172	2.7
State Farm	Jim Dugan	237 W Main St, Barrington, IL, 60010-4205	9.0
State Farm	Neal Gallo	6666 N Western Ave Ste 1, Chicago, IL, 60645-5107	20.7
State Farm	Bobby Polarek	921 W Irving Park Rd, Itasca, IL, 60143-2023	5.0
State Farm	Chad Oberholtzer	6610 N Milwaukee Ave, Niles, IL, 60714-4417	15.5
Nationwide	Hollinger Services Inc	220 S. Lively Blvd, Elk Grove Village, IL, 60007-1600	6.2
State Farm	Rob Apostolakis	3608 Dempster St, Skokie, IL, 60076-2342	19.1
Liberty Mutual Independent	Corkill Insurance Agency Inc	25 Northwest Point Blvd Suite 625, Elk Grove Village, IL, 60007	5.5
State Farm	Gary Lemenager	1250 W Lake St Ste 2, Addison, IL, 60101-5744	6.9

Compare Rates for Schaumburg, IL Home Insurance Providers | Back to Top

Place	Typical Home Value	Typical Home Insurance Costs	25th Percentile	75th Percentile	Potential Savings & Difference between 25th & 75th Percentile
Illinois	$179,700	$850	$620	$1,210	$590
Cook County, IL	$227,400	$892	$640	$1,260	$620
Schaumburg, IL	$236,800	$905	$620	$1,260	$640
Kildeer, IL	$625,500	$2,078	$1,410	$2,870	$1,460
Lake in the Hills, IL	$211,000	$759	$550	$1,050	$500
Broadview, IL	$148,400	$785	$560	$1,080	$520
Lake Forest, IL	$855,500	$738	$520	$1,010	$490
Chicago, IL	$234,500	$902	$650	$1,290	$640
Hickory Hills, IL	$215,600	$765	$540	$1,060	$520
Orland, IL	$259,100	$821	$600	$1,160	$560
Highland, IN	$155,400	$768	$550	$1,090	$540
Caledonia, IL	$168,800	$696	$470	$980	$510
Morris, IL	$194,900	$737	$530	$1,020	$490

Research Home Insurance Companies Reviews in Schaumburg, IL Before Buying | Back to Top

Share a review on your home insurance company

Allstate Home Insurance Reviews

Date: April 04, 2019 Age: 30 to 39 Gender: Female Marital Status: Married

Premium

The premium is pretty low for all of the benefits you get. I have a pretty low deductible too, which give me peace of mind.

Date: January 17, 2019 Age: 50 to 59 Gender: Female Marital Status: Unmarried

Policy Offerings

Water damage should always be covered in all home insurance. The fire department can flood your house just as easy as a storm. Water causes a lot of damage and should be covered on all homeowners policies. When you don't live in a flood zone doesn't mean it won't flood. Global warming is going to cause more and more water damage in the near future. All insurance providers should be covering it. Not making people get a separate policy. All about the same that I found

Date: December 04, 2018 Age: 30 to 39 Gender: Male Marital Status: Married

Policy Offerings

I don't really know that much I'm sure it's the usual policy. After dealing with other insurance I have allocated my insurance needs to an agent.

Date: September 22, 2018 Age: 30 to 39 Gender: Male Marital Status: Married

Premium

When I first got this policy the premium was the lowest. With the premium being the lowest it also included the coverage we needed for our home. The other insurance companies had similar policies, however they did not include all the services we wanted to have included such as sub-pump coverage.

Date: July 30, 2018 Age: 20 to 29 Gender: Female Marital Status: Married

Customer Service

Their customer service is really nice. Every time I have called I have had no issue, however they have't solved the issue i needed them too. Such as if i needed to speak with my adjuster they were unable to provide any information on them. It would be great if they had access to the information needed to fully assist callers when they call in.

Date: July 30, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried

Communication

The local company is usually nice, I have never had an issue with them. When I call the local office they will usually get to the bottom of the issue and then call me to let me know what i need to do and also if the problem has been resolved.

Date: June 02, 2018 Age: 30 to 39 Gender: Female Marital Status: Married

Policy Offerings

On my insurance I have the normal things included like roof, structural damage, detached dewling, it also has additional coverage for sub pump failure too. It includes an amount to rebuild the house if it was to be a total loss and our deductible is $1,000 per incident.

Date: November 19, 2017 Age: 20 to 29 Gender: Male Marital Status: Married

Website/App

The website is pretty good, however it does have room for improvement. It is not very user friendly when I am attempting to communicate for claim purposes. I have submitted documents and emailed through their secure portal and sometimes get a response but most of the time i do not. The company is really slow to respond and its frustrating.

Erie Insurance Home Insurance Reviews

Date: July 26, 2019 Age: 30 to 39 Gender: Female Marital Status: Married

Premium

I have checked other national insurance companies and price checked Erie. They are always very close in price. Therefore I don't have a reason to change.

Date: August 15, 2018 Age: 50 to 59 Gender: Female Marital Status: Married

Policy Offerings

My homeowners policy offers coverage for fire, smoke, wind, hail, weight of ice and snow, lightning, theft and more. Property insurance also provides liability coverage in case someone other than the property owner or renter is injured while on the property and decides to sue.

Date: August 09, 2018 Age: Above 60 Gender: Female Marital Status: Unmarried

Communication

Erie insurance does a great job of emailing and sending information via mail. We know when our premiums are due and any changes to the policy from year to year.

