Secure your home We collaborate with independent agents to offer affordable and high-quality homeowners insurance to ensure you’re protected. Common Illinois homeowners insurance questions Is homeowners insurance required in Illinois? No, the state of Illinois does not require homeowners, condo or renters insurance. However, your mortgage company, Homeowners’ Association or landlord may require insurance as a condition of your loan, association standing or lease. What is the average cost of homeowners insurance in Illinois? The average cost of homeowners insurance will vary by the amount of coverage needed and characteristics of your home, such as the age of the building or if it has custom construction or elaborate design. Grange partners with independent agents to ensure you have the right coverage to fit your budget. An independent agent can suggest and explain coverages that you need. What does homeowners insurance cover? This depends on multiple factors. The best way to ensure you have appropriate coverage is to discuss this with your independent agent. Many ways to save Save money with a variety of discounts. See all discounts A customized policy made for you Learn about coverages most important to you. See all coverages Read reviews from customers in Illinois We are committed to using feedback to improve our customer service. Here’s what some Illinois home insurance customers have to say about Grange. Juliya S. Very fast, knowledgeable and friendly. Great premium. Janice C. Best customer service! Robert A. Compared to other insurance companies, Grange had better prices for the amount of coverage. Customer service is always friendly and professional. Read more customer reviews Why independent agents? They work for you Insurance agents who represent one carrier can only provide the best options from a single insurance provider. Independent agents work for you, finding the best coverage options from multiple carriers. More coverage options Independent insurance agents consider your needs and any unique home features to find the best coverage. They aren’t tied to a specific insurance company, so they provide more options. It's easier to comparison shop Unlike shopping for home insurance online, working with an independent agent makes it easy to compare homeowners policies from multiple carriers. An expert will answer your questions, so you won't have to worry about being on the right track. Coverages described herein may not be available in all states. Please contact a local independent Grange agent for complete details on coverages and discounts. If the policy coverage descriptions herein conflict with the language in the policy, the language in the policy applies. The material provided above is for informational, educational, or suggestion purposes and does not imply coverage. WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL PREMIUM RATE FOR THE INSURANCE HEREIN ADVERTISED. Grange Insurance policies are underwritten by Grange Insurance Company, Trustgard Insurance Company, Grange Indemnity Insurance Company, Grange Insurance Company of Michigan* and Grange Property & Casualty Insurance Company*. *Not licensed in Pennsylvania