Gavop's guide to buying homeowners insurance in Winnebago, 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 | $64,500 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $126,000 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $153,500 | $130,000 | $125,000-$150,000 |
| 4 Bedroom | $263,000 | $240,000 | $200,000-$250,000 |
| 5 Bedroom | $448,500 | $420,000 | $350,000-$400,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$61 | $612 |
| Home and Two Car | -$114 | $558 |
| Home and Three Car | -$155 | $518 |
| 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 |
| Winnebago County | $2,500 | $671 | $3,171 | $488 | $2,988 | $183 |
| Winnebago, IL | $2,000 | $665 | $2,665 | $483 | $2,483 | $182 |
| Caledonia, IL | $400 | $688 | $1,088 | $500 | $900 | $188 |
| Albany, WI | $2,000 | $577 | $2,577 | $419 | $2,419 | $158 |
| Evansville, WI | $400 | $670 | $1,070 | $487 | $887 | $183 |
| Milton, WI | $1,500 | $614 | $2,114 | $446 | $1,946 | $168 |
| Waterman, IL | $500 | $785 | $1,285 | $571 | $1,071 | $215 |
| Woodford, WI | $2,500 | $595 | $3,095 | $432 | $2,932 | $163 |
| Meriden, IL | $200 | $794 | $994 | $577 | $777 | $217 |
| Derinda, IL | $2,000 | $872 | $2,872 | $634 | $2,634 | $238 |
| Morrison, IL | $100 | $629 | $729 | $457 | $557 | $172 |
| Lauderdale Lakes, WI | $1,500 | $862 | $2,362 | $626 | $2,126 | $235 |
| Home Insurance Company Winnebago, IL | Homeowners Insurance Agency Winnebago, IL | Address | Popularity Score | Distance from Winnebago (miles) |
|---|---|---|---|---|
| State Farm | Mabel Esquivel | 360 S Division St Ste 5, Harvard, IL, 60033-3200 | 33.3 | |
| State Farm | Erik Abrahamsen | 1890 Daimler Rd, Rockford, IL, 61112-1006 | 12.6 | |
| State Farm | Tim Volz | 48 Jefferson St, Savanna, IL, 61074-1624 | 48.9 | |
| State Farm | Roy Dern | 2701 Woodlawn Rd, Sterling, IL, 61081-4131 | 38.1 | |
| Allstate | Gary Bonick | 10 Virginia Rd, Crystal Lake, IL, 60014 | 46.5 | |
| State Farm | Roger Beeler | 2636 Schaid Ct, Mchenry, IL, 60051-4485 | 49.7 | |
| Farmers | Mark Bauman | 384 W Virginia St, Crystal Lake, IL, 60014 | 45.8 | |
| State Farm | Carlos Escobedo | 515 E Algonquin Rd, Algonquin, IL, 60102-3004 | 48.7 | |
| Allstate | Daniel Ross | 135 S Main St Unit 1, Elburn, IL, 60119 | 45.9 | |
| Farmers | David Dewitt | 1831 Larkin Ave, Elgin, IL, 60123 | 48.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $570 | $1,200 | $630 |
| Winnebago County, IL | $115,900 | $679 | $460 | $960 | $500 |
| Winnebago, IL | $155,400 | $673 | $490 | $950 | $460 |
| Caledonia, IL | $168,800 | $696 | $470 | $980 | $510 |
| Albany, WI | $120,900 | $584 | $410 | $800 | $390 |
| Evansville, WI | $165,100 | $678 | $490 | $940 | $450 |
| Milton, WI | $136,000 | $621 | $440 | $860 | $420 |
| Waterman, IL | $152,800 | $795 | $540 | $1,110 | $570 |
| Woodford, WI | $128,100 | $602 | $410 | $860 | $450 |
| Meriden, IL | $156,900 | $804 | $540 | $1,100 | $560 |
| Derinda, IL | $198,500 | $883 | $590 | $1,230 | $640 |
| Morrison, IL | $96,400 | $637 | $470 | $890 | $420 |
| Lauderdale Lakes, WI | $327,700 | $872 | $630 | $1,190 | $560 |