Gavop shows you how to buy homeowners insurance in Herrin, IL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $29,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $85,500 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $99,500 | $90,000 | $100,000-$125,000 |
| 4 Bedroom | $119,000 | $110,000 | $125,000-$150,000 |
| 5 Bedroom | $141,000 | $130,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$142 | $693 |
| Superior Protection Discount | -$75 | $760 |
| Fire & Security Discount | -$75 | $760 |
| Hail Resistant Roof Discount | -$25 | $810 |
| Newly Constructed Home Discount | -$192 | $643 |
| 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 |
| Williamson County | $1,000 | $643 | $1,643 | $467 | $1,467 | $176 |
| Herrin, IL | $1,500 | $825 | $2,325 | $600 | $2,100 | $226 |
| Colp, IL | $400 | $451 | $851 | $327 | $727 | $123 |
| Goreville, IL | $1,000 | $643 | $1,643 | $467 | $1,467 | $176 |
| Goode, IL | $500 | $576 | $1,076 | $419 | $919 | $157 |
| Buncombe, IL | $1,000 | $439 | $1,439 | $319 | $1,319 | $120 |
| Bloomfield, IL | $200 | $760 | $960 | $552 | $752 | $208 |
| East Eldorado, IL | $2,500 | $469 | $2,969 | $341 | $2,841 | $128 |
| Cache, IL | $500 | $587 | $1,087 | $426 | $926 | $160 |
| Olmsted, IL | $2,500 | $522 | $3,022 | $379 | $2,879 | $143 |
| Cape Girardeau, MO | $500 | $989 | $1,489 | $718 | $1,218 | $270 |
| Metropolis No. 4, IL | $2,500 | $384 | $2,884 | $279 | $2,779 | $105 |
| Home Insurance Company Herrin, IL | Homeowners Insurance Agency Herrin, IL | Address | Popularity Score | Distance from Herrin (miles) |
|---|---|---|---|---|
| State Farm | Guy Dimaggio | 129 S Division St, Carterville, IL, 62918-1358 | 6.5 | |
| Travelers | Ramey Insurance Agency | 110 N Logan, West Frankfort, IL, 62896 | 6.2 | |
| Farmers | Brian Winters | 1011 Chestnut St, Murphysboro, IL, 62966 | 19.5 | |
| Liberty Mutual Independent | Oliver & Associates Inc | 2250 N Reed Station Road Suite 105, Carbondale, IL, 62901 | 10.3 | |
| State Farm | Ruben Owen | 174 W Broadway St, Sparta, IL, 62286-1633 | 44.5 | |
| State Farm | Rick Brockett | 312 E Poplar St, Harrisburg, IL, 62946-1529 | 25.1 | |
| State Farm | Paul Gentry | 1420 State St, Chester, IL, 62233-1312 | 46.1 | |
| Farmers | Scott Bates | 4203 Ilberry Rd Ste 3, Mount Vernon, IL, 62864 | 33.6 | |
| State Farm | Stan Graeff | 10519 Highway 149 Ste C, Murphysboro, IL, 62966-3300 | 18.9 | |
| Travelers | Central Illinois Agents Group Llc | 228 E St Louis St, Nashville, IL, 62263 | 42.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $580 | $1,170 | $590 |
| Williamson County, IL | $106,400 | $651 | $440 | $890 | $450 |
| Herrin, IL | $81,800 | $835 | $610 | $1,140 | $530 |
| Colp, IL | $52,000 | $456 | $330 | $620 | $290 |
| Goreville, IL | $100,300 | $651 | $440 | $920 | $480 |
| Goode, IL | $81,400 | $583 | $410 | $800 | $390 |
| Buncombe, IL | $49,600 | $444 | $320 | $630 | $310 |
| Bloomfield, IL | $141,700 | $769 | $520 | $1,080 | $560 |
| East Eldorado, IL | $56,100 | $475 | $320 | $670 | $350 |
| Cache, IL | $84,400 | $594 | $400 | $840 | $440 |
| Olmsted, IL | $67,900 | $528 | $350 | $720 | $370 |
| Cape Girardeau, MO | $142,500 | $1,001 | $680 | $1,430 | $750 |
| Metropolis No. 4, IL | $38,700 | $389 | $280 | $540 | $260 |