How Can I Make My Charleston, IL Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Charleston, IL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Estimate Appropriate Charleston, IL Home Insurance Coverage Levels | Back to Top
| Charleston, IL - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| E Co Rd 1050 N, 1900E, 2200E, Heather Dr, E Co Rd 1180 N, Co Rd 1550 E, E Co Rd 590N, N Co Rd 2300 E, Jefferson Ave, Walnut St | $118,500 | $100,000 | $100,000-$125,000 | $82,500 | $70,000 | $50,000-$75,000 |
| Co Rd 17, N Co Rd 1800 E, N Co Rd 500 E, N 2nd St, N Co Rd 870 E, Co Rd 1130 N, E 2nd St, 2420 E, Sapphire St, 2100E | $151,000 | $120,000 | $125,000-$150,000 | $101,500 | $90,000 | $75,000-$100,000 |
| Co Rd 550 N, 1st St, N Co Rd 1800 E, Grover Cleveland St, E Co Rd 1600 N, Gracies Hollow, Salem Rd, Baker Dr, Co Rd 620 E, 800E | $86,000 | $80,000 | $75,000-$100,000 | $62,500 | $60,000 | $50,000-$75,000 |
| Co Rd 2, Harmony Ln, N 7th St, Division St, Washington St, W Grant Ave, Elm St, W Pierce Ave, N Co Rd 2250 E, 020N | $113,000 | $100,000 | $75,000-$100,000 | $99,500 | $90,000 | $75,000-$100,000 |
| Pearl St, Reynolds Dr, E Co Rd 2050 N, 1820E, Co Rd 6, W Cedar, 2780E, State Rte 133, Co Rd 1820 E, Co Rd 850 N | $110,500 | $100,000 | $100,000-$125,000 | $89,500 | $70,000 | $50,000-$75,000 |
| State Rte 316, Woodfield Ln, E Co Rd 1750 N, Olive Ave, Circle St, Cedar Dr, Forrest View Dr, N Co Rd 2720E, 600N, Adams St | $100,000 | $90,000 | $100,000-$125,000 | $76,000 | $70,000 | $75,000-$100,000 |
| N Co Rd 1600 E, April Ln, 20th St, N Co Rd 1110 E, Maple Ave, N Co Rd 2800 E, Hickory, 2100E, E Co Rd 620 N, N 10th St | $128,000 | $100,000 | $125,000-$150,000 | $138,500 | $120,000 | $150,000-$175,000 |
| Bypass Rd, Co Rd 1050 N, Co Rd 1380 E, Lakeshore Dr, 960N, E Walnut St, E Co Rd 220 N, Co Rd 650 N, W Chamberlin Dr, W Johnson Ave | $138,000 | $120,000 | $100,000-$125,000 | $133,500 | $110,000 | $125,000-$150,000 |
| Orchard Dr, Co Rd 720 N, N Co Rd 2100 E, N Co Rd 2270E, N 12th St, West St, A St, Audrey Ln, E Co Rd 1170 N, N Co Rd 1330E | $101,000 | $90,000 | $100,000-$125,000 | $81,500 | $70,000 | $75,000-$100,000 |
| A St, S Hazel St, W Locust Ave, W Grant Ave, Amber Ln, N 11th St, Persimmon Rd, Wilton Ct, 100N, 2300E | $114,500 | $100,000 | $100,000-$125,000 | $106,000 | $90,000 | $75,000-$100,000 |
Estimate your Savings with Home Insurance Discounts in Charleston, IL | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$91 | $516 |
| Superior Protection Discount | -$55 | $553 |
| Fire & Security Discount | -$61 | $547 |
| Hail Resistant Roof Discount | -$12 | $595 |
| Newly Constructed Home Discount | -$176 | $431 |
Choose your Charleston, IL Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,276 |
| Physical Damage | $2,392 |
| Hail Damage | $4,618 |
| Wind Damage | $6,433 |
| Expensive Claims | |
| Fire | $45,570 |
| Smoke | $17,556 |
Identify Top Home Insurance Agents near Charleston, IL | Back to Top
| Home Insurance Company Charleston, IL | Homeowners Insurance Agency Charleston, IL | Address | Popularity Score | Distance from Charleston (miles) |
|---|---|---|---|---|
| State Farm | Chris Booth | 1713 S State Street Suite 102, Champaign, IL, 61820-7265 | 42.5 | |
| State Farm | Sherri Branson | 612 Charleston Ave, Mattoon, IL, 61938-4305 | 9.3 | |
| State Farm | Rob Lipic | 1212 E Pershing Rd, Decatur, IL, 62526-4729 | 48.6 | |
| Travelers | Hall Insurance Services | 711 South Neil St, Champaign, IL, 61820 | 43.4 | |
| State Farm | Kurt Lenschow | 2309c Village Green Pl, Champaign, IL, 61822-7686 | 42.0 | |
| State Farm | John Caywood | 505 E University Ave Ste A, Champaign, IL, 61820-3848 | 43.9 | |
| Allstate | Dustin Hiser | 604 S Neil St Ste 104, Champaign, IL, 61820 | 43.5 | |
| Allstate | William Abel | 103 N Dunlap Ave, Savoy, IL, 61874 | 39.7 | |
| State Farm | Dan Lutz | 9 N Main St, Altamont, IL, 62411-1446 | 41.8 | |
| State Farm | Brian Hanson | 408 N Race St Ste A, Urbana, IL, 61801-2655 | 43.8 |
Compare Rates for Charleston, IL Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $590 | $1,170 | $580 |
| Coles County, IL | $93,800 | $609 | $410 | $840 | $430 |
| Charleston, IL | $100,900 | $607 | $430 | $830 | $400 |
| Sumpter, IL | $76,700 | $564 | $380 | $780 | $400 |
| Arcola, IL | $97,500 | $641 | $430 | $880 | $450 |
| Windsor, IL | $80,700 | $580 | $420 | $820 | $400 |
| Vigo County, IN | $90,700 | $694 | $470 | $980 | $510 |
| Terre Haute, IN | $76,600 | $638 | $430 | $880 | $450 |
| Macon, IL | $94,300 | $630 | $450 | $860 | $410 |
| Decatur, IL | $80,600 | $947 | $670 | $1,330 | $660 |
| Ogden, IL | $139,600 | $764 | $560 | $1,080 | $520 |
| Belgium, IL | $70,000 | $537 | $380 | $760 | $380 |
| Boody, IL | $75,800 | $561 | $380 | $770 | $390 |
Research Home Insurance Companies Reviews in Charleston, IL Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: March 07, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
Extremely helpful and easy to access, also the amount of time spent on hold is very low considering their overall customer population to be grand.
Date: January 21, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Premium
I am satisfied with the premium and deductible of my policy. Although I am not one hundred percent sure how it is comparable to other rates, it is fairly inexpensive and I do not feel that it is unreasonable considering the type and amount of coverage.
Date: October 24, 2018 Age: Above 60 Gender: Female Marital Status: Married
Customer Service
I dis like talking to the foreign individuals who pretend to be from the united states. they don't speak english
Allstate Home Insurance Reviews
Date: November 18, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Premium
I would rate the premium and deductible a 3. Despite my income not as high as I want it to be, All state is an expensive policy to hold. You get what you pay for.