Corporate Risk Management
350 E Ogden Ave, # 300, Westmont, IL 60559
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350 E Ogden Ave, # 300, Westmont, IL 60559
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350 E Ogden Ave, Westmont, IL 60559
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850 N Cass Ave, Ste 200, Westmont, IL 60559
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850 N Cass Avenue, Westmont, IL 60559
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Learn about insurance coverage options specific to Westmont residents.
Westmont home insurance costs $2,200-$3,100/year. DuPage County ranks 10th for tornado risk. Get coverage tips, rate factors, and quotes for 2026.
Car InsuranceCompare auto insurance rates in Westmont, Illinois. Learn about IL's 25/50/20 requirements, at-fault laws, and how DuPage County location affects your rates.
General Insurance EducationComplete insurance guide for Westmont, Illinois residents. Learn about auto requirements, rising home insurance costs, flood coverage, and how to protect your assets in DuPage County.
Yes, standard homeowners insurance policies (HO-3) cover tornado damage through wind and hail coverage. This includes damage to your dwelling, other structures, and personal property. However, you'll typically have a separate windstorm deductible that's calculated as a percentage of your dwelling coverage (usually 1-5%), which can be significantly higher than your standard policy deductible.
Illinois home insurance averages $2,200 to $3,100 annually, but your actual cost depends on your home's value, age, construction type, claims history, and credit score. With Westmont's median home value around $348,000 and DuPage County's high tornado risk ranking, expect quotes to vary significantly between insurers—making comparison shopping essential.
Illinois experienced 146 tornadoes in 2025—nearly triple the annual average—along with increased severe weather events and higher construction costs. Major insurers like Allstate announced rate increases of 4.9% to 10.4% taking effect in 2026 to account for elevated claim costs. DuPage County's tenth-place national ranking for tornado damage risk contributes to these regional rate adjustments.
Replacement cost coverage pays to rebuild your home at current construction costs without deducting for depreciation, while actual cash value subtracts depreciation from claim payouts. For example, if your 15-year-old roof is damaged, replacement cost covers a new roof entirely, but actual cash value might only pay 40-60% of replacement costs. Replacement cost coverage costs roughly 10% more but prevents significant out-of-pocket expenses after major damage.
Standard homeowners insurance doesn't cover flooding from rising water, only wind-driven rain damage. If your Westmont property is in a FEMA-designated flood zone or near waterways, lenders may require flood insurance. Even if not required, consider it if you're in a low-lying area or have a finished basement, as water backup coverage (which you should have) only covers sewer/drain backup, not external flooding.
Shop multiple carriers (rates can vary 40% for identical coverage), bundle home and auto insurance for 15-25% discounts, increase your standard deductible to $2,500 or higher, install a monitored security system, update your roof and major systems, maintain good credit, and avoid filing small claims. Documenting home improvements and asking insurers about available discounts can save hundreds annually.
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