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Directory · Illinois · Homeowners

Who writes homeowners in Illinois

Ranked by direct premium written in 2025 from the Illinois market share report (every company, not a top-N list).

183 companies wrote homeowners in Illinois in 2025, $6.94B in direct premium. State Farm Fire and Casualty Company led with 33.6%; the top five hold 55%. 287 companies are licensed for the line.

By Sam Alishahi, independent insurance broker · All lines in Illinois

Top 10 · NAIC table: 04 - Homeowners Multiple Peril

The insurer groups that write the most homeowners in Illinois

Top 10 insurer groups by direct premium written in 2025, from the NAIC's Market Share Reports for Property/Casualty Groups and Companies by State. A group is the parent and its insurance companies together; share is the group's part of the state total for the line; loss ratio is losses incurred over premium earned.

#Insurer groupPremium writtenShareLoss ratioMember companies here
1State Farm Group$2.34B33.68%77%State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
2Allstate Insurance Group$990.1M14.27%58%Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
3Country Insurance & Financial Serv Group$540.5M7.79%58%Country Preferred Insurance Company, COUNTRY Mutual Insurance Company, Country Casualty Insurance Company
4American Family Insurance Group$442.2M6.37%33%American Family Mutual Insurance Company, S.I., American Family Connect Property and Casualty Insurance Company, Homesite Insurance Company, American Family Insurance Company
5Farmers Insurance Group$341.2M4.92%46%Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association
6Travelers Group$315.6M4.55%47%Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
7Liberty Mutual Group$287.8M4.15%39%Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
8United Serv Automobile Assn Group$225.2M3.25%84%United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
9Erie Insurance Group$190.3M2.74%92%Erie Insurance Exchange, Erie Insurance Company, Flagship City Insurance Company, Erie Insurance Company of New York
10Auto Owners Group$173.6M2.50%41%Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
Homeowners · Illinois

