/**
 * General Functions
 *
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly



/**
 * Get the components of theme mobile header
 */
if( ! function_exists( 'tie_mobile_header_components' ) ) {

	function tie_mobile_header_components( $area ){

		$mobile_header_components = array(

			'menu' => tie_mobile_menu_icon(),

			'search' => '
				<a href="#" class="tie-search-trigger-mobile">
					<span class="tie-icon-search tie-search-icon" aria-hidden="true"></span>
					<span class="screen-reader-text">'. esc_html__( 'Search for', TIELABS_TEXTDOMAIN ) .'</span>
				</a>
			',

			'skin' => '
				<a href="#" class="change-skin" title="'. esc_html__( 'Switch skin', TIELABS_TEXTDOMAIN ) .'">
					<span class="tie-icon-moon change-skin-icon" aria-hidden="true"></span>
					<span class="screen-reader-text">'. esc_html__( 'Switch skin', TIELABS_TEXTDOMAIN ) .'</span>
				</a>
			',
		);

		// Login and user account
		if( is_user_logged_in() ){

			ob_start();
			tie_login_form();
			$login_form = ob_get_clean();

			$current_user = wp_get_current_user();
			$mobile_header_components['login'] = '
				<a href="#" class="profile-btn">'.
					get_avatar( $current_user->ID, apply_filters( 'TieLabs/Login/avatar_size', 30 ) ) .'
					<span class="screen-reader-text">'. esc_html__( 'Your Profile', TIELABS_TEXTDOMAIN ) .'</span>
				</a>

				<div class="components-sub-menu comp-sub-menu components-user-profile">'. $login_form .'</div>
			';
		}
		else {
			$mobile_header_components['login'] = '
				<a href="#" class="lgoin-btn tie-popup-trigger">
					<span class="tie-icon-author" aria-hidden="true"></span>
					<span class="screen-reader-text">'. esc_html__( 'Log In', TIELABS_TEXTDOMAIN ) .'</span>
				</a>
			';
		}

		// WooCommerce Cart
		if ( TIELABS_WOOCOMMERCE_IS_ACTIVE ){
			$mobile_header_components['cart'] = tie_component_button_cart();
		}

		// BuddyPress
		if ( TIELABS_BUDDYPRESS_IS_ACTIVE ){
			$mobile_header_components['bp_notifications'] = tie_component_button_bp_notifications();
		}

		// Check the active components
		$components = array();
		foreach ( $mobile_header_components as $key => $html ) {
			if( tie_get_option( 'mobile_header_components_'.$key ) == $area ){
				$components[ $key ] = '<li class="mobile-component_'.$key .' custom-menu-link">'. $html .'</li>';
			}
		}

		//
		$components = apply_filters( 'TieLabs/Mobile/Header/Components', $components, $area );


		if( ! empty( $components ) ){
			echo '<div id="mobile-header-components-'. $area .'" class="mobile-header-components">';
				echo '<ul class="components">'. join( ' ', $components ) .'</ul>';
			echo '</div>';
		}

		// If Header layout is centered we need to place the div even if it is empty || FLEX
		elseif ( tie_get_option( 'mobile_header' ) == 'centered' ) {
			echo '<div id="mobile-header-components-'. $area .'" class="mobile-header-components"></div>';
		}

		return false;
	}
}


/**
 * Mobile Menu icon
 */
if( ! function_exists( 'tie_mobile_menu_icon' ) ) {

	function tie_mobile_menu_icon(){

		if( ! tie_get_option( 'mobile_header_components_menu' ) ){
			return false;
		}

		$menu_icon = tie_get_option( 'mobile_menu_icon', 1 );

		$class = 'tie-mobile-menu-icon ';

		if( is_numeric( $menu_icon ) ){
			$class .= "nav-icon is-layout-$menu_icon";
		}
		else{
			$class .= "tie-icon-$menu_icon";
		}

		$class_wrapper = tie_get_option( 'mobile_menu_text' ) ? 'menu-text-wrapper' : '';

		$mobile_icon  = '<a href="#" id="mobile-menu-icon" class="'. $class_wrapper .'">';
		$mobile_icon .= '<span class="'. $class .'"></span>';

		if( tie_get_option( 'mobile_menu_text' ) ){
			$mobile_icon .= '<span class="menu-text">'. esc_html__( 'Menu', TIELABS_TEXTDOMAIN ) .'</span>';
		}
		else{
			$mobile_icon .= '<span class="screen-reader-text">'. esc_html__( 'Menu', TIELABS_TEXTDOMAIN ) .'</span>';
		}

		$mobile_icon .= '</a>';

		return $mobile_icon;
	}
}


/**
 * Mobile Header Components Main area
 */
if( ! function_exists( 'tie_mobile_header_components_area_1' ) ) {

	add_action( 'TieLabs/Logo/before', 'tie_mobile_header_components_area_1' );
	function tie_mobile_header_components_area_1(){
		tie_mobile_header_components( 'area_1' );
	}
}



/**
 * Mobile Header Components
 */
if( ! function_exists( 'tie_mobile_header_components_area_2' ) ) {

	add_action( 'TieLabs/Logo/after', 'tie_mobile_header_components_area_2' );
	function tie_mobile_header_components_area_2(){
		tie_mobile_header_components( 'area_2' );
	}
}/**
 * Filters
 *
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly


class TIELABS_FILTERS {

	/**
	 * Runs on class initialization. Adds filters and actions.
	 */
	function __construct() {

		// Add Support for Shortcodes in the terms descriptions
		add_filter( 'term_description', 'do_shortcode' );

		add_action( 'init',                  array( $this, 'init_hook' ) );
		add_action( 'init',                  array( $this, 'redirect_random_post' ) );

		add_action( 'wp_head',               array( $this, 'meta_description' ) );
		add_action( 'wp_head',               array( $this, 'meta_generator' ) );
		add_action( 'wp_head',               array( $this, 'x_ua_compatible' ) );

		add_action( 'wp_footer',             array( $this, 'footer_inline_scripts' ), 999 );
		add_action( 'wp_footer',             array( $this, 'footer_misc'  ) );
		add_action( 'wp_footer',             array( $this, 'popup_module' ) );

		add_action( 'comment_class',         array( $this, 'is_avatar_enabled' ) );
		add_filter( 'pre_get_posts',         array( $this, 'search_filters' ) );
		add_filter( 'pre_get_posts',         array( $this, 'category_posts_order' ) );
		add_filter( 'TieLabs/cache_key',     array( $this, 'cache_key' ) );
		add_filter( 'widget_tag_cloud_args', array( $this, 'tag_widget_limit' ) );
		add_filter( 'widget_title',          array( $this, 'tagcloud_widget_title' ), 10, 3 );
		add_filter( 'login_headerurl',       array( $this, 'dashboard_login_logo_url' ) );
		add_filter( 'login_head',            array( $this, 'dashboard_login_logo' ) );
		add_filter( 'get_the_archive_title', array( $this, 'archive_title' ), 15 );
		add_filter( 'wp_link_pages_args',    array( $this, 'pages_next_and_number' ) );
		add_filter( 'excerpt_more',          array( $this, 'excerpt_more' ) );
		add_filter( 'get_the_excerpt',       array( $this, 'post_excerpt' ), 9 );

		add_filter( 'has_post_thumbnail',    array( $this, 'has_post_thumbnail' ) );
		add_filter( 'post_thumbnail_html',   array( $this, 'default_featured_image' ), 10, 5 );

		add_filter( 'TieLabs/exclude_content',            'TIELABS_HELPER::strip_shortcodes' );
		add_filter( 'wp_get_attachment_image_src',        array( $this, 'gif_image' ), 10, 4 );
		add_filter( 'wp_get_attachment_image_attributes', array( $this, 'small_thumb_image_class' ), 10, 3 );

		add_filter( 'TieLabs/Primary_Category/custom', array( $this, 'yoast_seo_primary_category' ) );

