How Can I Make My McHenry, IL Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in McHenry, 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.
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Estimate Appropriate McHenry, IL Home Insurance Coverage Levels | Back to Top
| McHenry, 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 | |
| William St, Patricia Ln, Chesapeake Dr, Ute Rd, Jodie Way, W Schneider Ln, Glenwood Ln, South Ave, W Oakleaf Dr, Loras Ln | $320,000 | $260,000 | $350,000-$400,000 | $199,000 | $180,000 | $150,000-$175,000 |
| Hazelwood Dr, Fawn Ln, Northside Ave, May Ave, Lucy Dr, Kendall Xing, Woodland Rd W, N Sudeenew Dr, Mayfair Dr, Spring Rd | $184,500 | $160,000 | $175,000-$200,000 | $151,500 | $140,000 | $150,000-$175,000 |
| Goodview Ave, Pine Dr, Draper Rd, W Grand Ave, Longford Dr, Central St, Aspen Dr, W High St, Garden Ct, N Court St | $149,500 | $140,000 | $150,000-$175,000 | $86,500 | $80,000 | $75,000-$100,000 |
| Freund Ave, Burning Tree Cir, N Freund Ave, Magnolia Ct, Waterford Ct, W Broadway St, North Blvd, Hilltop Ln, White Tail Ln, Wilmot Rd | $353,000 | $280,000 | $300,000-$350,000 | $219,500 | $200,000 | $250,000-$300,000 |
| Tia Juana Dr, Countryside Dr, Farmington Ln, Shorewood Dr, Florence St, Parkview Dr, Beaver Rd, Cypress Ct, Rand Rd, N Brown St | $205,500 | $170,000 | $175,000-$200,000 | $91,000 | $80,000 | $75,000-$100,000 |
| N Richmond Rd, S Oak Rd, Osage Rd, Oak Dr, Arbor Cir, Burr Oak Ct, Orchard Beach Rd, Circle Trl, Nimitz Dr, St Joseph Ct | $236,000 | $190,000 | $200,000-$250,000 | $144,000 | $120,000 | $125,000-$150,000 |
| Spring Creek Ln, S Elmkirk Park, Washington Park, E Northwood Dr, Tamarack Ct, Morris Ct, Talismon Ln, Golfview Ter, Oeffling Dr, Birch Dr | $161,500 | $140,000 | $125,000-$150,000 | $173,500 | $160,000 | $150,000-$175,000 |
| Ella Ct, Ivy Ln, N Chesapeake Dr, Landings Ct, Telegraph Rd, Gregory St, Ivy Ln, Donovan St, Mayfair Ave, Cottonwood Ct | $170,000 | $160,000 | $125,000-$150,000 | $105,500 | $90,000 | $75,000-$100,000 |
| Cork Ln, Willow Dr, Patricia Ln, Birch Ln, Chestnut Dr, Tomlinson Dr, N Wilmot Rd, Mar Dr, Clover Ln, Venice Ct | $201,500 | $180,000 | $200,000-$250,000 | $195,000 | $160,000 | $150,000-$175,000 |
| Rosemarie Dr, Freund Ave, Edgewood Ct, Dale Ave, Pebble Dr, N Nippersink Dr, Lakeland Ave, N Lenard Ave, N Millstream Dr, Cypress Dr | $242,500 | $200,000 | $250,000-$300,000 | $126,000 | $110,000 | $100,000-$125,000 |
Estimate your Savings with Home Insurance Discounts in McHenry, IL | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$139 | $677 |
| Superior Protection Discount | -$73 | $742 |
| Fire & Security Discount | -$65 | $751 |
| Hail Resistant Roof Discount | -$16 | $799 |
| Newly Constructed Home Discount | -$188 | $628 |
Choose the Right Deductible for your McHenry, IL Home | Back to Top
| 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 |
| McHenry County | $1,000 | $859 | $1,859 | $624 | $1,624 | $235 |
| McHenry, IL | $2,500 | $806 | $3,306 | $586 | $3,086 | $220 |
| Dorr, IL | $400 | $709 | $1,109 | $515 | $915 | $194 |
| McHenry County, IL | $2,500 | $859 | $3,359 | $624 | $3,124 | $235 |
| Lake Villa, IL | $300 | $843 | $1,143 | $613 | $913 | $230 |
| Hartland, IL | $1,000 | $951 | $1,951 | $691 | $1,691 | $260 |
| Warrenville, IL | $500 | $741 | $1,241 | $539 | $1,039 | $203 |
| North Aurora, IL | $700 | $777 | $1,477 | $565 | $1,265 | $212 |
| Oak Park, IL | $400 | $1,111 | $1,511 | $807 | $1,207 | $304 |
| Westmont, IL | $1,000 | $851 | $1,851 | $618 | $1,618 | $232 |
| Cicero, IL | $200 | $754 | $954 | $548 | $748 | $206 |
| Koshkonong, WI | $2,000 | $757 | $2,757 | $550 | $2,550 | $207 |
Identify Top Home Insurance Agents near McHenry, IL | Back to Top
| Home Insurance Company McHenry, IL | Homeowners Insurance Agency McHenry, IL | Address | Popularity Score | Distance from McHenry (miles) |
|---|---|---|---|---|
| State Farm | Kimberly Danlow | 423 S Dearborn St, Chicago, IL, 60605-1106 | 47.8 | |
| Allstate | Pete Fernandez | 800 N Clark St Ste 425, Chicago, IL, 60610 | 46.8 | |
| Travelers | Spring Grove Insurance | 2207 N Us Hwy 12 Ste F, Spring Grove, IL, 60081 | 5.0 | |
| State Farm | Cris Bimbi | 3425 W Elm St, Mchenry, IL, 60050-4400 | 2.0 | |
