How to think about renters insurance in Illinois: what to buy and why

Updated May 21, 2026 — PolicyChat refreshes this page when new state DOI filings post.

For most Illinois renters, $30K personal property + $100K liability is enough. Lemonade typically files lowest at $12-18/mo; the bundled-with-auto play is the next consideration if you have an auto policy with State Farm or Allstate.

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How PolicyChat sources this data

Public DOI filings + NAIC published averages + licensed partner feeds. Per-record provenance. Methodology: /methodology/rate-authority/

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