The Top Insurance Companies in Naperville, IL

Finding the right insurance company in Naperville, IL can seem overwhelming with so many options to choose from. As an independent insurance agency located right here in Naperville for over 20 years, we have a unique perspective on the insurance market and know which companies consistently provide the best service and value for our clients.

In this article, we’ll highlight the top insurance companies we partner with to protect homes, autos, businesses, and more for Naperville residents and throughout the Chicago suburbs. We’ll also discuss what makes these companies stand out and provide tips for getting the most protection at the best price no matter what insurance you need.

What Makes a Great Insurance Company?

With so many insurance providers to choose from these days, it can be tough to decipher which ones are truly the best. Here are a few key factors we look for when recommending insurance companies to our clients:

• Financial strength and stability The company should have strong financial ratings so you can rest assured they’ll be there if you ever need to file a claim. A.M. Best Moody’s and Standard & Poor’s are independent agencies that assess insurance company finances. Look for companies rated “A” or higher.

• Good customer service If you ever have a question or issue, you want an insurance company that will respond quickly and resolve problems efficiently. We check policyholder reviews and complaints to ensure companies have a solid reputation for customer satisfaction

• Competitive pricing: The insurance company should offer affordable rates and discounts so you get the most protection for your money. As an independent agency, we have access to quotes from multiple insurers, so we can find you the best deals.

• A variety of policies: The more types of insurance a company offers – like home, auto, business, life, health, etc. – the more likely we can customize a policy bundle to meet all your needs.

• Local agents and support: Having an agent who knows your area provides a more personalized experience. They can ensure policies are tailored to local risks and regulations. Local support also makes filing claims faster and easier.

Using these criteria and our two decades as Naperville’s trusted insurance advisors, we’ve cultivated partnerships with insurers that provide exceptional service and maximum protection. Here are some of our top-rated picks:

Auto Insurance

When shopping for car insurance, finding an insurer that offers ample coverage options at the best rate is key. These three auto insurance companies check all the boxes with affordable pricing, abundant discounts, and responsive local support.

State Farm

As the largest auto insurer in the U.S., State Farm has earned an excellent reputation for customer service and claims processing. They offer standard coverages like liability, collision, comprehensive, and uninsured motorist coverage. They also have plenty of discounts – like safe driving, good student, multiple car, and defensive driving discounts. With discounts, many State Farm policyholders enjoy savings of up to 30%.

Progressive

Known for innovative offerings like their Name Your Price tool and Snapshot program, Progressive makes it easy to customize an auto policy and save. Snapshot can save you up to 30% by tracking driving habits. Progressive also has accident forgiveness and a multi-policy discount when you bundle home or other insurance. Their robust mobile app and fast claims handling also appeal to today’s on-the-go consumers.

Allstate

Allstate is a household name in insurance and is best known for quality coverage, lots of discounts, and their network of local agents who provide personalized service. They offer standard auto coverages along with extras like custom parts coverage. Popular discounts include safe driving, new car, anti-theft devices, anti-lock brakes, and more. Bundling policies and loyalty discounts can save you up to 50% with Allstate.

Homeowners Insurance

Protecting your home and possessions requires an insurance company that offers robust property protection, additional living expense coverage in case of disaster, and liability protection. These three home insurers are our top recommendations for homeowners policies in Naperville.

State Farm

In addition to great auto insurance, State Farm is one of the largest home insurers in the U.S. Their typical homeowners policy includes dwelling coverage, personal property, loss of use, personal liability, and medical payments. Optional add-ons like water backup, earth movement, and jewelry coverage provide enhanced protection. State Farm offers plenty of discounts and excellent claims service with local agents who personally handle the process for you.

Allstate

Allstate Home Insurance policies fully cover the structure, detached structures, contents, loss of use, liability, and medical payments. You can also add coverage for jewelry, silverware, firearms, flood, and more. Allstate offers discounts for bundling, new home, security devices, age of home, and more. Claims can be filed digitally or with a local agent. Allstate has high marks for customer satisfaction and claims handling.

Travelers

Travelers insurance provides flexible options and enhanced coverage features for high-value homes. Their home policies include standard dwelling, property, loss of use, liability and medical coverage along with extras like identity fraud expense, water backup, and home systems protection. Travelers offers discounts for smart home tech, multi-policy bundles, new home, and more. Excellent customer service helps them stand out in home insurance.

Business Insurance

Local business owners need an insurance provider they can rely on to fully protect their company. These highly-rated insurers offer the comprehensive coverage, responsive claims service, and tailored policies Naperville businesses require.

The Hartford

The Hartford provides tailored coverage and risk management guidance to all types of businesses from restaurants to contractors to retail stores. Core business insurance offerings include general liability, property, business income, commercial auto, workers’ compensation and umbrella insurance. Enhanced coverages like cyber liability and employment practices liability are also available. The Hartford is known for multinational capabilities, loss control services and top-rated claims handling.

Travelers

Travelers Insurance delivers customized packages, industry-specific coverages, and excellent service for businesses. In addition to standard policies, they offer unique options like cyber and data breach insurance, professional liability, and their SmartBuildings program which provides enhanced equipment breakdown and other property coverages. Their in-house risk control team provides inspections, recommendations and other loss prevention services. Travelers gets rave reviews for knowledgeable agents and hassle-free claims resolution.

Liberty Mutual

As the largest property and casualty insurer in the U.S., Liberty Mutual has the experience and resources business owners need. They offer all standard coverages, plus umbrella policies, professional liability, commercial auto, and other highly-customized options. Policyholders have access to risk management tools, legal support and a crisis management app. Liberty Mutual also has well-trained claims adjusters to manage any issues promptly and accurately. Discounts like paperless billing and auto/home bundles help keep rates low.

Life Insurance

Choosing the right life insurance is an important decision you want to get right to properly protect your loved ones. These highly-rated life insurance companies have the financial strength, product selection, and helpful resources to create the optimal policy for your needs.

Northwestern Mutual

As one of the oldest, largest and highest-rated life insurers, Northwestern Mutual is an exceptional choice. They offer term life, whole life, universal life, and disability income policies. Northwestern Mutual has an entire network of local financial advisors who provide personalized guidance on the right policy for your specific situation. They have virtually unlimited options to customize coverage and riders.

Pacific Life

Founded in 1868, Pacific Life offers highly-flexible universal life insurance that you can tailor with optional riders like chronic illness, disability, and term coverage riders. They also provide annuities, 401k plans, mutual funds and wealth management. Pacific Life has strong financial ratings and outstanding customer service scores. Their online resources help you estimate costs and compare policy options.

Guardian Life

The Guardian Life Insurance Company offers all types of life insurance, disability income insurance, annuities, and employee benefits programs. Available life policies include term, whole, and universal life insurance, along with options like family and survivorship coverage. Guardian has an A++ financial strength rating from A.M. Best. Their website provides helpful tools like instant online quotes and a policy cost estimator.

How We Can Help

As you can see, Naperville residents have access to many highly-reputed insurance carriers right in our own backyard. As your independent insurance agency, Trunnell Insurance Services has thoroughly vetted these companies and can offer guidance on which one is the optimal fit depending on your unique insurance needs.

With coverage from auto and home to business and life insurance, we work with you one-on-one to compare rates and ensure you understand exactly what each policy offers. We do the insurance legwork so you have an advocate to simplify the process and help select cost-effective insurance tailored to your situation.

Our Naperville insurance agents have provided local expertise, unbeatable service, and the best policy options to our neighbors here for over 20 years. Contact us today to discuss your insurance needs and get a customized quote on coverage from our A-rated partners!