Best Home Insurance in Chicago 


If you’re searching for the best home insurance in Chicago, learn about four providers you should consider.

Home insurance policies can make a major difference for people living in areas where homes are often damaged. Chicago homeowners are no exception.

If you’re in the market for a home insurance policy in Chicago, you will have a wide range of providers to consider. In this guide, we help you narrow your search to the top companies in the area.

To get free quotes from multiple companies near you, call 855-948-5219 or enter your zip code in the tool below:

Chicago’s Top 4 Homeowners Insurance Companies

The highest-rated homeowners insurance companies in Dallas include:

  1. Allstate: Best Overall
  2. Farmers: Most Customizable Coverage
  3. Amica: Best Customer Service
  4. Lemonade: Best Value

The best homeowners insurance companies in Chicago offer comprehensive coverage with a variety of customizable add-ons and affordable monthly premiums. Read on to learn more about our top four picks.

Compare the Best Homeowners Insurance Companies in Chicago

See how the top homeowners insurance companies in Chicago stack up on key metrics.

*Cost may be calculated for homes of slightly varying values

Industry-Standard Coverage

Most homeowners insurance companies offer six essential forms of coverage—dwelling, other structures, personal property, loss of use/additional living expenses, personal liability, and medical payments to others. Each of our top companies offers these protections. You can find a breakdown below.

1. Allstate

Allstate is the second-largest home insurance provider in the country with a solid reputation and strong financial backing. The company offers a lengthy list of endorsements, including identity theft protection and sports equipment coverage. Its 24/7 customer service center goes beyond the norm—customer service representatives are available to answer all home insurance questions, going beyond simply assisting with claims.

Weigh the pros and cons of Allstate below.

Plans and Pricing of Allstate

We received an instant quote for a new construction, single-family, approximately 2,100-square-foot home in Chicago valued at roughly $420,000. The monthly premium came out to $177.


Allstate offers many discounts to help reduce the cost of your premium:

  • Multi-policy
  • Early signing
  • Claim-free
  • Home alarm
  • Roof
  • Smoke-free
  • Storm shutter
  • Homebuyer
  • Easy Pay Plan
  • Age 55 and retired
  • Welcome and loyalty

Allstate Endorsements

Here you can see a sample of Allstate’s endorsements. Add-on coverages might vary depending on the state, but you can confirm which ones are available in your personalized quote.

2. Farmers

Farmers is a nationwide home insurance company and a household name. The company’s impressive perks include some uncommon features like claim forgiveness and declining deductibles. Claim forgiveness waives your surcharge when you go five years or more without filing a claim, and the declining deductibles policy means every year your policy is in force, Farmers will reduce your deductible by $50.

Weigh the pros and cons of Farmers below.

Plans and Pricing of Farmers

We received an instant quote for a new construction, single-family, approximately 2,100-square-foot home in Chicago valued at roughly $330,000. The monthly premium came out to $148.


Farmers offers several discounts to lower your monthly premium:

  • Claim-free
  • Non-smoking
  • Multi-policy
  • Protective devices
  • New home
  • Roofing materials

Farmers Endorsements

Farmers offers several endorsements to help you round out your coverage.

3. Amica

Amica is a reliable home insurance company known for high-quality customer service and extensive coverage options, like protections for computers, smartphones, and tablets. Its customer service includes the Contractor Connection program, which links homeowners to vetted, experienced contractors within 24 hours. Homeowners can track repair progress online, and all repairs come with a five-year workmanship guarantee.

Weigh the pros and cons of Amica below.

Plans and Pricing of Amica

We received an instant quote for a single-family, new construction, roughly 2,200-square-foot home in Austin, Texas, valued at approximately $240,000. The monthly premium came out to $186.


Amica offers a range of discounts:

  • Multi-policy
  • Claim-free
  • E-discount
  • Autopay
  • Loyalty
  • Alarm system
  • Automatic detection devices
  • New and remodeled homes

Amica Endorsements

Amica offers a variety of optional endorsements.

4. Lemonade

Lemonade is a relatively new home insurance company, but it has already made a big impact with its charitable angle and efficient technology. The provider pools the premiums and donates any leftover money to charity at the end of the year. Its technology-driven approach includes a video function for homeowners to record videos explaining their claims, and nearly a third of Lemonade claims are handled instantly.

Weigh the pros and cons of Lemonade below.

Plans and Pricing of Lemonade

We received an automatic quote for a single-family, new construction, roughly 2,200-square-foot home in Eureka, California. The premium came out to $60.75 per month. You can request a personalized quote online to find out how much it would cost to cover your Chicago home.


Lemonade offers several discounts to help lower the cost of your home insurance:

  • Fire protection
  • Protective devices
  • Gated community
  • Multi-policy

Lemonade Endorsements

Lemonade offers a variety of optional add-on protections.

Our Conclusion

Each home insurance provider that cracked out top four stands out. Allstate is our choice for best overall, with a 24/7 customer service center and an extensive range of endorsements that allow you to purchase the coverage you need. Amica offers high-quality customer service, including the Contractor Connection program. Farmers offers wallet-friendly benefits like declining deductibles and claim forgiveness, and Lemonade uses a technology-forward approach that simplifies the claim-filing process.

Before you purchase a home insurance policy in Chicago, we recommend getting a free quote from all four providers to compare coverage and pricing. To get quotes from multiple providers in your area, call 855-948-5219 or plug your zip code into the tool below:

Frequently Asked Questions

Who has the cheapest home insurance?

Home insurance rates depend on a variety of factors, including the size and age of your home, the materials it was constructed with, where you live, the deductible you choose, and more. From the companies we’ve evaluated, we’ve found that Lemonade and Costco have some of the cheapest home insurance rates.

What is the highest deductible for home insurance?

According to, home insurance deductibles can go as high as $100,000.

Is Allstate good for homeowners insurance?

We believe that Allstate is the best overall homeowners insurance company, followed by Farmers, Amica, and Lemonade. Other top options include Liberty Mutual, State Farm, and USAA.

Our Methodology

The This Old House Reviews team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.

To share feedback or ask a question about this article, send a note to our Reviews team at

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