The companies

#CompanyNAICHome stateStatus herePremiumShare
1State Farm Fire and Casualty Company25143ILAdmitted (licensed)$2.34B33.65%
2Country Preferred Insurance Company21008ILAdmitted (licensed)$543.9M7.83%
3Allstate Vehicle and Property Insurance Company37907ILAdmitted (licensed)$492.6M7.09%
4TravCo Insurance Company28188CTAdmitted (licensed)$253.5M3.65%
5Erie Insurance Company26263PAAdmitted (licensed)$176.6M2.54%
6Homesite Insurance Company of Florida11156ILAdmitted (licensed)$173.2M2.49%
7Auto-Owners Insurance Company18988MIAdmitted (licensed)$173.1M2.49%
8Allstate North American Insurance Company11110ILAdmitted (licensed)$171.2M2.47%
9American Family Mutual Insurance Company, S.I.19275WIAdmitted (licensed)$127.7M1.84%
10American Family Insurance Company10386WIAdmitted (licensed)$125.3M1.80%
11Insurance Company of Illinois26700ILAdmitted (licensed)$117.0M1.68%
12Farmers Insurance Exchange21652CAAdmitted (licensed)$111.5M1.61%
13Auto Club Insurance Association21202MIAdmitted (licensed)$107.7M1.55%
14Allstate Indemnity Company19240ILAdmitted (licensed)$96.7M1.39%
15Allstate Insurance Company19232ILAdmitted (licensed)$92.9M1.34%
16Farmers New Century Insurance Company10806ILAdmitted (licensed)$77.8M1.12%
17Encompass Insurance Company10358ILAdmitted (licensed)$77.2M1.11%
18United Services Automobile Association, USAA Reciprocal, Attorney-in-fact25941TXAdmitted (licensed)$75.1M1.08%
19Cincinnati Casualty Company (The)28665OHAdmitted (licensed)$74.4M1.07%
20USAA Casualty Insurance Company25968TXAdmitted (licensed)$71.5M1.03%
21Citizens Ins Co Of IL10714ILAdmitted (licensed)$64.6M0.93%
22Liberty Mutual Personal Insurance Company12484NHAdmitted (licensed)$61.0M0.88%
23Peerless Indemnity Insurance Company18333ILAdmitted (licensed)$52.5M0.76%
24USAA General Indemnity Company18600TXAdmitted (licensed)$51.6M0.74%
25American Strategic Insurance Corporation10872INAdmitted (licensed)$50.3M0.72%
26Travelers Home and Marine Insurance Company (The)27998CTAdmitted (licensed)$48.7M0.70%
27Farmers Direct Property and Casualty Insurance Company25321RIAdmitted (licensed)$43.7M0.63%
28Foremost Insurance Company Grand Rapids, Michigan11185MIAdmitted (licensed)$43.4M0.62%
29West Bend Insurance Company15350WIAdmitted (licensed)$40.4M0.58%
30Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact12873FLAdmitted (licensed)$36.8M0.53%
31American Bankers Insurance Company of Florida10111FLAdmitted (licensed)$33.5M0.48%
32Farmers Automobile Insurance Association, The24201ILAdmitted (licensed)$32.7M0.47%
33Nationwide Insurance Company of America25453OHAdmitted (licensed)$32.2M0.46%
34Safeco Insurance Company of Illinois39012ILAdmitted (licensed)$30.7M0.44%
35Allstate Property and Casualty Insurance Company17230ILAdmitted (licensed)$30.5M0.44%
36Executive Risk Indemnity, Inc.35181DEAdmitted (licensed)$29.7M0.43%
37Chubb National Insurance Company10052INAdmitted (licensed)$28.5M0.41%
38Illinois Farmers Insurance Company21679ILAdmitted (licensed)$28.4M0.41%
39Garrison Property and Casualty Insurance Company21253TXAdmitted (licensed)$27.0M0.39%
40Rock Ridge Insurance Company11089TXAdmitted (licensed)$26.8M0.39%
41Great Northern Insurance Company20303INAdmitted (licensed)$26.4M0.38%
42Cincinnati Insurance Company (The)10677OHAdmitted (licensed)$26.3M0.38%
43Berkley Assurance Company32603DEAdmitted (licensed)$23.7M0.34%
44Lemonade Insurance Company16023NYAdmitted (licensed)$23.1M0.33%
45ACUITY, A Mutual Insurance Company14184WIAdmitted (licensed)$22.9M0.33%
46Amica Mutual Insurance Company, The19976RIAdmitted (licensed)$21.3M0.31%
47Shelter Mutual Insurance Company23388MOAdmitted (licensed)$20.2M0.29%
48Hartford Insurance Company of the Southeast38261CTAdmitted (licensed)$18.7M0.27%
49American Select Insurance Company19992OHAdmitted (licensed)$18.4M0.27%
50Mercury Insurance Company of Illinois34444ILAdmitted (licensed)$17.9M0.26%
51Trumbull Insurance Company27120CTAdmitted (licensed)$17.4M0.25%
52UNIVERSAL PROPERTY \u0026 CASUALTY INSURANCE COMPANY10861FLAdmitted (licensed)$16.7M0.24%
53American Modern Property and Casualty Insurance Company42722OHAdmitted (licensed)$16.6M0.24%
54Homesite Insurance Company of Illinois11016ILAdmitted (licensed)$15.1M0.22%
55Selective Insurance Company of South Carolina19259INAdmitted (licensed)$14.1M0.20%
56Erie Insurance Exchange26271PAAdmitted (licensed)$13.7M0.20%
57Farmers Casualty Insurance Company40169RIAdmitted (licensed)$13.7M0.20%
58Spinnaker Insurance Company24376ILAdmitted (licensed)$13.6M0.20%
59MIC General Insurance Corporation38660ILAdmitted (licensed)$13.4M0.19%
60Cambridge Insurance Company19771MAAdmitted (licensed)$13.0M0.19%
