How Can I Make My Naperville, IL Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in Naperville, IL covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.

Compare Quotes from Top Providers and Save now!

Are you a home owner?
Yes No
Currently Insured?
Yes No


Estimate Appropriate Naperville, IL Home Insurance Coverage Levels | Back to Top

Naperville, IL - Neighbourhoods, Census Blocks & Streets 4 Bedroom 2 Bedroom
Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
Bristol Ave, Sable Oaks Dr, Rhine Ave, Othello Dr, Knoch Knolls Rd, Scottsdale Cir, Milkweed Dr, Moonlight Ct, Perth Dr, Bosi Ct $407,500 $360,000 $400,000-$500,000 $222,000 $200,000 $200,000-$250,000
Olympic Dr, Hillsboro Ln, Bamboo Ln, W Champion Dr, Meadow Rd, Stonewater Dr, Armstrong Ln, Decathalon Ln, Water Lily Ct, Cantore Rd $412,000 $380,000 $350,000-$400,000 $222,000 $210,000 $200,000-$250,000
Naper Blvd, Branford Ln, Bob White Ln, Hoyer Ct, Silk Oak Dr, Hollingswood Ave, Rockport Ln, Larkspur Ln, New Haven Dr, Quail Ridge Ct $295,000 $270,000 $300,000-$350,000 $216,500 $190,000 $250,000-$300,000
Calico Ave, Walden Ct, Fawell Ct, Cebula Ct, Lilac St, Pine Cone Ct, Catclaw Ct, Royal County Down Dr, Pear Tree Cir, Buli Ln $450,000 $370,000 $350,000-$400,000 $135,000 $110,000 $150,000-$175,000
Juanita Dr, Leewood Ct, Lavina Dr, S Comstock Ct, Shakespeare Ln, 232nd Ave, Emory Ave, Wheatland Ct, S Sunridge Dr, Skylane Dr $536,000 $480,000 $500,000-$600,000 $212,000 $200,000 $250,000-$300,000
Falcon Dr, Blue Iris Ct N, Trevino Ct, Tiara Ct, Seth St, Waynesburg St, Partlow Dr, Lawrence Dr, Cleavland Dr, Fairfax Ct $351,000 $320,000 $250,000-$300,000 $345,000 $280,000 $400,000-$500,000
Looking Post Ct, Trussel Rd, Danhof Ct, Fawn Lake Cir, Tamahawk Ln, Orwell Rd, Lindsey Ln, Deerpath Way, Stonington Ct, Applewood Ct $448,000 $420,000 $400,000-$500,000 $192,500 $180,000 $200,000-$250,000
Churchill Dr, Brookstone Dr, Beaconsfield Ave, Apollo Dr, Generation Dr, Rushmore Dr, Ferguson Rd, Lindholm Ct, Townsend Dr, Loveland St $270,000 $250,000 $200,000-$250,000 $211,000 $190,000 $200,000-$250,000
Steamboat Rd, Burnham Ct, Albert Hall Ct, Rosemary Dr, Willow Ridge Dr, Idlewild Ln, Butte View Dr, de Lasalle Ave, Wayland Ln, Paxson Ct $623,500 $570,000 $700,000-$800,000 $190,000 $160,000 $200,000-$250,000
Modaff Rd, Rolling Meadows Dr, 232nd Ave, Warm Springs Ln, Connecticut Ave, Prelude Ct, Twilight Ave, Foster Ct, Dilorenzo Dr, Becket Ln $568,000 $540,000 $600,000-$700,000 $287,000 $270,000 $300,000-$350,000

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

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$194 $1,018
Superior Protection Discount -$121 $1,091
Fire & Security Discount -$121 $1,091
Hail Resistant Roof Discount -$36 $1,175
Newly Constructed Home Discount -$327 $885

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

Claim Type Average Claim Cost
General Claims
Water Damage $6,095
Physical Damage $2,368
Hail Damage $4,759
Wind Damage $6,624
Expensive Claims
Fire $44,229
Smoke $16,051

