Business Owners Policy (BOP) Insurance Agencies in Illinois

Illinois at a glance

• 315business owners policy (bop) insurance agencies listed
• 32.9%of households rentRenters insurance
• $263,300median home valueHome insurance
• 1971median year homes were builtRebuild cost calculator
• 11%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across Illinois

How many of Illinois’s 102 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

• Strong wind33 of 102 counties

  Very High in Cook County, DuPage County, Williamson County and 2 more.

  Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.

  Home insurance in Illinois
• Winter weather15 of 102 counties

  Very High in Cook County.

• Tornado14 of 102 counties

  Very High in Cook County, DuPage County, Will County and 1 more.

  Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.

  Home insurance in Illinois
• Lightning12 of 102 counties

  Very High in Cook County.

  Fire and lightning are standard covered causes of loss on home policies.

  Home insurance in Illinois
• Inland flooding7 of 102 counties

  Very High in Cook County.

  Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

  Flood insurance in every state
• Hail7 of 102 counties

  Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.

  Home insurance in Illinois

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in Illinois

Illinois requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $20,000 of property damage liability, often written 25/50/20. It also requires uninsured motorist coverage ($25,000 per person, $50,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in IllinoisHow much liability cover do you need?

Source: idoi.illinois.gov. Checked 2026-10-24.