61Madison Mutual Insurance Company14443ILAdmitted (licensed)$12.9M0.19%
62AMCO Insurance Company19100IAAdmitted (licensed)$12.1M0.17%
63Rockford Mutual Insurance Company27065ILAdmitted (licensed)$11.1M0.16%
64Frontier Mt Carroll Mut Ins Co26735ILAdmitted (licensed)$10.6M0.15%
65Allied Property and Casualty Insurance Company42579IAAdmitted (licensed)$9.5M0.14%
66Praetorian Insurance Company37257PAAdmitted (licensed)$9.3M0.13%
67AIG Property Casualty Company19402ILAdmitted (licensed)$8.9M0.13%
68L M Insurance Corporation33600ILAdmitted (licensed)$8.4M0.12%
69Teachers Insurance Company22683ILAdmitted (licensed)$8.4M0.12%
70Liberty Mutual Fire Insurance Company23035WIAdmitted (licensed)$8.4M0.12%
71Farmers Group Property and Casualty Insurance Company34339RIAdmitted (licensed)$8.3M0.12%
72Economy Premier Assurance Company40649ILAdmitted (licensed)$8.2M0.12%
73Property and Casualty Insurance Company of Hartford34690INAdmitted (licensed)$8.2M0.12%
74Hartford Accident and Indemnity Company22357CTAdmitted (licensed)$7.3M0.11%
75Grange Indemnity Insurance Company10322OHAdmitted (licensed)$7.2M0.10%
76Liberty Mutual Insurance Company42404ILAdmitted (licensed)$7.1M0.10%
77Encompass Home and Auto Insurance Company11252ILAdmitted (licensed)$6.6M0.09%
78Progressive Northern Insurance Company38628WIAdmitted (licensed)$6.4M0.09%
79Wadena Insurance Company12528IAAdmitted (licensed)$6.4M0.09%
80Chubb Indemnity Insurance Company12777NYAdmitted (licensed)$6.3M0.09%
81Esurance Insurance Company25712ILAdmitted (licensed)$5.8M0.08%
82Evanston Insurance Company35378ILAdmitted (licensed)$5.6M0.08%
83Travelers Property Casualty Insurance Company36161CTAdmitted (licensed)$5.5M0.08%
84Pekin Insurance Company24228ILAdmitted (licensed)$5.5M0.08%
85Auto Club Family Insurance Company27235MOAdmitted (licensed)$5.5M0.08%
86MICO Insurance Company40932OHAdmitted (licensed)$5.3M0.08%
87Central Insurance Company20230OHAdmitted (licensed)$5.0M0.07%
88Chubb Custom Insurance Company38989NJAdmitted (licensed)$5.0M0.07%
89Travelers Personal Insurance Company38130CTAdmitted (licensed)$4.8M0.07%
90Hastings Insurance Company14176MIAdmitted (licensed)$4.8M0.07%
91Badger Mutual Insurance Company13420WIAdmitted (licensed)$4.5M0.06%
92Vigilant Insurance Company20397NYAdmitted (licensed)$4.2M0.06%
93Goodville Mutual Casualty Company14044PAAdmitted (licensed)$4.1M0.06%
94Founders Insurance Company14249ILAdmitted (licensed)$3.4M0.05%
95ECONOMY FIRE \u0026 CASUALTY COMPANY22926ILAdmitted (licensed)$3.2M0.05%
96Hartford Casualty Insurance Company29424INAdmitted (licensed)$3.1M0.04%
97Hartford Insurance Company of Illinois38288ILAdmitted (licensed)$3.0M0.04%
98Westfield National Insurance Company24120OHAdmitted (licensed)$2.9M0.04%
99Stillwater Property and Casualty Insurance Company16578NYAdmitted (licensed)$2.7M0.04%
100Pacific Indemnity Company20346DEAdmitted (licensed)$2.7M0.04%
101Homeowners of America Insurance Company12536TXAdmitted (licensed)$2.7M0.04%
102Branch Insurance Exchange, Branch Financial, Inc. as Attorney-in-Fact16825OHAdmitted (licensed)$2.7M0.04%
103Federal Insurance Company20281INAdmitted (licensed)$2.6M0.04%
104Liberty Mutual Insurance Company23043MAAdmitted (licensed)$2.6M0.04%
105Hartford Fire Insurance Company19682CTAdmitted (licensed)$2.4M0.03%
106Travelers Commercial Insurance Company36137CTAdmitted (licensed)$2.1M0.03%
107Markel American Insurance Company28932VAAdmitted (licensed)$2.1M0.03%
108Foremost Property and Casualty Insurance Company11800MIAdmitted (licensed)$1.8M0.03%
109Trustgard Insurance Company40118OHAdmitted (licensed)$1.7M0.02%
110Standard Property and Casualty Insurance Company15199ILAdmitted (licensed)$1.6M0.02%
111Triassic Insurance Company29734MIAdmitted (licensed)$1.6M0.02%
112Lexington Insurance Company19437DEAdmitted (licensed)$1.5M0.02%
113American Modern Home Insurance Company23469OHAdmitted (licensed)$1.5M0.02%
114Scottsdale Insurance Company41297OHAdmitted (licensed)$1.4M0.02%
115Vault Reciprocal Exchange, Vault Risk Management Services, LLC A/I/F16186FLAdmitted (licensed)$1.4M0.02%
116Lyndon Southern Insurance Company10051DEAdmitted (licensed)$1.3M0.02%
117Merrimack Insurance Company19798MAAdmitted (licensed)$1.3M0.02%
118Farmers Property and Casualty Insurance Company26298RIAdmitted (licensed)$1.2M0.02%
119Armed Forces Insurance Exchange41459KSAdmitted (licensed)$1.2M0.02%
120Grain Dealers Mutual Insurance Company22098INAdmitted (licensed)$1.1M0.02%
121Beazley Excess and Surplus Insurance, Inc. (C)17520CTAdmitted (licensed)$1.0M0.01%
122|Hadron Specialty Insurance Company17534ARAdmitted (licensed)$953,5950.01%
123Metromile Insurance Company16187NYAdmitted (licensed)$947,8870.01%
