Gavop's guide to buying homeowners insurance in Jefferson County, IL covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $26,500 | $20,000 | $25,000-$50,000 |
| 2 Bedroom | $81,500 | $80,000 | $50,000-$75,000 |
| 3 Bedroom | $95,000 | $80,000 | $100,000-$125,000 |
| 4 Bedroom | $103,500 | $90,000 | $100,000-$125,000 |
| 5 Bedroom | $94,000 | $80,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$91 | $515 |
| Superior Protection Discount | -$61 | $546 |
| Fire & Security Discount | -$42 | $564 |
| Hail Resistant Roof Discount | -$12 | $594 |
| Newly Constructed Home Discount | -$146 | $461 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Jefferson County | $2,500 | $599 | $3,099 | $435 | $2,935 | $164 |
| Jefferson County, IL | $700 | $599 | $1,299 | $435 | $1,135 | $164 |
| Bonnie, IL | $300 | $504 | $804 | $366 | $666 | $138 |
| Crouch, IL | $2,000 | $723 | $2,723 | $526 | $2,526 | $198 |
| Clement, IL | $500 | $627 | $1,127 | $456 | $956 | $171 |
| Springerton, IL | $2,500 | $441 | $2,941 | $320 | $2,820 | $120 |
| Patoka, IL | $100 | $524 | $624 | $381 | $481 | $143 |
| Galatia, IL | $1,000 | $546 | $1,546 | $397 | $1,397 | $149 |
| Long Branch, IL | $500 | $914 | $1,414 | $664 | $1,164 | $250 |
| Zif, IL | $1,500 | $739 | $2,239 | $537 | $2,037 | $202 |
| Lone Grove, IL | $300 | $521 | $821 | $378 | $678 | $142 |
| La Clede, IL | $700 | $472 | $1,172 | $343 | $1,043 | $129 |
| Home Insurance Company Jefferson County, IL | Homeowners Insurance Agency Jefferson County, IL | Address | Popularity Score | Distance from Jefferson County (miles) |
|---|---|---|---|---|
| State Farm | Dave Brandmeyer | 9 E Broadway, Trenton, IL, 62293-1301 | 46.2 | |
| Erie | Willms & Yakel Insurance Agency | 411 W Gallatin Street, Vandalia, IL, 62471 | 46.5 | |
| Allstate | Jdc Insurance Group | 8 Eastwood Ln, Centralia, IL, 62801 | 17.1 | |
| State Farm | Allison Bash | 1 Mascoutah Plaza Dr, Mascoutah, IL, 62258-1350 | 49.2 | |
| State Farm | Jack Graham | 426 W Broadway, Centralia, IL, 62801-3112 | 19.7 | |
| Farmers | Jennifer Martin | 7 S Walnut St Ste A, Pinckneyville, IL, 62274 | 29.3 | |
| Travelers | Foppe Insurance Agency Inc | 215 N Main St., Breese, IL, 62230 | 39.0 | |
| Erie | Bob White Insurance Agency Llc | Po Box 832, Mount Vernon, IL, 62864 | 1.6 | |
| State Farm | Angie Borrelli | 171 N Sycamore St, Flora, IL, 62839-2033 | 34.9 | |
| Farmers | Joyce Odonnell | 303 N Main St, Flora, IL, 62839 | 34.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $590 | $1,180 | $590 |
| Jefferson County, IL | $92,700 | $606 | $440 | $840 | $400 |
| Jefferson County, IL | $92,700 | $606 | $440 | $840 | $400 |
| Bonnie, IL | $63,800 | $510 | $370 | $710 | $340 |
| Crouch, IL | $127,400 | $732 | $500 | $1,000 | $500 |
| Clement, IL | $95,700 | $635 | $440 | $900 | $460 |
| Springerton, IL | $50,000 | $446 | $310 | $630 | $320 |
| Patoka, IL | $68,300 | $530 | $380 | $730 | $350 |
| Galatia, IL | $73,800 | $553 | $370 | $760 | $390 |
| Long Branch, IL | $225,000 | $925 | $660 | $1,320 | $660 |
| Zif, IL | $133,300 | $748 | $540 | $1,060 | $520 |
| Lone Grove, IL | $67,600 | $527 | $360 | $730 | $370 |
| La Clede, IL | $56,700 | $478 | $340 | $670 | $330 |