		// Translations
		if( tie_get_option( 'translations' ) ){
			add_filter( 'gettext', array( $this, 'theme_translation' ), 10, 3 );
		}

		if( tie_get_option( 'translation_numbers' ) ){
			add_filter( 'get_the_date',                   array( $this, 'translate_numbers' ), 55 );
			add_filter( 'get_comment_date',               array( $this, 'translate_numbers' ), 55 );
			add_filter( 'get_comment_time',               array( $this, 'translate_numbers' ), 55 );
			add_filter( 'comments_number',                array( $this, 'translate_numbers' ), 55 );
			add_filter( 'wp_list_categories',             array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/number_format',          array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/post_date',              array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/reading_time',           array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/post_views_number',      array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/Social_Counters/number', array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/Weather/number',         array( $this, 'translate_numbers' ), 55 );
		}
	}


	/**
	 * init_hook
	 */
	function init_hook(){

		/*if( current_user_can( 'manage_options' ) ){
			add_filter( 'the_content', array( $this, 'shortcodes_notice' ) );
		}
		*/

		//WordPress doesn't recognize it as RTL language because there is an error in the main translation file of the Sindhi language!
		if( get_locale() == 'snd' && ! is_rtl() ){
			global $wp_locale;
			$wp_locale->text_direction = 'rtl';
		}
	}


	/**
	 * Add notice for the shortcodes plugin
	 */
	function shortcodes_notice( $content ){

		// Don't show the message if this is excerpt OR backend OR AMP
		if(
				is_admin() ||
				( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ) ||
				in_array( 'parse_request',   $GLOBALS['wp_current_filter'] ) ||
				in_array( 'get_the_excerpt', $GLOBALS['wp_current_filter'] ) ){
			return $content;
		}

		$message = '';

		// Timetable and Event Schedule Plugin
		if( ! TIELABS_MPTIMETABLE_IS_ACTIVE ){

			if( strpos( $content, '[mp-timetable' ) !== false ){

				$message .= TIELABS_HELPER::notice_message( sprintf(
					esc_html__( 'This section contains some shortcodes that requries the %2$s%1$s%3$s Plugin.', TIELABS_TEXTDOMAIN ),
					'<strong>Timetable and Event Schedule</strong>',
					'<a href="https://wordpress.org/plugins/mp-timetable/" target="_blank" rel="noopener">',
					'</a>'
				), false );
			}
		}

		// Contact Form 7 Plugin
		if( ! class_exists( 'WPCF7' ) ){

			if( strpos( $content, '[contact-form-7' ) !== false ){

				$message .= TIELABS_HELPER::notice_message( sprintf(
					esc_html__( 'This section contains some shortcodes that requries the %2$s%1$s%3$s Plugin.', TIELABS_TEXTDOMAIN ),
					'<strong>Contact Form 7</strong>',
					'<a href="https://wordpress.org/plugins/contact-form-7/" target="_blank" rel="noopener">',
					'</a>'
				), false) ;
			}
		}

		// Return the content with message
		return apply_filters( 'TieLabs/shortcodes_check', $message, $content ) . $content;
	}


	/**
	 * x_ua_compatible
	 */
	function x_ua_compatible(){
		echo '<meta http-equiv="X-UA-Compatible" content="IE=edge">';
	}


	/**
	 * meta_escription
	 */
	function meta_description(){

		// Return if the description option is disabled or the Yoast SEO or Rank Math SEO plugins are active
		if( ! tie_get_option( 'post_meta_escription' ) || class_exists( 'WPSEO_Frontend' ) || class_exists( 'RankMath' ) ){
			return;
		}

		// Single Page doesn't have a builder
		if( is_singular() && ! TIELABS_HELPER::has_builder() ){

			$post = get_post();

			if( ! empty( $post->post_content ) ){
				$description = apply_filters( 'TieLabs/exclude_content', $post->post_content );
			}
		}
		// Archives
		elseif( get_the_archive_description() ){
			$description = get_the_archive_description();
		}

		// Default
		if( empty( $description ) ){
			$description = get_bloginfo( 'description' );
		}

		if( ! empty( $description ) ){
			$description = strip_tags( strip_shortcodes( $description ) );
			echo ' <meta name="description" content="'. esc_attr( wp_html_excerpt( $description, 150 ) ) .'" />';
		}
	}


	/**
	 * Theme translations
	 */
	function theme_translation( $translation, $text, $domain ){

		if( $domain == TIELABS_TEXTDOMAIN || $domain == 'amp' ){

			$translations = tie_get_option( 'translations' );

			if( ! empty( $translations ) ){  // To minimize the calls of sanitize_title
				$sanitize_text = sanitize_title( htmlspecialchars( $text ) );

				if( ! empty( $translations[ $sanitize_text ] ) ){
					return htmlspecialchars_decode( $translations[ $sanitize_text ] );
				}
			}
		}

		return $translation;
	}


	/**
	 * Add the inline scripts to the Footer
	 */
	function footer_inline_scripts(){

		// Check if we are in an AMP page
		if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){
			return;
		}

		// Print the inline scripts if the BWP is active
		if( ! empty( $GLOBALS['tie_inline_scripts'] ) && TIELABS_HELPER::is_js_minified() ){
			echo '<script type="text/javascript">'. $GLOBALS['tie_inline_scripts'] .'</script>';
		}
	}


	/**
	 * Add Misc Footer Conetnt
	 */
	function footer_misc(){

		// Check if we are in an AMP page
		if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){
			return;
		}

		// Custom Footer Code
		if ( tie_get_option( 'footer_code' ) ){
			echo do_shortcode( apply_filters( 'TieLabs/footer_code', tie_get_option( 'footer_code' ) ) );
		}

		// Reading Position Indicator
		if ( tie_get_option( 'reading_indicator' ) && is_single() && ! tie_get_option( 'autoload_posts' ) ){
			echo '<div id="reading-position-indicator"></div>';
		}

		// Live Search
		if(
			tie_menu_has_search( 'top_nav', true )  ||
			tie_menu_has_search( 'main_nav', true ) ||
		  ( tie_get_option( 'mobile_header_components_search') && tie_get_option( 'mobile_header_live_search') )
		){
			echo '<div id="autocomplete-suggestions" class="autocomplete-suggestions"></div>';
		}

		// Scrollbar - Used to get the default scrollbar width.
		echo '<div id="is-scroller-outer"><div id="is-scroller"></div></div>';

		// Facebook buttons
		echo '<div id="fb-root"></div>';
	}


	/**
	 * Add the Popup module to the footer
	 */
	function popup_module(){

		// Check if we are in an AMP page
		if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){
			return;
		}

