Gavop shows you how to buy homeowners insurance in Morgan County, IL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Morgan County, 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 | |
| Nortonville Blacktop, Gravel Springs Rd, W Court St, Coronado St W, Adams St, Dinwiddie Rd, Woodson Franklin Rd, Hollkenbrink Dr, Albion St, Bills Rd | $152,500 | $130,000 | $125,000-$150,000 | $90,000 | $80,000 | $50,000-$75,000 |
| Woods Rd, Stewart Rd, Sharp St, Victoria Dr, Co Hwy 2, Bobbit Ln, Marion St, Irlam Rd, Lurton St, Bergschneider Rd | $150,000 | $130,000 | $125,000-$150,000 | $129,500 | $110,000 | $150,000-$175,000 |
| Co Rd 18 W, Plum St, E Court St, State Hwy 78 N, Sorrill Rd, Co Hwy 1, Crazy Horse Rd, North St, Lake Dr, Anderson St | $140,000 | $130,000 | $150,000-$175,000 | $73,000 | $70,000 | $50,000-$75,000 |
| Green Farm Rd, Newmans Aly, E Hughes St, W Pennsylvania Ave, S Marnico Ln, Applebee Farm Dr, E Main St, Co Line Rd, Martin Rd, Mud Creek Rd | $90,500 | $70,000 | $75,000-$100,000 | $92,000 | $80,000 | $75,000-$100,000 |
| Tendick Ln, Braner Rd, N Pearl St, Timber View Rd, Pitchford Rd, E Tremont St, Co Hwy 21, Yatesville Rd, Co Hwy 8, Jones St | $129,500 | $120,000 | $125,000-$150,000 | $85,500 | $70,000 | $75,000-$100,000 |
| W Railroad St, Cemetery Rd, N Curtiss St, N Collins Rd, Clark Rd, King St, N Prairie St, West St, Flinn Rd, Kentucky St | $122,500 | $110,000 | $100,000-$125,000 | $71,000 | $60,000 | $50,000-$75,000 |
| Fernwood Blvd, Caldwell St, W Hughes St, Home Place Rd, Washington St, Floyd Rd, Stevenson Dr, Yates Ave, N Clay Ave, Bellmont St | $161,500 | $150,000 | $175,000-$200,000 | $100,000 | $90,000 | $75,000-$100,000 |
| E Purcell St, Co Hwy 22, Shady Acres Dr, S Railroad St, Lincoln Rd, York St, Walter Lewis Ln, Twyford Rd, Pintail Ct, Thorndike Rd | $115,500 | $100,000 | $75,000-$100,000 | $72,000 | $70,000 | $75,000-$100,000 |
| Fbi Dr, Beard Ave, Chilton St, Marthas Ln, James Ln, Bedwell St, Road District Ave, Literberry Triopia Rd, S Fayette St, N Rosengobe Ave | $152,000 | $140,000 | $150,000-$175,000 | $97,500 | $80,000 | $100,000-$125,000 |
| Book Ln, Garvin Rd, German Rd, Holt Rd, Old Dump Rd, Sandusky St, E Vandalia St, Locust St, US Hwy 67, W Temple St | $189,000 | $170,000 | $150,000-$175,000 | $145,500 | $130,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$122 | $519 |
| Superior Protection Discount | -$58 | $583 |
| Fire & Security Discount | -$64 | $577 |
| Hail Resistant Roof Discount | -$19 | $622 |
| Newly Constructed Home Discount | -$141 | $500 |
| 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 |
| Morgan County | $2,500 | $633 | $3,133 | $460 | $2,960 | $173 |
| Morgan County, IL | $1,500 | $633 | $2,133 | $460 | $1,960 | $173 |
| Glasgow, IL | $400 | $494 | $894 | $359 | $759 | $135 |
| Montezuma, IL | $700 | $552 | $1,252 | $401 | $1,101 | $151 |
| Cantrall, IL | $400 | $762 | $1,162 | $554 | $954 | $208 |
| Pike County, IL | $700 | $818 | $1,518 | $595 | $1,295 | $224 |
| Pleasant Hill, IL | $500 | $491 | $991 | $357 | $857 | $134 |
| Jersey County, IL | $1,000 | $692 | $1,692 | $503 | $1,503 | $189 |
| Table Grove, IL | $200 | $474 | $674 | $345 | $545 | $130 |
| Barry, IL | $700 | $534 | $1,234 | $388 | $1,088 | $146 |
| Elsberry, MO | $400 | $889 | $1,289 | $646 | $1,046 | $243 |
| Johnson, IL | $2,500 | $854 | $3,354 | $620 | $3,120 | $233 |
| Home Insurance Company Morgan County, IL | Homeowners Insurance Agency Morgan County, IL | Address | Popularity Score | Distance from Morgan County (miles) |
|---|---|---|---|---|
| Farmers | Jason Hutchison | 625 E Morton Ave Ste E, Jacksonville, IL, 62650 | 1.1 | |
| Travelers | Gillmore-Allen Insurance Agency Inc | 605 Old Salem Rd, Petersburg, IL, 62675 | 27.5 | |
| State Farm | Tracy Olson | 106 W Elm St, Mason City, IL, 62664-1331 | 42.8 | |
| State Farm | Mike Mcnicholas | 4341 Conestoga Dr, Springfield, IL, 62711-8081 | 26.6 | |
| State Farm | Dick Coon | 236 W Cherry St, Winchester, IL, 62694-1023 | 15.0 | |
| Farmers | Robert Mudd | 606 W State St, Jacksonville, IL, 62650 | 2.2 | |
| Farmers | Jay Huston | 228a W Morton Ave, Jacksonville, IL, 62650 | 1.7 | |
| Allstate | Tim Maher | 1216 S Macarthur Blvd, Springfield, IL, 62704 | 28.9 | |
| Erie | Rezin Insurance | 3307 Robbins Road, Springfield, IL, 62704 | 26.2 | |
| State Farm | Tom Eoff | 275 N Westgate Ave, Jacksonville, IL, 62650-1700 | 3.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $610 | $1,160 | $550 |
| Morgan County, IL | $103,400 | $641 | $460 | $900 | $440 |
| Morgan County, IL | $103,400 | $641 | $430 | $920 | $490 |
| Glasgow, IL | $61,500 | $500 | $340 | $710 | $370 |
| Montezuma, IL | $75,300 | $559 | $380 | $770 | $390 |
| Cantrall, IL | $142,500 | $771 | $550 | $1,060 | $510 |
| Pike County, IL | $74,700 | $828 | $590 | $1,180 | $590 |
| Pleasant Hill, IL | $60,800 | $497 | $340 | $690 | $350 |
| Jersey County, IL | $135,400 | $700 | $500 | $990 | $490 |
| Table Grove, IL | $57,200 | $480 | $330 | $670 | $340 |
| Barry, IL | $70,700 | $540 | $380 | $770 | $390 |
| Elsberry, MO | $87,400 | $900 | $610 | $1,280 | $670 |
| Johnson, IL | $187,500 | $864 | $580 | $1,220 | $640 |