9 AN Insurance Agency
250 Parkway Dr. Suite 150-6, Lincolnshire, IL 60069
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250 Parkway Dr. Suite 150-6, Lincolnshire, IL 60069
View this agency's profile to learn more about their services.
250 Parkway Drive, Ste 150, Lincolnshire, IL 60069
View this agency's profile to learn more about their services.
250 Parkway Dr., Suite 150, Lincolnshire, IL 60069
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Lincolnshire residents.
Lincolnshire, IL home insurance averages $2,225-$3,114/year. Learn how severe weather drives rates, what policies cover, and strategies to lower premiums.
Complete insurance guide for Lincolnshire residents covering Illinois requirements, flood risks in Lake County, and protecting high-value homes.
Illinois home insurance rates have jumped 50% since 2021 due to severe weather losses—the state recorded 146 tornadoes in 2025 alone, and insurers paid out $1.26 for every $1 collected in premiums in 2024. Lincolnshire homeowners face higher premiums because of above-average property values (median $652,242) requiring more dwelling coverage. Major insurers like Allstate are implementing 8.8-14.3% rate increases in 2026 to offset ongoing storm damage claims.
Yes, standard Illinois homeowners policies (HO-3) cover wind and hail damage from tornadoes and severe storms. If a tornado tears off your roof or hail damages your siding, your policy covers repairs after you pay your deductible. However, flood damage from heavy rain is excluded—you need separate flood insurance through NFIP or a private carrier for that coverage.
You need dwelling coverage equal to your home's replacement cost—what it would cost to rebuild from scratch, not its market value. With Lincolnshire's median home value at $652,242, most homeowners need $500,000-$700,000+ in dwelling coverage depending on home size, construction quality, and current material costs. Never rely on the state average of $300,000 if your home is worth significantly more.
Shop around and compare quotes from at least three insurers—price differences can exceed $1,000 annually. Bundle your auto and home policies for 15-25% discounts, raise your deductible to $2,500 if you have emergency savings, and invest in protective upgrades like impact-resistant roofing for 5-15% discounts. Improving your credit score over time also reduces premiums significantly.
It depends on your location and flood risk. Standard home insurance excludes flood damage, even from severe thunderstorms. If you're near waterways, in low-lying areas, or in designated flood zones, separate flood insurance is essential. Even outside flood zones, consider coverage if your area experiences heavy rain flooding—Lake County has seen severe thunderstorms dump significant rainfall that causes basement flooding.
Review your policy annually, especially before renewal. Check that dwelling coverage still matches current replacement costs (construction costs rise yearly), verify your deductible aligns with your savings, and shop for competing quotes since insurers adjust rates constantly. Also review after major home improvements, renovations, or changes in your financial situation to ensure adequate coverage.
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