American Energy Insurance
880 Lee St, Des Plaines, IL 60016
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880 Lee St, Des Plaines, IL 60016
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454 E. Northwest Hwy, Des Plaines, IL 60016
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1111 E Touhy Ave, #235, Des Plaines, IL 60018
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2800 S River Rd, Suite 500, Des Plaines, IL 60018
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1111 E Touhy Ave, #235, Des Plaines, IL 60018
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960 Rand Rd, Suite 102, Des Plaines, IL 60016
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2340 S River Road, Suite 112, Des Plaines, IL 60018
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Learn about insurance coverage options specific to Des Plaines residents.
Des Plaines home insurance guide: flood risk from the Des Plaines River, winter weather coverage, and why Illinois rates jumped 50% in 2024.
General Insurance EducationComplete insurance guide for Des Plaines residents. Learn about Illinois auto requirements, rising home rates, flood zones near O'Hare, and money-saving tips.
Car InsuranceDes Plaines auto insurance averages $1,692/year. Learn about Illinois's at-fault system, 25/50/20 minimums, and how I-90 traffic affects your rates.
If you're near the Des Plaines River or in a FEMA-designated flood zone, absolutely—and your mortgage lender will likely require it. Even outside mapped flood zones, Des Plaines has significant flood history with some homes flooded eight or nine times since the 1980s. Standard home insurance doesn't cover flooding, so a separate policy through NFIP or a private insurer is the only way to protect yourself. Policies outside high-risk zones can be surprisingly affordable.
Illinois homeowners saw a 50% rate increase between 2021 and 2024, one of the highest in the nation. Severe weather is the main culprit—over 100 tornadoes hit Illinois in 2024, plus $638 million in hail damage claims. Insurers are losing money (State Farm paid out $1.26 for every dollar collected in 2024), and inflation has driven up repair and replacement costs. Shopping around and raising your deductible can help offset some of the increases.
Yes, most policies cover sudden water damage from burst frozen pipes—but only if you maintained your home properly. If you left the heat off during a cold snap or didn't insulate exposed pipes, insurers may deny the claim. Keep your heat at 55 degrees minimum when away, insulate pipes in unheated areas, and consider draining your system if you'll be gone during winter.
Your dwelling coverage should reflect the cost to rebuild your home from the ground up, not its market value. With median Des Plaines home prices at $315,000 and rising, and construction costs inflated, many homeowners are underinsured. Get a replacement cost estimate from your insurer and consider extended or guaranteed replacement cost endorsements to protect yourself if rebuilding exceeds your coverage limit.
Yes, most homeowners policies cover roof damage from heavy snow and ice dams that force water under your shingles. However, insurers expect you to maintain your home properly—adequate attic insulation and ventilation prevent ice dams. Older roofs in poor condition may result in denied claims or reduced payouts, so keeping your roof in good repair helps ensure coverage when you need it.
If you have significant assets or want extra liability protection, yes. Standard home policies include $100,000 to $300,000 in liability coverage, which may not be enough if someone is seriously injured on your property and sues. Umbrella policies provide $1 million or more in additional coverage for only $150-300 per year—remarkably affordable protection for your financial security.
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