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Insurance agents in Illinois

What the law requires, what the local market looks like, and how to find an independent agent in Illinois who has been reviewed by a person and holds to published practice standards.

The local market

Insurance in Illinois

Illinois requires uninsured motorist coverage to be carried. Southern Illinois falls inside the New Madrid seismic zone, where earthquake is a genuine and separately written exposure. In the Chicago metro, water and sewer backup is the highest-frequency homeowners claim and the sublimit is almost always too low as issued.

Exposure

What drives claims here

These shape pricing, deductible structure and carrier appetite in Illinois. Several are excluded from a standard homeowners policy and have to be written separately.

  • tornado
  • hail
  • flood
  • winter storm
  • earthquake

Recourse

If something goes wrong with an insurer

Complaints about a carrier or an agent go to the Illinois Department of Insurance . It regulates every insurer and producer licensed in the state, and filing a complaint is free.

You can also check whether an agent is properly licensed there before you buy — something worth doing regardless of where you found them.

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Coverage in Illinois

Every line of coverage is regulated at the state level, so what a policy includes — and what it excludes — changes at the state line.

Illinois counties

Rating territories, catastrophe exposure, fire protection class and windstorm zones are all set below the state line, which is why counties matter more than they look like they should. There are 102 in Illinois.

Worth reading before you buy