Chicago has 2,711,226 residents in 1,160,205 households. We list 20 agencies for vacant land insurance in Chicago. Here is what the local numbers say about the cover people here need.

Chicago at a glance

20vacant land insurance agencies listed
54%of households rentRenters insurance
$334,100median home valueHome insurance
1953median year homes were builtRebuild cost calculator
26.6%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 in Cook County

FEMA rates the overall natural hazard risk in Cook County, where most Chicago agencies we list are located, as Very High compared with other U.S. counties. The hazards it rates highest:

TornadoVery High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Chicago
Winter weatherVery High
Inland floodingVery High
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
Strong windVery High
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 Chicago
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Chicago

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

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 Chicago How much liability cover do you need?

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

Insurance companies Chicago agencies work with

Of the 20 Chicago agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Travelers16 agencies
American Modern15 agencies
Liberty Mutual15 agencies
Liberty Mutual (Safeco)15 agencies
Safeco15 agencies
Nationwide13 agencies
Travelers (Standard Fire)13 agencies
Nationwide (Allied)12 agencies
Foremost11 agencies
Nationwide (Colonial)11 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Chicago agencies are

Chicago agencies we list sit in 9 ZIP codes, mostly in Cook County.

606067 agencies
606015 agencies
606542 agencies
606071 agency
606131 agency
606161 agency
606181 agency
606301 agency
606341 agency

Questions

Vacant Land insurance in Chicago

All insurance agencies in Chicago · Vacant Land insurance across Illinois

Where can I find vacant land insurance in Chicago?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does vacant land insurance cover?

Liability cover for land you own but have not built on.

Which insurance companies do Chicago agencies work with?

Among the 20 Chicago agencies whose appointments we hold, the companies they are most often appointed with are Travelers (16), American Modern (15), Liberty Mutual (15), Liberty Mutual (Safeco) (15), Safeco (15). An appointed agency can quote that company's policies.

Do I need flood insurance in Chicago?

FEMA's National Risk Index rates inland flooding risk in Cook County as Very High compared with other U.S. counties. 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.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Vacant Land insurance near Chicago

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