Date: August 01, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried

Premium

Our premium is higher than other premiums but my husband has an existing relationship with our insurance agent. We are probably paying 200-300 more than we would with a company such as Progressive or Allstate.

Date: May 11, 2018 Age: 40 to 49 Gender: Male Marital Status: Married

Customer Service

The insurance agent is very responsive provides a personalize touch whenever we contact him so the premium at this time is worth it. We had to file a claim and they took care of the matter diligently and effectively.

Date: November 19, 2017 Age: 30 to 39 Gender: Female Marital Status: Married

Website/App

The website doesn't allow you to upgrade or change your policy. They've recently updated their website so that it is more dynamic and has a lot more information so I don't have to call or email the agent.

Liberty Mutual Home Insurance Reviews

Date: November 28, 2018 Age: 20 to 29 Gender: Male Marital Status: Married

Premium

As far as premiums and deductibles, I am satisfied with the cost, it's hard not to be as it's covered by my homeowners association, but even if not the pricing is more than fair.

Date: October 01, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried

Premium

I have shopped around and my premium is slightly lower but not much. I went with this provider in order to get a bundled package and save on overall insurance costs for home and auto and also a rental policy for my daughter.

Date: September 20, 2018 Age: 30 to 39 Gender: Female Marital Status: Married

Policy Offerings

the policy has a high deductible to lower the premiums but still cover replacement value of the home and contents and protects against damage or theft above the deductible amount.

Date: August 26, 2018 Age: 30 to 39 Gender: Female Marital Status: Married

Customer Service

the customer service reps. have been helpful but I did get contradictory information one time on insuring my daughter when she went away to college and it took me several more calls to get it straightened out.

Date: August 15, 2018 Age: 30 to 39 Gender: Female Marital Status: Married

Communication

I signed up for the Right Track program where you can download an app and install a device in your car and they monitor your driving for 90 days. It did end up saving some money (not much) but downloading the app was a nightmare.

Date: August 04, 2018 Age: 20 to 29 Gender: Male Marital Status: Married

Website/App

the company's website can be confusing at times and not intuitive and with the type of questions I usually have I end up calling a customer service provider anyway because I do not want to make a mistake and then they can claim they are not responsbile.

Kemper Home Insurance Reviews

Date: September 17, 2018 Age: Above 60 Gender: Female Marital Status: Married

Premium

I feel the premium is higher than others. I wish I could get a free quote without giving my personal info.

Date: September 04, 2018 Age: 30 to 39 Gender: Female Marital Status: Married

Website/App

It freezes up fairly often or has error messages. This may be my computer though. It is easy to find what I'm looking for and they have additional helpful information on the site.

Date: June 08, 2018 Age: 40 to 49 Gender: Female Marital Status: Married

Policy Offerings

The dwelling is covered, medical bills and costs, and any additional structures on the property. It does not cover the loss of use or anything else.

Date: May 08, 2018 Age: Above 60 Gender: Male Marital Status: Married

Customer Service

We go through an insurance agent from an outside company. It sometimes takes them over one day to respond to us.

Date: November 18, 2017 Age: Above 60 Gender: Female Marital Status: Married

Communication

We have no direct contact with Kemper, only with our outside insurance company who handles everything. The interaction with the outside company is very good though.

Homesite Insurance Home Insurance Reviews

Date: September 29, 2018 Age: 30 to 39 Gender: Female Marital Status: Married

Website/App

I have not been on their website. If we need to talk to our insurance company. I call my agent directly. I prefer talking to someone personally

Date: September 29, 2018 Age: Above 60 Gender: Female Marital Status: Unmarried

Customer Service

I call my agent every year to go over everything. She works with me to try to get my rate lowered and lets me know whats best. I trust her

Date: September 21, 2018 Age: 30 to 39 Gender: Male Marital Status: Married

Premium

I got my coverage in 2002. I have better coverage than most people. I got a new roof and changed my deductible to get my rate lowered

Date: September 03, 2018 Age: Above 60 Gender: Male Marital Status: Unmarried

Communication

Every year I get a letter saying its time to renew. It reminds me to call and go over things. She is kind and always ready to help

Date: August 15, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried

Policy Offerings

My home is covered for 125000. It covers dwelling but not personal items. I am covered for hurricane damage but have a high deductible. Also, have to carry flood insurance because we are in a flood zone. 100-year flood zone. Garage and pump shed are detached but both are covered.

AAA Home Insurance Reviews

Date: June 17, 2019 Age: 40 to 49 Gender: Unmarried Marital Status: Female

Customer Service

I like AAA. They are a well known company that provides excellent customer service.

Date: February 24, 2019 Age: 50 to 59 Gender: Male Marital Status: Married

Policy Offerings

I've chosen this insurance company based on price as their policy offerings are almost exactly the same as other insurance providers.

State Farm Home Insurance Reviews

Date: October 20, 2018 Age: 40 to 49 Gender: Male Marital Status: Married

Website/App

I do not use the website often but when I do I get lost and unsure of how to find what exactly I am looking for. I also forget my password and it is difficult to retrieve it.

Amica Mutual Insurance Home Insurance Reviews

Date: May 28, 2019 Age: 40 to 49 Gender: Unmarried Marital Status: Female

Customer Service

I have had amazing service with Amica when I had to make a claim about water damage. They were prompt and efficient and I got my money for repairs almost instantly.

Farmer's Insurance Home Insurance Reviews

Date: September 10, 2019 Age: 20 to 29 Gender: Male Marital Status: Married

Customer Service

I have no complaints regarding my experience with my insurance company. I would rate my experience with their customer service as a 5.