Insurance Agents Co-Operative, Inc
1440 Maple Ave, Ste 6B, Lisle, IL 60532
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1440 Maple Ave, Ste 6B, Lisle, IL 60532
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4699 Auvergne Ave, Ste 14, Lisle, IL 60532
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3333 Warrenville Rd, Suite 200, Lisle, IL 60532
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Learn about insurance coverage options specific to Lisle residents.
Lisle home insurance guide covering 2025-2026 rates, DuPage River flood risk, tornado protection, and coverage gaps. Get the protection your home needs.
Car InsuranceLearn about Lisle auto insurance requirements, average costs in DuPage County, and how Illinois' at-fault system affects I-88 corridor drivers. Get the coverage you need.
While you may not be required to carry flood insurance, it's still worth considering. About 25% of flood insurance claims come from moderate-to-low risk areas. Lisle can experience flooding when storm sewers are overwhelmed during heavy rainfall, even outside mapped floodplains. Flood insurance is relatively affordable outside high-risk zones, often costing just a few hundred dollars annually. Given Lisle's history of basement flooding near the DuPage River, many homeowners find the peace of mind worth the cost.
Illinois homeowners are experiencing significant rate increases due to severe weather events and rising repair costs. Rates have jumped 50% since 2021 statewide. Major insurers like Allstate implemented 8.8% average increases in 2026, while State Farm raised rates 27.2% in 2025. Insurance companies cite more frequent severe storms, tornado damage, flooding events, and inflation-driven construction costs as primary factors. Lisle sits in DuPage County, which has experienced multiple severe weather events requiring substantial insurance payouts.
Yes, wind and hail damage from tornadoes is covered under standard homeowners insurance policies. Your dwelling coverage protects your home's structure, while personal property coverage handles damaged belongings inside. However, pay attention to your wind and hail deductible, which is often percentage-based (1-2% of dwelling coverage) rather than a flat amount. On a $400,000 home, a 2% deductible means you pay the first $8,000 out of pocket. Review your deductible structure to ensure you can afford it during severe weather season.
Water backup coverage protects against damage when water backs up through drains, toilets, or sump pumps—typically during heavy rainfall when municipal sewer systems are overwhelmed. This is not covered by standard homeowners policies or flood insurance. Given that Lisle experiences torrential rainfall exceeding 2 inches per hour during severe storms, basement flooding from backed-up sewers is a real risk. Water backup coverage is an inexpensive endorsement, usually costing $40-$150 annually, but can save you thousands in cleanup and repair costs.
Your dwelling coverage should reflect the cost to completely rebuild your home at current construction prices, not your home's market value. With Lisle's median home value reaching $399,063 in 2025 and construction costs rising rapidly, you need regular coverage reviews. Ask your insurance agent for a replacement cost estimate based on current per-square-foot construction costs in DuPage County. For established homes in mature Lisle neighborhoods, consider higher ordinance or law coverage since renovations must meet current building codes, which may differ significantly from when your home was built.
Coverage depends on what the tree damages. If a tree falls on your home, garage, or other covered structures during a storm, your dwelling coverage typically pays for repairs and tree removal. However, if a tree falls on your lawn without damaging structures, most policies won't cover removal costs. Given Lisle's mature tree canopy and proximity to Morton Arboretum, review your policy's debris removal limits carefully. Standard limits of $500-$1,000 won't cover removing large, mature trees, so you may need higher limits or separate tree removal coverage.
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