		TIELABS_HELPER::get_template_part( 'templates/popup' );
	}


	/**
	 * Add an extra class to the comment item if the avatar is active
	 */
	function is_avatar_enabled( $classes ){

		if( is_array( $classes ) && get_option( 'show_avatars' ) ){
			$classes[] = 'has-avatar';
		}

		return $classes;
	}


	/**
	 * Exclude post types and categories From Search results
	 */
	function search_filters( $query ){

		if( is_admin() || isset( $_GET['post_type'] ) ){
			return $query;
		}

		if( is_search() && $query->is_main_query() ){

			// Exclude Post types from search
			if ( ($exclude_post_types = tie_get_option( 'search_exclude_post_types' )) && is_array( $exclude_post_types ) ){

				$args = array(
					'public' => true,
					'exclude_from_search' => false,
				);

				$post_types = get_post_types( $args );

				foreach ( $exclude_post_types as $post_type ){
					unset( $post_types[ $post_type ] );
				}

				$query->set( 'post_type', $post_types );
			}

			// Exclude specific categoies from search
			if ( tie_get_option( 'search_cats' ) ){
				$query->set( 'cat', tie_get_option( 'search_cats' ) );
			}
		}

		return $query;
	}


	/**
	 * Change the posts order in the category page
	 */
	function category_posts_order( $query ){

		if( ! is_admin() && is_category() && $query->is_main_query() ){

			$current_category = get_queried_object();

			if( ! empty( $current_category->term_id ) ){

				$posts_order = tie_get_category_option( 'posts_order', $current_category->term_id );

				// Posts Order
				if( ! empty( $posts_order ) ){

					if( $posts_order == 'views' && tie_get_option( 'tie_post_views' ) ){ // Most Viewd posts
						$query->set( 'orderby', 'meta_value_num' );
						$query->set( 'meta_key', apply_filters( 'TieLabs/views_meta_field', 'tie_views' ) );
					}
					elseif( $posts_order == 'popular' ){ // Popular Posts by comments
						$query->set( 'orderby', 'comment_count' );
					}
					elseif( $posts_order == 'title' ){
						$query->set( 'orderby', 'title' );
						$query->set( 'order', 'ASC' );
					}
					else{
						$query->set( 'orderby', $posts_order );
					}
				}
			}
		}

		return $query;
	}


	/**
	 * Random Article
	 */
	function redirect_random_post(){

		if( wp_doing_ajax() ){
			return;
		}

		if( isset( $_GET['random-post'] ) && ( tie_get_option( 'top-nav-components_random' ) || tie_get_option( 'main-nav-components_random' ) ) ) {

			$args = array(
				'posts_per_page'      => 1,
				'orderby'             => 'rand',
				'fields'              => 'ids',
				'no_found_rows'       => true,
				'ignore_sticky_posts' => true,
			);

			$random_post = new WP_Query ( $args );

			while ( $random_post->have_posts () ){
				$random_post->the_post();
				wp_redirect( get_permalink() );
				exit;
			}
		}
	}


	/**
	 * Widgets Small Image Class
	 *
	 * By default WordPress uses 2 classes attachment-{size} size-{size}
	 * we need to add a general class doesn't linked with the thumb name
	 */
	function small_thumb_image_class( $attr, $attachment, $size = false ) {

		if( ! empty( $size ) && $size == TIELABS_THEME_SLUG.'-image-small' ){
			$attr['class'] .= ' tie-small-image';
		}

		return $attr;
	}


	/**
	 * Gif images
	 */
	function gif_image( $image, $attachment_id, $size, $icon ){

		if( ! tie_get_option( 'disable_featured_gif' ) ){

			$file_type = ! empty( $image[0] ) ? wp_check_filetype( $image[0] ) : false;

			if( ! empty( $file_type ) && $file_type['ext'] == 'gif' && $size != 'full' ){

				$full_image = wp_get_attachment_image_src( $attachment_id, $size = 'full', $icon );

				// For the avatars we need to keep the original width and height
				if( ! empty( $full_image ) && in_array( 'get_avatar', $GLOBALS['wp_current_filter'] ) ){
					$full_image[1] = $image[1];
					$full_image[2] = $image[2];
				}

				return $full_image;
			}
		}

		return $image;
	}


	/**
	 * Modify Excerpts
	 */
	function post_excerpt( $text = '' ){

		$raw_excerpt = $text;

		if ( '' == $text ){

			//$text = get_the_content( '' ); // Causes issues with the new Posts List Blocks

			$_post = get_post();
			$text = ! empty( $_post->post_content ) ? $_post->post_content : '';
			$text = apply_filters( 'TieLabs/exclude_content', $text );

			/**
			 * If images with class wp-image-{ID} exists in the conetnt, WordPress make a DB request to get andd add the srcset
			 * Since we are in excerpt we don't need that, Great affect on archives pages
			 */
			$text = str_replace( 'wp-image-', 'tie-image', $text );

			$text = strip_shortcodes( $text );
			$text = apply_filters( 'the_content', $text );
			$text = str_replace( ']]>', ']]>', $text );

			$excerpt_length = apply_filters( 'excerpt_length', 55 );
			$excerpt_more   = apply_filters( 'excerpt_more', ' ' . '[&hellip;]' );
			$text           = wp_trim_words( $text, $excerpt_length, $excerpt_more );
		}

		return apply_filters( 'wp_trim_excerpt', $text, $raw_excerpt );
	}


	/**
	 * Global Cache Key
	 */
	function cache_key( $key ){
		return 'tie-cache-'. TIELABS_HELPER::get_locale() . $key;
	}


	/**
	 * Change the number of tags in the cloud tags
	 */
	function tag_widget_limit( $args ){

		if( isset($args['taxonomy']) && $args['taxonomy'] == 'post_tag' ){
			$args['number'] = 18;
		}

		return $args;
	}


	/**
	 * Remove the default Tag CLoud titles if the title field is empty
	 */
	function tagcloud_widget_title( $title = false, $instance = false, $id_base = false ){

		if( $id_base == 'tag_cloud' && empty( $instance['title'] ) ){
			return false;
		}

		return $title;
	}


	/**
	 * Custom Dashboard login URL
	 */
	function dashboard_login_logo_url(){

		if( tie_get_option( 'dashboard_logo_url' ) ){
			return tie_get_option( 'dashboard_logo_url' );
		}
	}


	/**
	 * Custom Dashboard login page logo
	 */
	function dashboard_login_logo(){

		if( tie_get_option( 'dashboard_logo' ) ){
			echo '<style type="text/css"> .login h1 a {  background-image:url('.tie_get_option( 'dashboard_logo' ).')  !important; background-size: contain; width: 320px; height: 85px; } </style>';
		}
	}