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

Home Insurance Company Naperville, IL Homeowners Insurance Agency Naperville, IL Address Popularity Score Distance from Naperville (miles)
State Farm Jeremy Zeitler 1460 E Chicago Ave, Naperville, IL, 60540-5915
3.3
Liberty Mutual Independent Schulz-Brundage Inc 932 Maple Ave , Downers Grove, IL, 60515
8.5
State Farm Mallory Jordan 2340 S Eola Rd Ste 102, Aurora, IL, 60503-6411
5.4
Allstate Michael Mizwicki 2020 Ogden Ave, Downers Grove, IL, 60515
7.7
Erie Willow Tree Insurance Group Inc. 633 Rogers St Ste 101 , Downers Grove, IL, 60515
8.9
Allstate Kevin Calder 1703 Ogden Ave, Downers Grove, IL, 60515
8.1
Travelers Southpoint Insurance Agency Inc 19645 La Grange Rd, Mokena, IL, 60448
22.0
Travelers Bears Insurance Group Llc 9567 Franklin Ave, Franklin Park, IL, 60131
20.0
Allstate Marc Turim 400 Lake Cook Rd Ste 110, Deerfield, IL, 60015
32.5
State Farm Neal Callow 5016 Fairview Ave, Downers Grove, IL, 60515-3951
9.2

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

Compare Quotes from Top Providers and Save now!

Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Illinois $179,700 $850 $570 $1,210 $640
Will County, IL $216,400 $876 $630 $1,250 $620
Naperville, IL $398,500 $1,212 $880 $1,680 $800
Joliet, IL $165,600 $797 $570 $1,090 $520
Big Rock, IL $240,400 $949 $650 $1,300 $650
Stickney, IL $174,600 $840 $600 $1,170 $570
Elmwood Park, IL $235,600 $790 $570 $1,120 $550
Glenview, IL $488,300 $1,359 $960 $1,890 $930
Olympia Fields, IL $226,900 $928 $680 $1,290 $610
Huntley, IL $238,000 $794 $530 $1,100 $570
Highland, IN $155,400 $768 $510 $1,060 $550
Earlville, IL $107,500 $674 $460 $960 $500
Avon, IL $155,300 $776 $550 $1,060 $510

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

Share a review on your home insurance company


Progressive Home Insurance Reviews

Date: August 14, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Premium
It's about the same. But I am willing to bet that other companies can offer reasonable quotes for storm damage, unlike the worthless company I have now.

Date: September 23, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
Dwelling - Includes Fire & smoke, wind, lightning, hail (not flood insurance though) Personal Property - Furniture, clothing, some jewelry, electronic devices (tv, pc, phone, etc.) Other Structures - Detached garages. fence, sheds, etc. Liability - If someone has an accident on my property medical and legal expenses covered, as well as repairs or settlements


Date: August 08, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Communication
Obviously based in America, as they can speak English, and they are always courteous and helpful

Date: June 05, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Website/App
Clean friendly UI and easy to navigate. Haven't needed to file a claim as of yet, but I assume it will be easy from the looks of the rest of the app

Date: March 17, 2018    Age: Above 60    Gender: Female    Marital Status: Unmarried

Premium
My premium is almost 15% lower than with my previous insurance company, and I get better coverage. It would have been dumb not to switch.

Date: November 28, 2017    Age: 20 to 29    Gender: Male    Marital Status: Married

Customer Service
I don't have much cause for interaction with my insurance company, but on the rare occasion, I have needed to contact them I have never had to wait long to speak to an actual human. They have always been quite friendly and helpful. No complaints

Country Financial Home Insurance Reviews

Date: July 02, 2019    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Policy Offerings
You can be sure that when I bought my home I had expected to live in it through my retirement. It was insured for replacement value which has yet to happen.


Date: September 15, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Website/App
I like that I can view all policy information for both my vehicles and home insurance, showing annual totals, amounts of coverage, etc I dislike that I cannot see my current or past invoices, they are only sent in the mail.

Date: September 04, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Communication
I like the human iteration, my agent is only 10 minutes from my home and I can stop in/call at any time and speak to someone who knows me by name and helps me with any need/issue I am currently having.

Date: August 25, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Customer Service
I like that our insurance company offers live local help, I can stop into my agents office and he will help me or someone on his staff is sure to answer any questions or concerns that I have, I do not have to call a 1-800 number and talk to someone who isn't familiar with my needs

Date: August 22, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Policy Offerings
Liability $500,000 Medical $10,000 (per person) / $50,000 (per occurrence) 19.15% Earthquake Deductible Sump Pump: 5LTD Discounts: Alarm Credit, Smoke Detectors, Safe Heat, New Roof Personal Property Amount: $239,733 Personal Property Deductible: $$1,000 Additional Living Expense: $63,928.00 Auxiliary Private Structure Amount $31,964 Sump Pump Failure/Backup of Sewer Earthquake includes exterior masonry Jewelry Endorsments Multi policy discount


Date: August 08, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Premium
When pricing our home we found Country Financial to have the lowest premium available compared to multiple other insurance companies in the area.

