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Best Renters Insurance in Chicago, IL

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      Chicago’s high property crime rates make renters insurance a must for tenants. Fires spread quickly between apartments and can damage your belongings as well. A good insurance provider protects you financially and helps you find the right amount of coverage. We’ve created a list of best renters insurance companies in Chicago.

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      Top 10 Chicago Renters Insurance Companies

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        chicago skyline

        Chicago is safer than only 8% of cities in the U.S. The city’s residents have a 1 in 30 chance of being the victim of a property crime, which is almost twice the state average. If your home or car is broken into, renters insurance provides the cash to replace stolen or damaged items.

        The city's brutally cold and windy winters also create a risk of frozen or burst pipes. If you’re living in an apartment, water from broken pipes can damage your possessions. For a nominal monthly fee, renters insurance reimburses your loss of property up to the policy's coverage limit.

        Average cost of renters insurance in Chicago

        The cost of renters insurance varies, but Chicago residents can expect to pay an average of $268 per year for $30,000 in personal property coverage, with the price ranging from $200 to $340 or more each year. These rates are 26% higher than the state average and make Chicago the least affordable city in Illinois for renters insurance, primarily because of its higher crime rates.

        Factors like deductible amounts, coverage limits, location, type of residence and your credit score influence the final cost of your renters insurance policy. In a more dangerous neighborhood like South Deering, a $40,000 plan with a $1,000 deductible costs an average of $461. Renters insurance in North Ozanam Avenue/North Avondale Avenue costs an average of $364 for the same limits.

        Chicago residents who own high-value belongings or want more coverage for items should expect to pay more per month.

        How to choose a renters insurance company in Chicago

        It’s crucial to consider a company’s overall responsiveness and customer satisfaction rating when choosing a renters insurance company in Chicago. If you’re dealing with an emergency, the last thing you want is to have problems filing a claim. Other details to look at include:

        • The company’s website interface
        • Whether the company has a mobile app availability
        • Supplemental policies and extended coverage options, including off-premises coverage and add-on coverage
        • Discounts

        For accurate quotes across agencies, keep coverage limits, deductibles and liability amounts the same. Many companies offer calculators to help you decide how much coverage you need to sufficiently protect you.

        Once you've narrowed down your list of insurance providers, read online reviews to get a better sense of each business. Ask an agent about what the policy covers and how to file a claim — understanding how the companies handle claims and payouts helps you find the one with the best customer service.

        Is renters insurance required in Chicago?

        Neither Chicago nor the state of Illinois requires renters insurance, but it’s legal for your landlord to request it as a condition of a lease. Even if you're not obligated to have a policy, renters insurance is valuable in Chicago because of soaring property crime rates and the potential of weather-related disasters.

        Your renters rights in Chicago

        Chicago residents who want to know more about their renters rights and resources can find information on the following websites:

        Not sure how to choose?

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          Chicago renters insurance company information

          United Auto Insurance Chicago Renters Insurance

          United Auto Insurance customizes your renters insurance policy to suit your needs and budget. The company’s robust website lets you get a quote and print your new insurance in English and Spanish. United Auto Insurance’s facility also has an on-site payment center with drive-thru service.

          • Address: 3201 N. Harlem Ave., Chicago, IL 60634
          • Phone: (773) 202-5000
          • Hours: M - F: 8am - 9pm; Sat: 8am - 5pm
          • Website: unitedautoinsurance.com
          Allstate Renters Insurance Chicago

          Joe Schneider is a local Allstate agent who sells renters insurance policies backed by Allstate’s commitment to customer satisfaction. Schneider’s agency donates $10 to those in need for every referral. Representatives who speak English, Romanian, Russian, Spanish and Lithuanian are available. Customers can take advantage of multi-policy, senior and claim-free discounts.

          • Address: 521 W. North Ave., Chicago, IL 60610
          • Phone: (312) 787-0221
          • Hours: M - W: 9am - 6:30pm; Th: 9am - 6pm; Fri: 9am - 5pm; Sat: 9am - 12:30pm
          • Website: agents.allstate.com/joe-schneider-chicago-il.html
          Urban Insurance Agency

          Urban Insurance Agency has grown into one of the largest insurance agencies in the city. The company offers comprehensive renters insurance policies to protect you against fires, burst pipes, fraud and more. It also gives $15 to existing customers who refer a friend to Urban Insurance Agency. Unlike some insurance brokers or lead-generation sites, the company never sells your information.

          • Address: 800 W. Huron St., Ste. 301, Chicago, IL 60642
          • Phone: (312) 664-8088
          • Hours: M - Sat: 9am - 6pm
          • Website: urbaninsuranceagency.com/homeowners-insurance
          Acceptance Insurance Chicago

          Acceptance Insurance strives to offer affordable insurance. The company’s local agents help customers decide which policy is best for their needs and offers add-ons such as identity restoration coverage. Acceptance Insurance’s agents are quick to handle claims, and you can start the filing process from its website.

          • Address: 3048 S. Halsted St., Chicago, IL 60608
          • Phone: (312) 842-1000
          • Hours: M - F: 9am - 6pm; Sat: 10am - 5pm
          • Website: acceptanceinsurance.com/il/chicago/3048-s-halsted
          Abe GT & Associates, Inc.

          Abe GT & Associates is dedicated to helping Chicago residents find the best renters insurance policy to secure their belongings. The company works almost exclusively with Nationwide Insurance, but it does offer some products from Travelers and Atlantic Specialty Lines. Its representatives work one-on-one with customers until they get their renters policy just right. The goal of Abe GT & Associates is to create a lasting relationship with its clients.

          • Address: 1024 W. Fry St., Ste. 102, Chicago, IL 60642
          • Phone: (312) 738-1384
          • Hours: M - F: 9am - 6pm
          • Website: abegtinsurance.com
          Insurance Navy

          Insurance Navy has Illinois-based agents who speak English, Spanish, Arabic and Polish. The company offers free renters insurance quotes from multiple national insurance carriers. Visit its website, stop by its local office or download its app to request a quote or file a claim.

          • Address: 2418 N. Cicero Ave., Chicago, IL 60639; multiple locations
          • Phone: (773) 478-3700
          • Hours: Call for hours
          • Website: insurancenavy.com/insurance-services-illinois/renters-insurance
          State Farm Renters Insurance Chicago

          You can save money with State Farm by combining auto and renters insurance, having home security alert devices or opting for higher deductibles. As a customer, you have access to community offers for electronics, dining, fitness and more. English-, French- and Chinese-speaking representatives are available at the company’s Washington Street office.

          • Address: 25 E. Washington St., Ste. 1100, Chicago, IL 60602
          • Phone: (312) 236-5222
          • Hours: M - F: 8am - 4:30pm
          • Website: janicenazar.com

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