Dovbenko Agency
855 E Golf Rd, ste 1123, Arlington Heights, IL 60005
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855 E Golf Rd, ste 1123, Arlington Heights, IL 60005
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3400 W Stonegate Blvd, Arlington Heights, IL 60005
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2490 E Oakton St, Arlington Heights, IL 60005
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3400 W Stonegate Blvd, Arlington Heights, IL 60005
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3135 N Wilke Rd, Ste A, Arlington Heights, IL 60004
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54 W Seegers Rd, Arlington Heights, IL 60005
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302 W Campbell St, Arlington Heights, IL 60005
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770 W Dundee Rd, Arlington Heights, IL 60004
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Learn about insurance coverage options specific to Arlington Heights residents.
Arlington Heights home insurance averages $3,114/year. Learn about winter risks, ice dam coverage, flood zones, and ways to save on your Illinois premium.
Car InsuranceArlington Heights auto insurance guide: Illinois 25/50/20 minimums, at-fault rules, I-90 commuter coverage, and rates averaging $1,398/year.
General Insurance EducationArlington Heights insurance costs, requirements, and tips. Auto rates average $1,484/yr, home insurance jumped 50% since 2021. Get quotes today.
Illinois has experienced some of the steepest rate increases in the nation, with premiums jumping 50% between 2021 and 2024. The primary driver is catastrophic weather losses—wind, hail, and tornado damage accounted for 79% of major insurer losses in Illinois. While Arlington Heights itself is relatively stable, statewide losses affect everyone's rates. Major carriers like Allstate and State Farm have filed for rate increases exceeding 12-14% to cover these mounting losses.
Probably not. Arlington Heights has a FEMA flood zone classification of X, meaning it's outside the 100-year floodplain and considered low risk. Flood insurance isn't mandatory unless your specific lender requires it. However, standard homeowners policies exclude flood damage entirely, so if you live near Salt Creek or in a low-lying area, a separate flood policy might be worth considering—especially since it's relatively inexpensive in low-risk zones.
You need enough to cover your home's replacement cost, which might differ from its market value. In Arlington Heights, land comprises a significant portion of your home's $450,000 price. Focus on what it would cost to rebuild the structure from scratch using current construction costs, which might be $350,000-$400,000 or more depending on your home's size and features. Your insurer can help calculate this, and you should add enough personal property coverage (typically 50-70% of dwelling coverage) plus at least $300,000-$500,000 in liability protection.
Yes, standard HO-3 homeowners policies typically cover sudden and accidental damage from ice dams, including water damage to your ceilings, walls, and belongings. However, insurers may deny claims if they determine you failed to maintain your property or take reasonable winterization steps. This means keeping your gutters clear, managing roof snow loads, and maintaining adequate home heating to prevent ice dam formation in the first place.
Shop around every 2-3 years—rate differences between insurers can exceed $500 annually for identical coverage. Bundle your home and auto policies for 15-25% discounts, increase your deductible to $1,000 or higher if you can afford it, and improve your credit score since Illinois insurers use credit-based pricing. Installing a monitored security system, upgrading old plumbing and electrical systems, and maintaining a claims-free record all trigger additional discounts that can significantly reduce your premiums.
Generally yes. Arlington Heights has many well-established neighborhoods with homes built in the 1960s-1980s, and older homes typically cost more to insure due to outdated electrical systems, plumbing, roofing, and heating systems. However, you can reduce premiums by updating these systems—replacing old wiring, upgrading plumbing, installing a new roof, or updating your HVAC can qualify you for discounts and reduce your baseline risk profile that insurers use to calculate rates.
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