Insurance
Homeowners Insurance in Illinois
Published September 24, 2026 · Last updated October 1, 2026
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The short answer
Illinois homeowners paid about $1,343 a year on average in 2022, below the U.S. average of $1,569. Hail, wind, tornadoes, and basement water are the claims to plan for.
Illinois also has two things many homeowners don't know about: mine subsidence coverage that's added to many policies automatically, and clear rules on how much notice your insurer must give before dropping you.
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Do you need homeowners insurance in Illinois?
State law doesn't require it. But if you have a mortgage, your lender will. If your policy lapses, the lender can buy one for you and add it to your payment. That's called force-placed insurance, and it usually costs more.
What's different in Illinois
Mine subsidence coverage
Parts of Illinois sit over old underground coal mines. When a mine settles or collapses, the ground above can sink and crack a home's foundation. That's called mine subsidence, and standard homeowners policies don't cover it.
- In 34 Illinois counties with the most mining, insurers must include mine subsidence coverage on your policy.
- You can remove it only by signing a waiver.
- Outside those counties, you can ask your agent to add it.
- Residential coverage can go up to $750,000.
Check your declarations page to see if you have it. If you live in a mining area, think hard before signing it away.
Basement water backup
Water that backs up through a floor drain, sewer line, or sump pump usually isn't covered by a standard policy. You can often add water backup coverage for an extra cost. If you have a finished basement, ask about it.
Flooding from outside is a separate risk that needs a flood policy. See flood insurance.
Hail, wind, and tornadoes
Spring and summer storms bring hail, high winds, and tornadoes. Ask whether your policy has a separate wind and hail deductible, and what it is in dollars. If you're replacing your roof, see roof replacement.
Your rights if your insurer won't renew
Illinois sets notice rules for non-renewal:
- Policy in force less than 5 years: at least 30 days' notice.
- Policy in force 5 years or more: at least 60 days' notice, unless the reason is one of a short list of allowed reasons, in which case it's 30 days.
Either way, the insurer must send a written notice that clearly states the specific reasons.
If no one will insure you: the Illinois FAIR Plan
If you can't find coverage from regular insurers, you may be able to buy a policy through the Illinois FAIR Plan Association, a last-resort option.
What changes your price in Illinois
- Where you live. Storm risk, crime, and distance to a fire station.
- Your home's age and rebuild cost.
- Your roof.
- Your claims history.
- Your deductibles and add-ons, like water backup coverage.
Not a quote or an offer. Your price comes from the insurance company.
What to ask before you choose
- "Does this policy include mine subsidence coverage? Am I in one of the required counties?"
- "Is water backup coverage included? What's the limit?"
- "Is there a separate wind and hail deductible?"
- "Is my home covered at replacement cost?" See how much homeowners insurance you need.
- "Do I need flood insurance?"
The catch: mine subsidence damage can crack a foundation and cost far more than the coverage costs. If your agent hands you a waiver to remove it, find out why before you sign.
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Keep reading
Foundation cracks? See foundation repair. Water in the basement? See water damage restoration.
More home insurance guides: Homeowners insurance cost · Condo insurance · Renters insurance · Landlord insurance · Mobile home insurance · Flood insurance · Umbrella insurance · How much homeowners insurance you need · Renters insurance basics · How to get renters insurance · All insurance
More Illinois guides: Illinois car insurance · Chicago car insurance
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