124Century-National Insurance Company26905ILAdmitted (licensed)$940,7520.01%
125Sentinel Insurance Company, Limited11000CTAdmitted (licensed)$915,7520.01%
126Trisura Insurance Company22225OKAdmitted (licensed)$894,1080.01%
127Westfield Insurance Company24112OHAdmitted (licensed)$869,2790.01%
128Midwest Family Mutual Insurance Company23574IAAdmitted (licensed)$841,9490.01%
129Voyager Indemnity Insurance Company40428GAAdmitted (licensed)$751,7910.01%
130Old Guard Insurance Company17558OHAdmitted (licensed)$725,4480.01%
131VAULT E\u0026S INSURANCE COMPANY\16237ARAdmitted (licensed)$715,1420.01%
132Tower Hill Prime Insurance Company11027FLAdmitted (licensed)$598,8910.01%
133Owners Insurance Company32700OHAdmitted (licensed)$484,0850.01%
134Automobile Insurance Company of Hartford, Connecticut (The)19062CTAdmitted (licensed)$483,8330.01%
135Horace Mann Insurance Company22578ILAdmitted (licensed)$415,7860.01%
136HORACE MANN PROPERTY \u0026 CASUALTY INSURANCE COMPANY22756ILAdmitted (licensed)$384,4500.01%
137Integon Casualty Insurance Company27930ILAdmitted (licensed)$374,7800.01%
138MS Transverse Specialty Insurance Company41807TXAdmitted (licensed)$372,5410.01%
139Spinnaker Specialty Insurance Company17045TXAdmitted (licensed)$322,2890.00%
140Travelers Indemnity Company of America (The)25666CTAdmitted (licensed)$219,5190.00%
141Grange Insurance Company14060OHAdmitted (licensed)$219,2860.00%
142Esurance Property and Casualty Insurance Company30210ILAdmitted (licensed)$198,9260.00%
143Hartford Insurance Company of the Midwest37478INAdmitted (licensed)$168,2730.00%
144North Light Specialty Insurance Company13167ILAdmitted (licensed)$161,7780.00%
145American Security Insurance Company42978DEAdmitted (licensed)$140,6380.00%
146United States Liability Insurance Company25895NEAdmitted (licensed)$135,8400.00%
147Toggle Insurance Company44245DEAdmitted (licensed)$129,9810.00%
148Standard Fire Insurance Company (The)19070CTAdmitted (licensed)$114,1570.00%
149Atain Specialty Insurance Company17159MIAdmitted (licensed)$95,9920.00%
150Republic - Vanguard Insurance Company40479AZAdmitted (licensed)$91,0530.00%
151Berkeley Prestige Insurance Company17412IAAdmitted (licensed)$81,1340.00%
152Affiliated F M Insurance Company10014RIAdmitted (licensed)$72,5290.00%
153Travelers Casualty and Surety Company19038CTAdmitted (licensed)$68,0860.00%
154Hanover Fire and Casualty Insurance Company17337PAAdmitted (licensed)$59,3560.00%
155Emerald Bay Specialty Insurance Company17527AZAdmitted (licensed)$27,9410.00%
156State National Insurance Company, Inc.12831TXAdmitted (licensed)$26,6620.00%
157First Chicago Insurance Company13587ILAdmitted (licensed)$24,4610.00%
158Standard Guaranty Insurance Company42986DEAdmitted (licensed)$23,0760.00%
159AM Specialty Insurance Company (C)17091AZAdmitted (licensed)$22,4080.00%
160First Acceptance Insurance Company, Inc.10336TXAdmitted (licensed)$21,6400.00%
161Independent Mutual Fire Insurance Company29831ILAdmitted (licensed)$17,4920.00%
162Church Mutual Insurance Company, S. I.18767WIAdmitted (licensed)$10,9510.00%
163Sutton National Insurance Company25798OKAdmitted (licensed)$8,8550.00%
164SECURA Insurance Company22543WIAdmitted (licensed)$7,4650.00%
165|Mount Vernon Fire Insurance Company26522PAAdmitted (licensed)$4,8770.00%
166Sutton Specialty Insurance Company16848OKAdmitted (licensed)$3,0030.00%
167Motorists Commercial Mutual Insurance Company13331OHAdmitted (licensed)$2,9530.00%
168United Security Insurance Company81108ILAdmitted (licensed)$1,7550.00%
169United States Fire Insurance Company21113DEAdmitted (licensed)$1,6580.00%
170Concert Specialty Insurance Company17151MTAdmitted (licensed)$1,3980.00%
171Fortegra Specialty Insurance Company16823AZAdmitted (licensed)$7760.00%
172STARR INDEMNITY \u0026 LIABILITY COMPANY38318TXAdmitted (licensed)$5800.00%
173Ace Property and Casualty Insurance Company20699PAAdmitted (licensed)$5550.00%
174AXIS Insurance Company37273ILAdmitted (licensed)$5500.00%
175Encompass Insurance Company of America10071ILAdmitted (licensed)$4540.00%
176Pennsylvania Lumbermen's Mutual Insurance Company14974PAAdmitted (licensed)$4130.00%
177Hartford Underwriters Insurance Company30104CTAdmitted (licensed)$2780.00%
178Direct General Insurance Company42781ILAdmitted (licensed)$2250.00%
179Encompass Property and Casualty Company10072ILAdmitted (licensed)$1760.00%
180Iowa Mutual Insurance Company14338OHAdmitted (licensed)$1370.00%
181United Casualty Insurance Company of America11142MOAdmitted (licensed)$870.00%
182Incline Americas Insurance Company17532TXAdmitted (licensed)$850.00%
183Old Reliable Casualty Company36625MOAdmitted (licensed)$170.00%
Turned down?

