Insurance NOW Company Joliet
691 Collins St, Joliet, IL 60431
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691 Collins St, Joliet, IL 60431
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113 Republic Avenue, Joliet, IL 60435
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288 Barney Dr, Joliet, IL 60435
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815 Sherwood Pl, Joliet, IL 60435
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819 W Jefferson St, Joliet, IL 60435
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Learn about insurance coverage options specific to Joliet residents.
Joliet homeowners pay $240/mo for insurance. Learn about tornado coverage, Des Plaines River flood risk, and why standard policies don't cover flooding.
Car InsuranceJoliet drivers pay $85-$148/month for car insurance. Learn about Illinois's 25/50/20 requirements, I-80/I-55 risks, and how to get the best rates.
Yes, standard home insurance policies in Joliet cover tornado damage, including damage to your home's structure, roof, siding, and personal property. You don't need to purchase separate tornado coverage. However, make sure your dwelling coverage limit is high enough to fully rebuild your home at today's construction costs, especially since Joliet home values have increased significantly in recent years.
If your home is in the 100-year floodplain near the Des Plaines River, your mortgage lender will require you to purchase flood insurance. Even if you're not in a high-risk zone, consider buying it anyway—nearly 25% of flood claims come from low-to-moderate risk areas, and floods account for over 90% of Illinois disasters. Flood insurance averages $1,039 per year in Illinois and has a 30-day waiting period before coverage begins.
As of 2025, Joliet homeowners pay around $240 per month ($2,880 annually) for home insurance. However, rates have jumped 50% since 2021, with major carriers like Allstate implementing increases of 8.8% starting February 2026. Your specific rate depends on your home's age, location, coverage limits, claims history, and credit score.
Illinois insurance rates are climbing because tornadoes, wind, and hail account for 93% of catastrophic losses in the state. Illinois averages 54 tornadoes per year and led the nation in tornado counts in 2023. Insurance companies have paid out massive claims in recent years and are adjusting rates to cover those losses. Will County experienced multiple severe weather events in 2025 alone, driving continued rate increases.
Market value is what a buyer would pay for your home in today's real estate market (median $306,000 in Joliet as of late 2025). Replacement cost is what it would actually cost to rebuild your home from scratch at current labor and material prices. You need to insure your home for replacement cost, not market value, because construction costs can be higher than sale prices, especially for older homes with unique features.
Yes, especially if you have a basement. Sump pump backup coverage costs around $50-100 per year and covers water damage when your sump pump fails or gets overwhelmed during heavy rainfall. This isn't the same as flood insurance—it covers mechanical failure and drainage issues. Given Joliet's proximity to the Des Plaines River and history of heavy rainfall events, this endorsement is worth having.
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