| Allstate | Aneta Boryczko | 6775 N Milwaukee Ave, Niles, IL, 60714 | 35.6 | |
| Travelers | Peak Financial Group Llc | 7330 W Lawrence Avenue, Harwood Heights, IL, 60706 | 36.9 | |
| State Farm | Mallory Jordan | 2340 S Eola Rd Ste 102, Aurora, IL, 60503-6411 | 45.6 | |
| State Farm | Bruce Horek | 10440 Cermak Rd, Westchester, IL, 60154-5201 | 41.5 | |
| Travelers | Riehn Insurance | 4541 N Lincoln Ave, Chicago, IL, 60625 | 41.5 | |
| Allstate | Michael Kuster | 480 W Half Day Rd, Buffalo Grove, IL, 60089 | 20.0 |
Compare Rates for McHenry, 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 | $1,220 | $630 |
| McHenry County, IL | $212,600 | $870 | $630 | $1,230 | $600 |
| McHenry, IL | $175,000 | $816 | $590 | $1,130 | $540 |
| Dorr, IL | $182,100 | $717 | $520 | $1,030 | $510 |
| McHenry County, IL | $212,600 | $870 | $590 | $1,240 | $650 |
| Lake Villa, IL | $196,700 | $854 | $620 | $1,180 | $560 |
| Hartland, IL | $249,800 | $963 | $650 | $1,360 | $710 |
| Warrenville, IL | $204,500 | $750 | $520 | $1,040 | $520 |
| North Aurora, IL | $232,300 | $786 | $530 | $1,110 | $580 |
| Oak Park, IL | $370,400 | $1,124 | $780 | $1,600 | $820 |
| Westmont, IL | $288,900 | $861 | $610 | $1,230 | $620 |
| Cicero, IL | $139,100 | $763 | $520 | $1,050 | $530 |
| Koshkonong, WI | $231,700 | $766 | $520 | $1,060 | $540 |
Research Home Insurance Companies Reviews in McHenry, IL Before Buying | Back to Top
Share a review on your home insurance company
Progressive Home Insurance Reviews
Date: January 10, 2020 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
I would give progressive a 5 for customer service, when purchasing a plan it was very easy to navigate the site and pick what was right for me. I've never had any issues with the company
Date: January 10, 2020 Age: 20 to 29 Gender: Male Marital Status: Married
Policy Offerings
OFFERS HERE ARE BEST AND BETTER WHEN COMPARED TO OTHER INSURANCE POLICIES.THE DEALING AND FAVORABLE FOR CUSTOMERS ARE BEST
Date: July 08, 2019 Age: 40 to 49 Gender: Unmarried Marital Status: Female
Policy Offerings
I would say my home insurance company policy offers the best possible price for the coverage comparable to other companies.
American Family Insurance Home Insurance Reviews
Date: September 10, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Customer Service
their services are so nice and also they response quickly any problems or any doubt
Date: November 10, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Customer Service
I have been with this company over 15 years and their service including claims has been very good and I have an outstanding local agent.
Farmer's Insurance Home Insurance Reviews
Date: December 25, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Premium
Every time i think of my premium I get dejected. It is way too high. I don't even know what my deductible is and I don't care. I just trust the system.
Date: December 25, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Policy Offerings
We are satisfied with Farmer's Insurance home insurance offerings. We have worked with them for years on our home and farm policy and they have given us the coverage we need and the service that we need too.
AAA Home Insurance Reviews
Date: December 29, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Premium
Our premium is very low, since we are long term, good customers and our deductible is average compared to other companies.
Liberty Mutual Home Insurance Reviews
Date: October 25, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
Compared to other companies its just a slight difference for auto, health, life, Home and annuity quotes.
Allstate Home Insurance Reviews
Date: January 18, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
When shopping around for home insurance, I largely considered the premium as a deciding factor. I am completely satisfied with the premium I pay and think it is a fair price to pay for the peace of mind.
GEICO Home Insurance Reviews
Date: November 24, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
They are usually terrible and cost way to much for no benefit unless a disaster occurs. I will go with someone else from now on. I need someone else.