Erie Insurance Home Insurance Reviews

Date: October 18, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Premium
Erie offers numerous ways to set your deductibles at affordable amounts which in turn provide you with premiums that will meet each insurers needs.

Date: August 11, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Policy Offerings
All of my things in the house are covered. My clothing, furniture, fixtures, structure.personal belongings like tv, tablet, books, jewrly.


Date: August 10, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Communication
I get my policy ahead of the due date so that I can review it. I always pay monthly and they send a list of dates the premium will be withdrawn from my bank.

Date: August 06, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
I have not compared my company to another for a number of years. They were reasonable at the time of purchase and they are a trusted company.

Date: January 31, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
My agent is always available or responds quickly if I leave a message. Their service when I had a claim in the past was excellent. I can trust this company.

Date: November 19, 2017    Age: 50 to 59    Gender: Male    Marital Status: Unmarried

Website/App
What dislike is that my agent does not have a website. It would be great to see other offerings as well as being able to make changes to my policy to see how it affects my premium.

State Farm Home Insurance Reviews

Date: October 19, 2019    Age: 20 to 29    Gender: Female    Marital Status: Married

Premium
Our deductible is $1000, I haven't really done much shopping around for home insurance so I really wouldn't know others deductibles

Date: May 22, 2019    Age: 20 to 29    Gender: Unmarried    Marital Status: Male

Customer Service
They are reliable, responsible and attentive.They provide security to customers and in turn to a wide coverage, although the payment rate is worthwhile since they provide an excellent service, with a qualified staff.

Date: March 28, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Premium
I've never looked into other home insurance policies or coverages, we've stuck with one because it is bundled and continue to keep the same policy.

Date: March 05, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Premium
I haven't really researched the premium of other companies but I have had to use the deductible during an incident and it was not terribly expensive as far as I could tell.

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

Policy Offerings
I like having a local office I can ask questions. My old company used an overseas call center. I was not confident in their answers.


Date: October 23, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Website/App
I dont normally use the app as i don't feel the need to regularly check on our home contents policy, I feel I can call our providers when I need to

Farmer's Insurance Home Insurance Reviews

Date: September 23, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Website/App
the companies mobile web its difficult to operate the site at times does not work due to congestion online as this company is premium company sop on certain occasions

Date: August 10, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Communication
truly speaking there are all likes no many dislikes as the company is offering the best services with no complaints

Date: July 30, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Customer Service
the customer service is multilingual and very good on-time performance very courteous and helpful to your insurance policy needs or queries well organized and experienced multi-racial staff on their toes to serve the customers

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

Premium
there are lot more other companies offering lower premiums but service is not so satisfactory as compared to farmers insurance

Date: November 19, 2017    Age: 40 to 49    Gender: Male    Marital Status: Married

Policy Offerings
i have a full coverage against natural calamities, war, flood damage, hurricane


American Family Home Insurance Reviews

Date: February 27, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
My company have really good rates compared to some of the other companies so I will make sure to stick with them. I have all of my insurance through them currently.


Nationwide Home Insurance Reviews

Date: October 07, 2019    Age: 40 to 49    Gender: Female    Marital Status: Married

Customer Service
We have been satisfied with our insurance company.we used the same company for renters insurance and they were fast and fair when helping us when an electrical issue fired all of our electronics in our rental home.

Allstate Home Insurance Reviews

Date: June 17, 2019    Age: 20 to 29    Gender: Unmarried    Marital Status: Male

Customer Service
The customer service hasn't been all too amazing to be honest; they have done nothing that has blown me out of the water. I need to start looking for a new company.

Meemic Insurance Home Insurance Reviews

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

Premium
This is by far the best part, they're very very affordable and I really appreciate this about them.

Homesite Insurance Home Insurance Reviews

Date: June 03, 2019    Age: 20 to 29    Gender: Married    Marital Status: Female

Premium
My premium seems to be slightly better than the premium offered by other insurance companies. I have compared rates to other companies and my premium has come out cheaper.

9 Ways to Get Discounts on Homeowners Insurance in Naperville, IL

What Makes Your Naperville, IL Home Insurance Cheap or Expensive