	/**
	 * Remove anything that looks like an archive title prefix ("Archive:", "Foo:", "Bar:").
	 */
	function archive_title( $title ){

		if ( is_category() ) {
			return single_cat_title( '', false );
		}
		elseif ( is_tag() ) {
			return single_tag_title( '', false );
		}
		elseif ( is_author() ) {
			return '<span class="vcard">' . get_the_author() . '</span>';
		}
		elseif ( is_post_type_archive() ) {
			return post_type_archive_title( '', false );
		}
		elseif ( is_tax() ) {
			return single_term_title( '', false );
		}

		return $title;
	}


	/**
	 * Add Number and Next / prev multiple post pages
	 */
	function pages_next_and_number( $args ){

		if( $args['next_or_number'] == 'next_and_number' ){

			global $page, $numpages, $multipage, $more;
			$args['next_or_number'] = 'number';
			$prev = '';
			$next = '';

			if ( $multipage && $more ){
				$i = $page - 1;
				if ( $i && $more ){
					$prev .= _wp_link_page($i);
					$prev .= $args['link_before']. $args['previouspagelink'] . $args['link_after'] . '</a>';
				}

				$i = $page + 1;
				if ( $i <= $numpages && $more ){
					$next .= _wp_link_page($i);
					$next .= $args['link_before']. $args['nextpagelink'] . $args['link_after'] . '</a>';
				}
			}

			$args['before'] = $args['before'].$prev;
			$args['after'] = $next.$args['after'];
		}

		return $args;
	}


	/**
	 * Excerpt More
	 */
	function excerpt_more( $more ){
		return ' &hellip;';
	}


	/**
	 * Theme Generator Meta
	 */
	function meta_generator(){

		$active_theme = wp_get_theme();

		if ( is_child_theme() ) {
			$active_theme = wp_get_theme( $active_theme->Template );
		}

		if( ! empty( $active_theme->Name ) ){
			$theme_info = apply_filters( 'TieLabs/theme_meta_generator', $active_theme->Name .' '.  TIELABS_DB_VERSION );
			if( ! empty( $theme_info ) ){
				echo "\n" . "<meta name='generator' content='' />" . "\n";
			}
		}
	}


	/**
	 * If the post doesn't have a Primary Category, use the Primary Category of Yoast if it is available
	 */
	function yoast_seo_primary_category( $category = false ){

		if( class_exists( 'WPSEO_Meta' ) ){

			$wpseo_primary_term = get_post_meta( get_the_id(), WPSEO_Meta::$meta_prefix . 'primary_category', true );

			if( ! empty( $wpseo_primary_term ) ){
				$get_the_category = TIELABS_WP_HELPER::get_term_by( 'id', $wpseo_primary_term, 'category' );

				if ( ! empty( $get_the_category ) && ! is_wp_error( $get_the_category ) ) {
					return $get_the_category;
				}
			}
		}

		return false;
	}


	/**
	 * Always return true, If there is a default featured image
	 */
	function has_post_thumbnail( $has_thumbnail ) {

		if( tie_get_option( 'default_featured_image' ) && tie_get_option( 'default_featured_image_id' ) ){
			$has_thumbnail = true;
		}

		return $has_thumbnail;
	}


	/**
	 * Set a default featured image if it is missing
	 */
	function default_featured_image( $html, $post_id, $post_thumbnail_id, $size, $attr ) {

		// Return if the post has a featured image
		if( ! empty( $html ) ){
			return $html;
		}

		// Check if the default eatured image option is active
		if( ! tie_get_option( 'default_featured_image' ) || ! tie_get_option( 'default_featured_image_id' ) ){
			return $html;
		}

		$default_thumbnail_id = tie_get_option( 'default_featured_image_id' ); // select the default thumb.

		return wp_get_attachment_image( $default_thumbnail_id, $size, false, $attr );
	}


	/**
	 * Translate numbers
	 */
	function translate_numbers( $the_number ) {

		if( ! ( is_admin() && ! wp_doing_ajax() ) ) {

			$translated_numbers = tie_get_option( 'translation_numbers' );

			if( ! empty( $translated_numbers ) && is_array( $translated_numbers ) && count( $translated_numbers ) == 10 ){

				$original_numbers = array( '0', '1', '2', '3', '4', '5', '6', '7', '8', '9' );
				return str_replace( $original_numbers, $translated_numbers, $the_number );
			}
		}

		return $the_number;
	}

}

// Single instance.
$TIELABS_FILTERS = new TIELABS_FILTERS();/**
 * Taqyeem Class
 *
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly



if( ! class_exists( 'TIELABS_TAQYEEM' ) ) {

	class TIELABS_TAQYEEM{

		/**
		 * __construct
		 *
		 * Class constructor where we will call our filter and action hooks.
		 */
		function __construct(){

			// Disable if the Taqyeem plugin is not active
			if( ! TIELABS_TAQYEEM_IS_ACTIVE ){
				return;
			}

			// Disable the Custom Styles and Typofraphy options
			add_filter( 'taqyeem_custom_styles', '__return_false' );

			// Disable Updater and Verification
			add_filter( 'Taqyeem/Updater/disable',      '__return_true' );
			add_filter( 'Taqyeem/Verification/disable', '__return_true' );

			// Disable the plugin Rich Snippets
			add_filter( 'tie_taqyeem_rich_snippets', '__return_false' );

			// Remove Shortcodes code and Keep the content
			add_filter( 'taqyeem_exclude_content', 'TIELABS_HELPER::strip_shortcodes' );

			// Dequeue Scripts and Styles
			add_filter( 'wp_enqueue_scripts', array( $this, 'enqueue_scripts' ), 50 );

			// Dequeue Scripts and Styles
			add_filter( 'admin_enqueue_scripts', array( $this, 'admin_enqueue_scripts' ), 50 );

			// Change the reviews head box class
			add_filter( 'taqyeem_reviews_head_classes', array( $this, 'review_head_class' ) );

			// Alter the Queries
			add_filter( 'TieLabs/Query/args', array( $this, 'best_reviews_query' ), 10, 2 );

			// Alter the Related Posts Query
			add_filter( 'TieLabs/related_posts_query', array( $this, 'related_posts_query' ) );

			// Alter the Check Also box Query
			add_filter( 'TieLabs/checkalso_query', array( $this, 'checkalso_query' ) );

			// Default Widgets Posts Thumb Size
			add_filter( 'tie_taqyeem_widget_thumb_size', array( $this, 'reviews_thumb_size' ) );

			// Allow the Rview Rich Snippet on Pages
			add_filter( 'TieLabs/is_page_rich_snippet', array( $this, 'rich_snippet_for_page' ) );

			// Change the Review Rich Snippet
			add_filter( 'TieLabs/rich_snippet_schema', array( $this, 'review_rich_snippet' ) );

			// Add Best Reviews to the post order option menu.
			add_filter( 'TieLabs/Options/Related/post_order_args',   array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Options/Checkalso/post_order_args', array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Builder/Block/post_order_args',     array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Settings/Category/posts_order',     array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Widget/Slider/post_order_args',     array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Widget/Posts/post_order_args',      array( $this, 'posts_order_args_2' ) );

			// Prevent Taqyeem from displaying the review box in the content block in the builder
			add_action( 'TieLabs/Builder/before', array( $this, 'remove_review_block' ) );

			// Replace the old icon classes with the new classes of Font Awesome 5.0
			add_filter( 'taqyeem_buttons_icon',  array( $this, 'replace_icon_fa5' ) );
		}


		/**
		 * Allow the Rview Rich Snippet on Pages
		 */
		function rich_snippet_for_page(){

			if( tie_get_postdata( 'taq_review_position' ) ){
				return true;
			}
		}


		/**
		 * Change the Review Rich Snippet
		 */
		function review_rich_snippet( $schema ){

