Gavop's guide to buying homeowners insurance in O'Fallon, 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.
| O'Fallon, IL - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Stone Briar Dr, S Alton St, Meadowbruck Ln, Cambridge Blvd, Pierce Blvd, Rogue River, N St Clair St, Northridge Ct, Oak Dr, Samuel Adams Cir | $234,000 | $200,000 | $200,000-$250,000 | $322,500 | $300,000 | $350,000-$400,000 |
| W 3rd St, W Kavanaugh St, W North St, Illini Dr, Derrick Dr, Ponderosa Ave, Central Ave, Catalina Dr, Scott Troy Rd, Ruth Dr | $117,500 | $100,000 | $100,000-$125,000 | $261,000 | $210,000 | $300,000-$350,000 |
| Somerset Ln, Pacific Crossing Dr, Sussex Way, Edna Dr, Edgewater St, Ash Creek Dr, Civic Plz, Arbor Cove Dr, Natasha Cir, Persimmon Dr | $156,500 | $140,000 | $175,000-$200,000 | $195,500 | $170,000 | $200,000-$250,000 |
| S Yale Dr, Shiloh Valley Twp Line Rd, Janet Dr, State Rte 2, Roundtable Ct, Pin Oak Ln, Mansion Way, Portsmith Place Dr, Witte Rd, Federal-Aid Sec 846 | $152,500 | $120,000 | $150,000-$175,000 | $323,000 | $280,000 | $350,000-$400,000 |
| Greenfield Pl, Leclaire Ct, Eastgate Dr, Dunhill Dr, Pepperwood Ct, N Eades Ln, Ruppel Ln, Schwaegel Rd, Bentwater Ln, Diamond Ct | $168,500 | $140,000 | $125,000-$150,000 | $224,500 | $200,000 | $200,000-$250,000 |
| Estate Dr, Hagemann Rd, Sunnyside School Rd, Stanton St, Co Hwy 10 Exd, Country Line Rd, Montrose Ct, Merrill St, Schantz Dr, Kensington Pl | $235,500 | $210,000 | $200,000-$250,000 | $317,500 | $300,000 | $250,000-$300,000 |
| Sherryl Ct, Shallowbrook Dr, Turtle Creek Ct, Granite Dr, Essex Way, Federal Aid Secondary, State Rte 4, N Cherry St, Bethel Rd, W Martin St | $183,500 | $160,000 | $175,000-$200,000 | $321,000 | $300,000 | $300,000-$350,000 |
| Springhill Ct, Sylvan Vista Dr, S Clinton Rd, Park Entrance Pl, Park Plaza Dr, Bowler Rd, Silver Valley Rd, Sassafras Ln, Central St, Summerfield South Rd | $253,500 | $210,000 | $250,000-$300,000 | $356,000 | $300,000 | $400,000-$500,000 |
| W Winters St, Galaxy Dr, Amy Dr, E Brookhaven Dr, Thomas Paine Cir, Spruce Dr, River Ln, Hodgens Mill Ln, Janeita Dr, N Horner St | $250,000 | $210,000 | $250,000-$300,000 | $221,000 | $210,000 | $250,000-$300,000 |
| E Wakefield St, Parkland Blvd, S Dew St, S Camp St, Autumn Harvest Dr, Timber Oak Dr, E Clay St, Briar Meadow Ct, Carbon Hill Rd, Capri Ln | $223,500 | $180,000 | $200,000-$250,000 | $310,000 | $270,000 | $300,000-$350,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$59 | $678 |
| Home and Two Car | -$125 | $611 |
| Home and Three Car | -$184 | $553 |
| 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 |
| St. Clair County | $700 | $689 | $1,389 | $501 | $1,201 | $188 |
| O'Fallon, IL | $700 | $728 | $1,428 | $529 | $1,229 | $199 |
| Pin Oak, IL | $300 | $983 | $1,283 | $714 | $1,014 | $269 |
| Sugar Creek, IL | $2,500 | $681 | $3,181 | $495 | $2,995 | $186 |
| Hartford, IL | $500 | $531 | $1,031 | $386 | $886 | $145 |
| Grantwood Village, MO | $1,000 | $1,624 | $2,624 | $1,180 | $2,180 | $444 |
| Overland, MO | $100 | $750 | $850 | $545 | $645 | $205 |
| Greenville, IL | $1,500 | $603 | $2,103 | $438 | $1,938 | $165 |
| Pilot Knob, IL | $500 | $829 | $1,329 | $602 | $1,102 | $227 |
| Shipman, IL | $700 | $695 | $1,395 | $505 | $1,205 | $190 |
| O'Fallon, MO | $300 | $865 | $1,165 | $628 | $928 | $236 |
| North Litchfield, IL | $1,500 | $663 | $2,163 | $482 | $1,982 | $181 |
| Home Insurance Company O'Fallon, IL | Homeowners Insurance Agency O'Fallon, IL | Address | Popularity Score | Distance from O'Fallon (miles) |
|---|---|---|---|---|
| Allstate | Trinas Neely | 525 Lincoln Hwy Ste 24, Fairview Heights, IL, 62208 | 3.5 | |
| Liberty Mutual Independent | Yaekel & Associates Inc | 1915 W Main St, Belleville, IL, 62226 | 7.3 | |
| Travelers | Deluca Insurance Services | 219 E Highway 40, Troy, IL, 62294 | 8.6 | |
| State Farm | Kate Elder | 1040 Carlyle Ave, Belleville, IL, 62221-5533 | 5.7 | |
| Travelers | Mueller Schneidewind Koeneman Agency Inc | 500 Southview Plaza Ste 17, Fallon, IL, 62269 | 1.1 | |
| Allstate | Bill G Hamilton | 1207 Thouvenot Ln Ste 1100, Shiloh, IL, 62269 | 2.4 | |
| Allstate | Don Forhan | 6909 W Main St, Belleville, IL, 62223 | 7.5 | |
| State Farm | Paul Gentry | 1420 State St, Chester, IL, 62233-1312 | 47.3 | |
| State Farm | Tony White | 10005 Old Lincoln Trail, Fairview Heights, IL, 62208-2452 | 5.5 | |
| Travelers | K & K Insurance Services Inc | 5109 N Illinois St Ste F, Fairview Heights, IL, 62208 | 4.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $590 | $1,200 | $610 |
| St. Clair County, IL | $122,600 | $697 | $470 | $1,000 | $530 |
| O'Fallon, IL | $195,200 | $737 | $540 | $1,050 | $510 |
| Pin Oak, IL | $270,700 | $995 | $670 | $1,400 | $730 |
| Sugar Creek, IL | $164,400 | $689 | $470 | $960 | $490 |
| Hartford, IL | $70,000 | $537 | $370 | $750 | $380 |
| Grantwood Village, MO | $359,000 | $1,644 | $1,200 | $2,250 | $1,050 |
| Overland, MO | $88,400 | $759 | $550 | $1,070 | $520 |
| Greenville, IL | $101,800 | $610 | $450 | $870 | $420 |
| Pilot Knob, IL | $174,000 | $839 | $570 | $1,200 | $630 |
| Shipman, IL | $117,000 | $703 | $500 | $970 | $470 |
| O'Fallon, MO | $207,700 | $875 | $630 | $1,230 | $600 |
| North Litchfield, IL | $106,400 | $671 | $490 | $930 | $440 |