Why USAA made our list: 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. 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.
Who USAA may be good for: If you are stationed at Scott AFB or any of Illinois’s other military bases, you may want to consider USAA for its low average rates and superior customer service. Its coverage options feature military-focused benefits, such as coverage for your uniforms.