			// Check if the Taqyeem Structured Data is active, current post has review and the Taqyeem version is >= 2.3.0
			if( ! taqyeem_get_option( 'structured_data' ) || ! tie_get_postdata( 'taq_review_position' ) || ! function_exists( 'taqyeem_review_get_rich_snippet' ) ){
				return $schema;
			}

			// Unset some data
			unset( $schema['articleBody'] );
			unset( $schema['articleSection'] );

			// Get the Review structure data
			$review_rich_snippet = taqyeem_review_get_rich_snippet();

			if( $review_rich_snippet['@type'] == 'product' ){
				$schema = $review_rich_snippet;
			}
			else{
				// Add the data to the post structure data
				$schema['@type']        = 'review';
				$schema['itemReviewed'] = $review_rich_snippet['itemReviewed'];
				$schema['reviewBody']   = $review_rich_snippet['reviewBody'];
				$schema['reviewRating'] = $review_rich_snippet['reviewRating'];
			}

			// return the modefied data
			return $schema;
		}


		/**
		 * Change the reviews head box class
		 */
		function review_head_class( $class ){
			return tie_get_box_class( $class );
		}


		/**
		 * Alter the query for the best reviews
		 */
		function best_reviews_query( $args, $block ){

			if( ! empty( $block['order'] ) && $block['order'] == 'best' ){
				$args['orderby']  = 'meta_value_num';
				$args['meta_key'] = 'taq_review_score';
			}

			return $args;
		}


		/**
		 * Alter the Related Posts Query
		 */
		function related_posts_query( $args ){

			if( tie_get_option( 'related_order' ) == 'best' ){
				$args['orderby']  = 'meta_value_num';
				$args['meta_key'] = 'taq_review_score';
			}

			return $args;
		}


		/**
		 * Alter the Check Also Query
		 */
		function checkalso_query( $args ){

			if( tie_get_option( 'check_also_order' ) == 'best' ){
				$args['orderby']  = 'meta_value_num';
				$args['meta_key'] = 'taq_review_score';
			}

			return $args;
		}


		/**
		 * Add Best Reviews to the post order option menu.
		 */
		function posts_order_args( $args ){

			$args['best'] = esc_html__( 'Best Reviews', TIELABS_TEXTDOMAIN );

			return $args;
		}


		/**
		 * Add Best Reviews to the post order option menu.
		 */
		function posts_order_args_2( $args ){

			$args['standard']['best'] = esc_html__( 'Best Reviews', TIELABS_TEXTDOMAIN );

			return $args;
		}


		/**
		 * Default Widgets Posts Thumb Size
		 */
		function reviews_thumb_size(){
			return TIELABS_THEME_SLUG.'-image-small';
		}


		/**
		 * Prevent Taqyeem from displaying the review box in the content block in the builder
		 */
		function remove_review_block(){
			remove_filter( 'the_content', 'taqyeem_insert_review' );
		}


		/**
		 * Dequeue Scripts and Styles
		 */
		function enqueue_scripts(){

			wp_dequeue_script( 'taqyeem-main' );
			wp_dequeue_style( 'taqyeem-style' );

			wp_enqueue_style( 'taqyeem-styles', TIELABS_TEMPLATE_URL.'/assets/css/plugins/taqyeem'. TIELABS_STYLES::is_minified() .'.css', array(), TIELABS_DB_VERSION, 'all' );

			if( ! is_admin() ){
				wp_dequeue_style( 'taqyeem-fontawesome' );
			}
		}


		/**
		 * Dequeue Scripts and Styles from admin
		 */
		function admin_enqueue_scripts(){

			// Don't Load the main Font Awesome file of the theme in the add/edit posts screens, avoid issue with Taqyeem Button which uses v4.0
			if( function_exists( 'tie_taqyeem_button_output' ) && get_post_type() ){

				wp_dequeue_style( 'tie-fontawesome' );
			}
		}


		/**
		 * Replace the old icon classes with the new classes of Font Awesome 5.0
		 */
		function replace_icon_fa5( $icon ){
			return tie_fa4_to_fa5_value_migration( $icon );
		}


	}


	// Instantiate the class
	new TIELABS_TAQYEEM();
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	<nav id="breadcrumb"><a href="https://baghdadtime.com/"><span class="tie-icon-home" aria-hidden="true"></span> Home</a><em class="delimiter">/</em><a href="https://baghdadtime.com/category/finance/">Finance</a><em class="delimiter">/</em><span class="current">The Best Homeowners Insurance in Illinois for 2021</span></nav><script type="application/ld+json">{"@context":"http:\/\/schema.org","@type":"BreadcrumbList","@id":"#Breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"item":{"name":"Home","@id":"https:\/\/baghdadtime.com\/"}},{"@type":"ListItem","position":2,"item":{"name":"Finance","@id":"https:\/\/baghdadtime.com\/category\/finance\/"}}]}</script>
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		<h1 class="post-title entry-title">The Best Homeowners Insurance in Illinois for 2021</h1>

		<div id="single-post-meta" class="post-meta clearfix"><span class="date meta-item tie-icon">September 22, 2021</span><div class="tie-alignright"><span class="meta-comment tie-icon meta-item fa-before">0</span><span class="meta-views meta-item "><span class="tie-icon-fire" aria-hidden="true"></span> 30 </span><span class="meta-reading-time meta-item"><span class="tie-icon-bookmark" aria-hidden="true"></span> 3 minutes read</span> </div></div><!-- .post-meta -->	</div><!-- .entry-header /-->

	
	
