Advance Insurance Consultants, Inc.
1783 South Washington Street, Suite 101B, Naperville, IL 60565
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Naperville households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1783 South Washington Street, Suite 101B, Naperville, IL 60565
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1754 N Washington St, Ste 112, Naperville, IL 60563
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4239 Honey Locust Dr, Naperville, IL 60540
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1755 Park St, Suite 200, Naperville, IL 60563
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710 E Ogden Ave, Ste 500A, Naperville, IL 60563
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Learn about insurance coverage options specific to Naperville residents.
Complete guide to insurance in Naperville, Illinois. Learn about auto and home coverage, tornado risks, flood insurance, and local agents in DuPage County.
Home InsuranceProtect your Naperville home from DuPage River flooding and tornado damage. Learn about coverage needs for properties valued $525K-$665K in 2025.
Car InsuranceNaperville auto insurance averages $114/month. Learn about Illinois's 25/50/20 minimums, I-88 corridor risks, and how to get the best coverage for less.
Illinois requires all drivers to carry at least 25/50/20 liability coverage: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 for property damage. You also need uninsured motorist coverage with 25/50 limits. However, these minimums often aren't enough to cover serious accidents, so most experts recommend higher limits like 100/300/100.
Homeowners insurance in Naperville averages between $1,800 and $2,700 per year depending on your home's value, age, and coverage limits. Allstate typically offers the lowest rates at around $1,800 annually. For a $300,000 home with $100,000 liability and a $1,000 deductible, expect to pay around $2,700 per year.
Yes, standard homeowners insurance policies cover tornado damage under wind or storm damage provisions. You don't need a separate tornado policy. However, many policies include percentage-based wind/hail deductibles, which means you could pay thousands out of pocket before coverage kicks in. Review your deductible carefully to understand your potential costs.
Standard homeowners insurance does not cover flood damage, so if you live near the DuPage River, the Riverwalk, or other waterways, flood insurance is worth considering. About 25% of flood claims come from properties outside high-risk zones. DuPage County participates in the National Flood Insurance Program, and policies can be purchased through local agents starting at a few hundred dollars per year.
The best way to find competitive rates is to get quotes from multiple carriers through local insurance agents. Naperville has six local agencies that can shop around on your behalf. Ask about bundling discounts if you insure your home and auto together, which can save 10-25% annually. Compare coverage limits and deductibles, not just premiums, to ensure you're adequately protected.
If your claim is denied or the settlement seems too low, don't accept it without question. Get independent estimates from contractors, document all damage with photos, and keep detailed records. Some Naperville residents faced lowball offers after the 2021 tornado. Consider hiring a public adjuster to advocate for you, or consult an attorney if necessary. You have rights as a policyholder.
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