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3400 Dundee Road, Suite 255, Northbrook, IL 60062
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3400 Dundee Road, Suite 255, Northbrook, IL 60062
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Northbrook residents.
Northbrook drivers pay $1,900-$2,100/year for full coverage. Learn what affects your North Shore rates and how to save on Cook County premiums.
While specific Northbrook rates vary by home value and coverage, Illinois homeowners now pay an average of $2,942 annually for $350,000 in dwelling coverage as of 2024. Given that Northbrook's median home values range from $569,000 to $875,000, you should expect to pay significantly more than the state average. Major insurers like State Farm and Allstate have implemented rate increases of 27% and 14.3% respectively, so comparing quotes from multiple carriers is essential.
No, standard homeowners insurance policies do not cover flooding from heavy rain, overflowing waterways, or rapid snowmelt. You need separate flood insurance for that protection. However, your homeowners policy should cover water backup from sewers and drains if you've added that endorsement. Given Northbrook's history of flooding issues, especially after the September 2008 storms, both flood insurance and water backup coverage are worth considering.
Illinois now requires homeowners to carry a minimum 1% wind and hail deductible. This means if your home is insured for $700,000, you'll pay the first $7,000 of damage from windstorms or hail out of pocket before your insurance kicks in. This separate deductible applies instead of your standard deductible when wind or hail causes the damage, and it was implemented in response to Illinois's severe storm losses in recent years.
Three main factors are driving the increases: severe weather (Illinois tied Texas for most hailstorms in early 2024 and ranked second nationally for hail damage claims), rising repair costs from post-pandemic supply chain issues and labor shortages, and increased reinsurance costs in the global market. State Farm paid out $1.26 for every dollar collected from Illinois policyholders in 2024, which simply isn't sustainable without rate adjustments.
If you have a mortgage, your lender requires homeowners insurance to protect their investment in your property. Even if you own your home outright with no mortgage, insurance is strongly recommended given Northbrook's severe weather risks and high property values. With median home values between $569,000 and $875,000, going uninsured means risking financial devastation if your home is damaged or destroyed.
Common discounts include bundling home and auto insurance (typically 15-25% savings), installing monitored security or fire alarm systems, having impact-resistant roofing, updating electrical/plumbing/heating systems, maintaining claims-free history, and loyalty discounts for long-term customers. Northbrook's Class 6 flood community rating also provides 10-20% discounts on flood insurance. Ask your insurer specifically what discounts you qualify for, as availability varies by company.
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