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<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">For those who&#8217;re a house owner in Illinois, you will usually pay rather less than the nationwide common on your residence insurance coverage. At a median of $1,481 per yr, residence insurance coverage in Illinois prices about $100 lower than the nationwide common of $1,585.</span></p>
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<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">BaghdadTime checked out 10 totally different insurers within the state to find out the perfect owners insurance coverage in Illinois. The charges on this evaluation are estimates based mostly on many elements, so your price might differ.</span></p>
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<p><h2 class="_2TEgi3 BzT_fR _2GMChG _3cybUP" data-currency="Text"><span class="_2TEgi3 BzT_fR _2GMChG _3-to_p">Greatest owners insurance coverage corporations in Illinois</span></h2>
</p>
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<div class="_3dD0mU _3lHM-S _3OSm_P">
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<p class="_2AzxIA _12nSiU">5.0</p>
<p><span class="_2TVGar">BaghdadTime score<!-- --> <button type="button" aria-expanded="false" aria-controls="article-client-4-1-1" aria-haspopup="dialog" class="_1EW4v_" title="How is this rating determined?"><span class="rTaFN5" aria-hidden="true"/><svg viewbox="0 0 24 24" aria-hidden="true" class="_2ulGkX" fill="currentcolor" focusable="false"><path d="M12 15.387c-.645 0-1.129.524-1.129 1.13 0 .644.484 1.128 1.129 1.128.605 0 1.129-.484 1.129-1.129 0-.605-.524-1.129-1.129-1.129zm.282-.968a.466.466 0 00.484-.484c0-1.733 3.145-1.612 3.145-4.314 0-2.056-1.854-3.266-3.951-3.266-1.815 0-2.823.726-3.67 1.814-.161.242-.12.525.121.686l.524.403c.202.121.484.08.646-.12.604-.767 1.21-1.17 2.379-1.17 1.613 0 2.338.847 2.338 1.653 0 1.734-3.145 1.492-3.145 4.314a.49.49 0 00.484.484h.645zM12 3.29c4.758 0 8.71 3.912 8.71 8.71A8.7 8.7 0 0112 20.71 8.673 8.673 0 013.29 12 8.699 8.699 0 0112 3.29zM12 2C6.476 2 2 6.516 2 12c0 5.524 4.476 10 10 10 5.484 0 10-4.476 10-10 0-5.484-4.516-10-10-10z"/></svg></button><span id="article-client-4-1-1" hidden="" style="display:none;position:fixed;left:0;top:0" role="dialog" tabindex="0" data-dialog="true" class="-LN1zx _2FzJPP" aria-label="How is this rating determined?"><span style="font-size:30px;width:1em;height:1em;pointer-events:none;top:100%" class="OFIpCG _38dR_u" aria-hidden="true"/><span>BaghdadTime&#8217;s scores are decided by our editorial group. The scoring formulation take note of a number of information factors for every monetary product and repair.</span></span></span></div>
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<p class="_2AzxIA _12nSiU">4.5</p>
<p><span class="_2TVGar">BaghdadTime score<!-- --> <button type="button" aria-expanded="false" aria-controls="article-client-4-2-1" aria-haspopup="dialog" class="_1EW4v_" title="How is this rating determined?"><span class="rTaFN5" aria-hidden="true"/><svg viewbox="0 0 24 24" aria-hidden="true" class="_2ulGkX" fill="currentcolor" focusable="false"><path d="M12 15.387c-.645 0-1.129.524-1.129 1.13 0 .644.484 1.128 1.129 1.128.605 0 1.129-.484 1.129-1.129 0-.605-.524-1.129-1.129-1.129zm.282-.968a.466.466 0 00.484-.484c0-1.733 3.145-1.612 3.145-4.314 0-2.056-1.854-3.266-3.951-3.266-1.815 0-2.823.726-3.67 1.814-.161.242-.12.525.121.686l.524.403c.202.121.484.08.646-.12.604-.767 1.21-1.17 2.379-1.17 1.613 0 2.338.847 2.338 1.653 0 1.734-3.145 1.492-3.145 4.314a.49.49 0 00.484.484h.645zM12 3.29c4.758 0 8.71 3.912 8.71 8.71A8.7 8.7 0 0112 20.71 8.673 8.673 0 013.29 12 8.699 8.699 0 0112 3.29zM12 2C6.476 2 2 6.516 2 12c0 5.524 4.476 10 10 10 5.484 0 10-4.476 10-10 0-5.484-4.516-10-10-10z"/></svg></button><span id="article-client-4-2-1" hidden="" style="display:none;position:fixed;left:0;top:0" role="dialog" tabindex="0" data-dialog="true" class="-LN1zx _2FzJPP" aria-label="How is this rating determined?"><span style="font-size:30px;width:1em;height:1em;pointer-events:none;top:100%" class="OFIpCG _38dR_u" aria-hidden="true"/><span>BaghdadTime&#8217;s scores are decided by our editorial group. The scoring formulation take note of a number of information factors for every monetary product and repair.</span></span></span></div>
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<p class="_2AzxIA _12nSiU">4.5</p>
<p><span class="_2TVGar">BaghdadTime score<!-- --> <button type="button" aria-expanded="false" aria-controls="article-client-4-3-1" aria-haspopup="dialog" class="_1EW4v_" title="How is this rating determined?"><span class="rTaFN5" aria-hidden="true"/><svg viewbox="0 0 24 24" aria-hidden="true" class="_2ulGkX" fill="currentcolor" focusable="false"><path d="M12 15.387c-.645 0-1.129.524-1.129 1.13 0 .644.484 1.128 1.129 1.128.605 0 1.129-.484 1.129-1.129 0-.605-.524-1.129-1.129-1.129zm.282-.968a.466.466 0 00.484-.484c0-1.733 3.145-1.612 3.145-4.314 0-2.056-1.854-3.266-3.951-3.266-1.815 0-2.823.726-3.67 1.814-.161.242-.12.525.121.686l.524.403c.202.121.484.08.646-.12.604-.767 1.21-1.17 2.379-1.17 1.613 0 2.338.847 2.338 1.653 0 1.734-3.145 1.492-3.145 4.314a.49.49 0 00.484.484h.645zM12 3.29c4.758 0 8.71 3.912 8.71 8.71A8.7 8.7 0 0112 20.71 8.673 8.673 0 013.29 12 8.699 8.699 0 0112 3.29zM12 2C6.476 2 2 6.516 2 12c0 5.524 4.476 10 10 10 5.484 0 10-4.476 10-10 0-5.484-4.516-10-10-10z"/></svg></button><span id="article-client-4-3-1" hidden="" style="display:none;position:fixed;left:0;top:0" role="dialog" tabindex="0" data-dialog="true" class="-LN1zx _2FzJPP" aria-label="How is this rating determined?"><span style="font-size:30px;width:1em;height:1em;pointer-events:none;top:100%" class="OFIpCG _38dR_u" aria-hidden="true"/><span>BaghdadTime&#8217;s scores are decided by our editorial group. The scoring formulation take note of a number of information factors for every monetary product and repair.</span></span></span></div>
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<div class="">
<p class="_2AzxIA _12nSiU">4.5</p>
<p><span class="_2TVGar">BaghdadTime score<!-- --> <button type="button" aria-expanded="false" aria-controls="article-client-4-4-1" aria-haspopup="dialog" class="_1EW4v_" title="How is this rating determined?"><span class="rTaFN5" aria-hidden="true"/><svg viewbox="0 0 24 24" aria-hidden="true" class="_2ulGkX" fill="currentcolor" focusable="false"><path d="M12 15.387c-.645 0-1.129.524-1.129 1.13 0 .644.484 1.128 1.129 1.128.605 0 1.129-.484 1.129-1.129 0-.605-.524-1.129-1.129-1.129zm.282-.968a.466.466 0 00.484-.484c0-1.733 3.145-1.612 3.145-4.314 0-2.056-1.854-3.266-3.951-3.266-1.815 0-2.823.726-3.67 1.814-.161.242-.12.525.121.686l.524.403c.202.121.484.08.646-.12.604-.767 1.21-1.17 2.379-1.17 1.613 0 2.338.847 2.338 1.653 0 1.734-3.145 1.492-3.145 4.314a.49.49 0 00.484.484h.645zM12 3.29c4.758 0 8.71 3.912 8.71 8.71A8.7 8.7 0 0112 20.71 8.673 8.673 0 013.29 12 8.699 8.699 0 0112 3.29zM12 2C6.476 2 2 6.516 2 12c0 5.524 4.476 10 10 10 5.484 0 10-4.476 10-10 0-5.484-4.516-10-10-10z"/></svg></button><span id="article-client-4-4-1" hidden="" style="display:none;position:fixed;left:0;top:0" role="dialog" tabindex="0" data-dialog="true" class="-LN1zx _2FzJPP" aria-label="How is this rating determined?"><span style="font-size:30px;width:1em;height:1em;pointer-events:none;top:100%" class="OFIpCG _38dR_u" aria-hidden="true"/><span>BaghdadTime&#8217;s scores are decided by our editorial group. The scoring formulation take note of a number of information factors for every monetary product and repair.</span></span></span></div>
</div>
</div>
</td>
<td class="ubdO3P aw6_ir"/></tr>
<tr class="vX26Nt">
