Elite Benefits Of America Insurance Services
14815 Kenton Ave, STE 3S, Crestwood, IL 60445
View this agency's profile to learn more about their services.
Loading...
City directory
Crestwood households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
14815 Kenton Ave, STE 3S, Crestwood, IL 60445
View this agency's profile to learn more about their services.
4711 Midlothian Turnpike, Ste. 11, Crestwood, IL 60418
View this agency's profile to learn more about their services.
4711 Midlothian Turnpike, Ste. 11, Crestwood, IL 60418
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Crestwood residents.
Crestwood home insurance costs $2,500-$3,100/year. Learn about tornado coverage, flood insurance, Cook County taxes, and how to save on your premium.
Car InsuranceCrestwood drivers pay $2,532/year on average. Learn Illinois's 25/50/20 requirements, how Cook County location affects rates, and coverage tips.
General Insurance EducationComplete insurance guide for Crestwood, Illinois covering home, auto, flood, and renters insurance costs, requirements, and Cal-Sag Channel flood zones.
Homeowners in Crestwood typically pay between $2,500 and $3,100 per year for home insurance, which is slightly higher than the Illinois state average. Your actual rate depends on your home's age, condition, coverage limits, deductible, credit score, and claims history. Shopping around with multiple insurers can help you find the best rate.
Yes, standard homeowners insurance in Illinois covers tornado damage as part of windstorm coverage. However, many policies include a wind/hail deductible that's a percentage of your home's insured value rather than a flat amount, which can mean higher out-of-pocket costs when you file a claim.
Flood insurance is only required in Crestwood if you're in a high-risk flood zone and have a federally backed mortgage. However, standard homeowners policies don't cover flood damage, so it's worth considering even if not required. Flood insurance in low-to-moderate risk areas often costs less than $500 annually through the National Flood Insurance Program.
Replacement cost coverage pays what it costs to replace or repair your damaged property today, without deducting for depreciation. Actual cash value coverage deducts depreciation, meaning you'll receive less money and have to pay the difference out of pocket. Replacement cost coverage costs more but provides better protection.
You can lower your premium by bundling home and auto insurance, raising your deductible, installing security systems or smoke detectors, maintaining a claim-free record, improving your credit score, and shopping around with multiple insurers. Ask about all available discounts when getting quotes.
Cook County property taxes averaged a 16% increase in 2025—the highest in Illinois history—making Illinois the state with the nation's highest property taxes. This means Crestwood homeowners must budget for both rising insurance costs and high property taxes when calculating total housing expenses. Look into available exemptions like the Senior Citizen Homestead Exemption to reduce your tax burden.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network