How to think about home insurance in Illinois: what to buy and why (2026)

For Illinois homeowners, the question is replacement cost, not market value. Construction costs are up materially since 2020. A home insured for its 2020 dwelling value can be 25-35% underinsured against current rebuild cost.

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How to think about this

Replacement cost = current cost to rebuild your specific home with current materials + labor. Some carriers offer guaranteed-replacement-cost coverage (Chubb, PURE, USAA for members); most cap at policy limit, which means underinsurance shows up at exactly the moment you can’t afford it.

When the recommendation changes

Methodology: /methodology/rate-authority/

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