<td class="ubdO3P" colspan="3">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="HWTE0M _2GMChG _3-to_p"><span class="_2GMChG _3-to_p">*USAA is obtainable solely to energetic navy, veterans and their households.</span></span></p>
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</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</div>
</div>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">You may customise your owners coverage with quite a few add-ons, however beneath are the forms of protection that typically come normal:</span></p>
</div>
<div class="_1aefop">
<div>
<div>
<div>
<div class="_3KeKBs">
<div class="OgOrnE">
<table class="_2MmLe1 _3dz4kj" tabindex="0">
<thead>
<tr class="aw6_ir">
<th class="_3h0fIa" scope="col"/>
<th class="_3h0fIa" scope="col"/></tr>
</thead>
<tbody>
<tr class="vX26Nt">
<td class="ubdO3P"/>
<td class="ubdO3P">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Pays to restore or rebuild the construction of your property.</span></p>
</div>
</div>
</td>
</tr>
<tr class="vX26Nt aw6_ir">
<td class="ubdO3P aw6_ir"/>
<td class="ubdO3P aw6_ir">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Covers harm to unattached buildings reminiscent of a shed or fence.</span></p>
</div>
</div>
</td>
</tr>
<tr class="vX26Nt">
<td class="ubdO3P"/>
<td class="ubdO3P">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Pays to restore or change private belongings reminiscent of furnishings or clothes.</span></p>
</div>
</div>
</td>
</tr>
<tr class="vX26Nt aw6_ir">
<td class="ubdO3P aw6_ir">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Further residing bills</span></p>
</div>
</div>
</td>
<td class="ubdO3P aw6_ir">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Pays for lodge stays, restaurant meals or different bills if you need to dwell elsewhere whereas your property undergoes lined repairs.</span></p>
</div>
</div>
</td>
</tr>
<tr class="vX26Nt">
<td class="ubdO3P"/>
<td class="ubdO3P">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Covers authorized bills and damages in case you&#8217;re liable for accidents to different folks or their property.</span></p>
</div>
</div>
</td>
</tr>
<tr class="vX26Nt aw6_ir">
<td class="ubdO3P aw6_ir"/>
<td class="ubdO3P aw6_ir">
<div class="_3dD0mU _3lHM-S _3OSm_P">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Covers accidents to visitors in your house, no matter fault.</span></p>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</div>
</div>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">This is slightly bit extra about every firm and the extras they provide.</span></p>
</div>
<p><h3 class="_1b9uhc BzT_fR _2tUimO _2GMChG _3cybUP" data-currency="Text"><span class="_1b9uhc BzT_fR _2tUimO _2GMChG _3-to_p">Chubb</span></h3>
</p>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Though Chubb is among the most costly insurers within the state, its normal coverage contains protection choices for which others typically cost additional. For instance, owners who purchase Chubb&#8217;s Masterpiece coverage can obtain the complete quantity it prices to interchange broken or destroyed private objects reasonably than the objects&#8217; depreciated worth.</span></p>
</div>
<p><h3 class="_1b9uhc BzT_fR _2tUimO _2GMChG _3cybUP" data-currency="Text"><span class="_1b9uhc BzT_fR _2tUimO _2GMChG _3-to_p">Nation Monetary</span></h3>
</p>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Nation Monetary presents three totally different ranges of householders insurance coverage. Its Premier stage contains protection that is distinctive to Nation Monetary, like paying to restore harm attributable to family accidents reminiscent of countertop burns or paint spills. Nation Monetary additionally presents a large variety of add-ons like protection for earthquake harm and bills related to id theft.</span></p>
</div>
<p><h3 class="_1b9uhc BzT_fR _2tUimO _2GMChG _3cybUP" data-currency="Text"><span class="_1b9uhc BzT_fR _2tUimO _2GMChG _3-to_p">State Farm</span></h3>
</p>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">State Farm&#8217;s normal &#8220;elevated dwelling restrict&#8221; protection might attraction to owners due to the monetary cushion it offers if it is advisable rebuild your property. So long as the house is insured for the quantity State Farm estimates it&#8217;s going to value to interchange it, State Farm offers as much as an extra 20% of that quantity ought to prices go up whereas rebuilding.</span></p>
</div>
<p><h3 class="_1b9uhc BzT_fR _2tUimO _2GMChG _3cybUP" data-currency="Text"><span class="_1b9uhc BzT_fR _2tUimO _2GMChG _3-to_p">USAA</span></h3>
</p>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">For those who&#8217;re an energetic navy member or a veteran, or in case you&#8217;re a member of the family of 1, USAA presents a number of advantages that usually value additional from different insurers. For instance, policyholders in most states are eligible for id theft protection and substitute value for broken or stolen private objects.</span></p>
</div>
<p><h2 class="_2TEgi3 BzT_fR _2GMChG _3cybUP" data-currency="Text"><span class="_2TEgi3 BzT_fR _2GMChG _3-to_p">Most cost-effective owners insurance coverage charges in Illinois</span></h2>
</p>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">BaghdadTime regarded on the charges from every insurer in all 1,419 ZIP codes in Illinois to search out the bottom residence insurance coverage premiums within the state. We discovered a statewide common annual premium of $1,481, however your price might differ relying on the place you reside. The distinction between the most cost effective and most costly charges in Illinois was over $1,000 per yr.</span></p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Listed here are the 5 most cost-effective owners insurance coverage charges in Illinois:</span></p>
</div>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">And this is a take a look at all of the obtainable charges:</span></p>
</div>
<p><h2 class="_2TEgi3 BzT_fR _2GMChG _3cybUP" data-currency="Text"><span class="_2TEgi3 BzT_fR _2GMChG _3-to_p">What to learn about owners insurance coverage in Illinois</span></h2>
</p>
<div class="_1aefop">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Right here are some things you will need to remember as you consider your choices for residence insurance coverage in Illinois:</span></p>
</div>
<div class="_1aefop">
<ul data-currency="List" class="_2Z_J0U">
<li class="Gb5VDK _3-H7TC _10r0Qr">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2tZLCS _2GMChG _3-to_p"><span class="_2tZLCS _2GMChG _3-to_p">It&#8217;s best to contemplate flood insurance coverage.</span></span><span class="_2GMChG _3-to_p"> Flood harm will not be usually lined by owners insurance coverage, so you will seemingly want a separate </span><span class="_2GMChG _3-to_p">flood insurance coverage</span><span class="_2GMChG _3-to_p"> coverage to be able to be lined. A flood insurance coverage coverage may be a good suggestion — particularly in case you dwell in an space vulnerable to flooding. FEMA&#8217;s </span><span class="_2GMChG _3-to_p">flood maps</span><span class="_2GMChG _3-to_p"> may also help inform you the flood danger at your deal with.</span></p>
</div>
</li>
</ul>
</div>
<div class="_1aefop">
<ul data-currency="List" class="_2Z_J0U">
<li class="Gb5VDK _3-H7TC _10r0Qr">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2tZLCS _2GMChG _3-to_p"><span class="_2tZLCS _2GMChG _3-to_p">Tornadoes is perhaps a risk.</span></span><span class="_2GMChG _3-to_p"> Illinois averages greater than 50 tornadoes per yr, with most occurring within the late spring and early summer time. A regular owners insurance coverage coverage usually covers harm attributable to a twister, together with any further residing bills you might need in case you&#8217;re briefly displaced from your property due to twister harm.</span></p>
