George Thompson Insurance Agency, INC.
1307 N. Riverside Dr, McHenry, IL 60050
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1307 N. Riverside Dr, McHenry, IL 60050
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4318-D Crystal Lake Rd, McHenry, IL 60050
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4318 Crystal Lake Rd, Suite D, McHenry, IL 60050
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Learn about insurance coverage options specific to Mchenry residents.
McHenry, IL home insurance averages $2,225/year. Learn about flood risk near the Fox River, severe weather coverage, and ways to save on premiums.
Complete insurance guide for McHenry residents. Learn Illinois auto requirements, flood insurance near Chain O'Lakes, and how to save on coverage.
Car InsuranceMcHenry drivers need 25/50/20 liability plus mandatory uninsured motorist coverage. Learn Illinois requirements, average costs, and smart coverage options.
No, standard homeowners insurance policies exclude flood damage. If the Fox River or Chain O'Lakes flooding damages your home, you need a separate flood insurance policy through the National Flood Insurance Program. McHenry County participates in NFIP, and residents may qualify for up to 15% discounts with a 30-day waiting period before coverage begins.
Illinois home insurance rates jumped 50% between 2021 and 2024 primarily due to severe weather. Illinois had more hail damage claims than any state except Texas in 2024, and insurers paid out $1.26 for every dollar collected in premiums. Major carriers like State Farm (27% increase) and Allstate (8.8% increase) have raised rates significantly to cover these weather-related losses.
McHenry homeowners pay approximately $2,225-$2,402 annually for home insurance with $300,000 in dwelling coverage, which breaks down to roughly $185-$200 per month. Your actual rate depends on your home's age, construction type, proximity to water, deductible amount, and the specific coverage limits you choose.
Even in moderate-risk zones like much of McHenry, flood insurance is worth considering if you're near the Fox River or Chain O'Lakes. The Fox River has flooded repeatedly throughout history, including major events in 1986, 1987, and 1996. Moderate risk means you're outside the 100-year floodplain but still vulnerable to 500-year flood events.
Your standard homeowners policy covers damage from hail, wind, and tornadoes—the primary severe weather risks in Illinois. However, pay attention to your wind/hail deductible, which is often 1-2% of dwelling coverage rather than your standard deductible. Also ensure you have replacement cost coverage rather than actual cash value to get full reimbursement for damaged roofs and siding.
Bundle your home and auto insurance for 15-25% discounts, install protective devices like security systems and impact-resistant roofing, and consider raising your deductible if you have adequate emergency savings. Shopping multiple insurers every few years ensures you're getting competitive rates, especially important given how dramatically Illinois rates have been changing.
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