Last resort for homeowners in Illinois

Last resortLinesWhereHow to get in
Property FAIR Plansdwelling fire, homeowners, commercial propertyCA, CO, CT, IL, IN, IA, KS, KY, MN, MO, OH, OR, PA, TX, WI, WV, LA, DE, DC, GA, HI, MD, MA, MI, NJ, NM, NY, NC, RI, VA, FLEach state's plan; California: broker searches the regular market first, registers on the broker portal (cfpnet.com); a DIC wrap is optionalSource
Surplus lines and Lloyd's open marketallall states, under each state's diligent-search rulesThrough surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last stepSource

Method and source

Source: the Illinois insurance regulator company list, read 2026-10-18. IDOI 2025 Market Share Report: Property and Casualty (published March 2026, 2025 annual-statement data). Lists every company with Illinois business written on the P&C statement: licensed companies, surplus lines insurers and risk retention groups together, with no status/type flag, so type is '' for all rows and the list is NOT a certificate-of-authority roster (a licensed company with zero IL premium and zero losses is omitted; non-admitted writers are included). 'lines' = P&C statement lines of business the company reported IL premium or losses under (48 of 54 lines have entries), a proxy for lines of authority. No 'since' date in the source. No Illinois surplus lines eligibility list exists (IL has no white list). 26 companies had a name or domicile cell missing in at least one PDF row; filled from the same NAIC code's other rows. "Premium" is direct premium written in the state for the year shown; "share" is that company's part of the state total for the line. A company can be licensed for a line and write none of it, and a surplus lines insurer can write a line without a state license for it.

Open to use. Cite "Alishahi Insurance insurance company directory" and link here. CSV · JSON.

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