</div>
</li>
<li class="Gb5VDK _3-H7TC _10r0Qr">
<div class="_3dD0mU _3lHM-S">
<p class="_2GMChG _3-to_p"><span class="_2tZLCS _2GMChG _3-to_p"><span class="_2tZLCS _2GMChG _3-to_p">Your price will differ relying on the place you reside.</span></span><span class="_2GMChG _3-to_p"> Typically, the farther south you reside in Illinois, the upper your common annual residence insurance coverage premium. To see the common price the place you reside, this is the county-by-county breakdown:</span></p>
</div>
</li>
</ul>
</div>
</div>
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		<script id="tie-schema-json" type="application/ld+json">{"@context":"http:\/\/schema.org","@type":"Article","dateCreated":"2021-09-22T00:46:09+00:00","datePublished":"2021-09-22T00:46:09+00:00","dateModified":"2021-09-22T00:46:09+00:00","headline":"The Best Homeowners Insurance in Illinois for 2021","name":"The Best Homeowners Insurance in Illinois for 2021","keywords":"Homeowners,Illinois,Insurance","url":"https:\/\/baghdadtime.com\/the-best-homeowners-insurance-in-illinois-for-2021\/","description":"For those who're a house owner in Illinois, you will usually pay rather less than the nationwide common on your residence insurance coverage. At a median of $1,481 per yr, residence insurance coverage","copyrightYear":"2021","articleSection":"Finance","articleBody":"For those who're a house owner in Illinois, you will usually pay rather less than the nationwide common on your residence insurance coverage. At a median of $1,481 per yr, residence insurance coverage in Illinois prices about $100 lower than the nationwide common of $1,585.BaghdadTime checked out 10 totally different insurers within the state to find out the perfect owners insurance coverage in Illinois. The charges on this evaluation are estimates based mostly on many elements, so your price might differ.Greatest owners insurance coverage corporations in Illinois5.0BaghdadTime score\u00a0BaghdadTime's scores are decided by our editorial group. The scoring formulation take note of a number of information factors for every monetary product and repair.4.5BaghdadTime score\u00a0BaghdadTime's scores are decided by our editorial group. The scoring formulation take note of a number of information factors for every monetary product and repair.4.5BaghdadTime score\u00a0BaghdadTime's scores are decided by our editorial group. The scoring formulation take note of a number of information factors for every monetary product and repair.4.5BaghdadTime score\u00a0BaghdadTime's scores are decided by our editorial group. The scoring formulation take note of a number of information factors for every monetary product and repair.*USAA is obtainable solely to energetic navy, veterans and their households.You may customise your owners coverage with quite a few add-ons, however beneath are the forms of protection that typically come normal:Pays to restore or rebuild the construction of your property.Covers harm to unattached buildings reminiscent of a shed or fence.Pays to restore or change private belongings reminiscent of furnishings or clothes.Further residing billsPays for lodge stays, restaurant meals or different bills if you need to dwell elsewhere whereas your property undergoes lined repairs.Covers authorized bills and damages in case you're liable for accidents to different folks or their property.Covers accidents to visitors in your house, no matter fault.This is slightly bit extra about every firm and the extras they provide.ChubbThough Chubb is among the most costly insurers within the state, its normal coverage contains protection choices for which others typically cost additional. For instance, owners who purchase Chubb's Masterpiece coverage can obtain the complete quantity it prices to interchange broken or destroyed private objects reasonably than the objects' depreciated worth.Nation MonetaryNation Monetary presents three totally different ranges of householders insurance coverage. Its Premier stage contains protection that is distinctive to Nation Monetary, like paying to restore harm attributable to family accidents reminiscent of countertop burns or paint spills. Nation Monetary additionally presents a large variety of add-ons like protection for earthquake harm and bills related to id theft.State FarmState Farm's normal \"elevated dwelling restrict\" protection might attraction to owners due to the monetary cushion it offers if it is advisable rebuild your property. So long as the house is insured for the quantity State Farm estimates it's going to value to interchange it, State Farm offers as much as an extra 20% of that quantity ought to prices go up whereas rebuilding.USAAFor those who're an energetic navy member or a veteran, or in case you're a member of the family of 1, USAA presents a number of advantages that usually value additional from different insurers. For instance, policyholders in most states are eligible for id theft protection and substitute value for broken or stolen private objects.Most cost-effective owners insurance coverage charges in IllinoisBaghdadTime regarded on the charges from every insurer in all 1,419 ZIP codes in Illinois to search out the bottom residence insurance coverage premiums within the state. We discovered a statewide common annual premium of $1,481, however your price might differ relying on the place you reside. The distinction between the most cost effective and most costly charges in Illinois was over $1,000 per yr.Listed here are the 5 most cost-effective owners insurance coverage charges in Illinois:And this is a take a look at all of the obtainable charges:What to learn about owners insurance coverage in IllinoisRight here are some things you will need to remember as you consider your choices for residence insurance coverage in Illinois:It's best to contemplate flood insurance coverage. Flood harm will not be usually lined by owners insurance coverage, so you will seemingly want a separate flood insurance coverage coverage to be able to be lined. A flood insurance coverage coverage may be a good suggestion \u2014 particularly in case you dwell in an space vulnerable to flooding. FEMA's flood maps may also help inform you the flood danger at your deal with.Tornadoes is perhaps a risk. Illinois averages greater than 50 tornadoes per yr, with most occurring within the late spring and early summer time. A regular owners insurance coverage coverage usually covers harm attributable to a twister, together with any further residing bills you might need in case you're briefly displaced from your property due to twister harm.Your price will differ relying on the place you reside. Typically, the farther south you reside in Illinois, the upper your common annual residence insurance coverage premium. To see the common price the place you reside, this is the county-by-county breakdown:\r\nSource link ","publisher":{"@id":"#Publisher","@type":"Organization","name":"Baghdad Time","logo":{"@type":"ImageObject","url":"https:\/\/baghdadtime.com\/wp-content\/uploads\/2021\/04\/Fichier-11.png"},"sameAs":["https:\/\/facebook.com\/NewsFeedHubCom","https:\/\/twitter.com\/NewsFeedHub","#","#"]},"sourceOrganization":{"@id":"#Publisher"},"copyrightHolder":{"@id":"#Publisher"},"mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/baghdadtime.com\/the-best-homeowners-insurance-in-illinois-for-2021\/","breadcrumb":{"@id":"#Breadcrumb"}},"author":{"@type":"Person","name":"ghaith","url":"https:\/\/baghdadtime.com\/author\/ghaith\/"},"image":{"@type":"ImageObject","url":"https:\/\/baghdadtime.com\/wp-content\/uploads\/2021\/09\/GettyImages-80380335-1440x864.jpg","width":1440,"height":864}}</script>
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