Construction. The materials used can impact rate. By way of example, wood is more easily destroyed inside a fire than masonry and therefore a wood home could cost more to insure.
Location. Within Illinois, rates definitely will differ. So Chicago homeowners definitely will pay some other rate than home-owners in Peoria or Springfield. Furthermore, within Chicago rates definitely will differ by region. So someone coping with Oak Park may pay some other rate than someone living in Lincolnwood or Central Chicago. That is typically mainly because that you have differing loss histories for different regions determined by crime, natural disasters and local building costs. Thus a home in a high crime area might be rated higher than your house in a neighborhood with little crime.