
Of the Illinois homeowners insurance companies on our list, USAA offers the cheapest coverage on average, but the company only sells policies to active military members, veterans and their qualifying family members. Because of this, USAA is not eligible for official ranking with J.D. Power, but the company consistently receives some of the highest scores. However, there are not as many ways to personalize a USAA homeowners policy, and most add-on options are specific to military life, like uniform coverage. But, if you home share a room or the entire house, you may be able to include home sharing coverage on your USAA home insurance.