Homeowners insurance disaster-proofing discounts (marketwide insurer discounts, not a state-run program)

How it works

The Illinois Department of Insurance tells homeowners that some insurers may offer discounts if you make certain home improvements that reduce disaster risk. The department specifically gives examples such as adding storm shutters, getting a new roof, or adding home security devices. The page frames this as a possible insurer discount, not a state-funded rebate or tax credit.

What the money covers

The official page does not publish a dollar amount, percentage, or standardized list of qualifying improvements. It only states that some insurers offer discounts for disaster-proofing the home and gives storm shutters, a new roof, and home security devices as examples.

Important note for homeowners

Because this is insurer-specific, the availability and size of any discount will vary by company and policy. The state page does not say that every insurer must offer these discounts.

How to apply

The page does not give a formal application process. A homeowner would need to ask their insurance agent or insurer whether a discount is available for the specific hardening work completed.