How Can I Make My Alton, IL Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Alton, 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.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Alton, IL Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $38,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $68,500 | $60,000 | $75,000-$100,000 |
| 3 Bedroom | $137,500 | $120,000 | $125,000-$150,000 |
| 4 Bedroom | $94,000 | $90,000 | $100,000-$125,000 |
| 5 Bedroom | $115,500 | $100,000 | $125,000-$150,000 |
Estimate your Savings with Home Insurance Discounts in Alton, IL | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$114 | $700 |
| Superior Protection Discount | -$81 | $733 |
| Fire & Security Discount | -$57 | $757 |
| Hail Resistant Roof Discount | -$16 | $798 |
| Newly Constructed Home Discount | -$171 | $643 |
Choose the Right Deductible for your Alton, 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 |
| Madison County | $2,000 | $709 | $2,709 | $515 | $2,515 | $194 |
| Alton, IL | $1,000 | $804 | $1,804 | $584 | $1,584 | $220 |
| Spanish Lake, MO | $100 | $959 | $1,059 | $697 | $797 | $262 |
| Mississippi, IL | $2,500 | $746 | $3,246 | $542 | $3,042 | $204 |
| Rivers, MO | $500 | $796 | $1,296 | $578 | $1,078 | $217 |
| Centreville, IL | $1,000 | $804 | $1,804 | $584 | $1,584 | $220 |
| Missouri River, MO | $400 | $1,139 | $1,539 | $828 | $1,228 | $311 |
| St. Paul, MO | $1,500 | $1,415 | $2,915 | $1,028 | $2,528 | $387 |
| Oakville, MO | $100 | $1,134 | $1,234 | $824 | $924 | $310 |
| Mills, IL | $2,500 | $807 | $3,307 | $587 | $3,087 | $221 |
| Murrayville, IL | $100 | $569 | $669 | $414 | $514 | $156 |
| Fillmore, IL | $1,500 | $578 | $2,078 | $420 | $1,920 | $158 |
Identify Top Home Insurance Agents near Alton, IL | Back to Top
| Home Insurance Company Alton, IL | Homeowners Insurance Agency Alton, IL | Address | Popularity Score | Distance from Alton (miles) |
|---|---|---|---|---|
| Travelers | Squier Insurance Agency Inc | 809 W Main St, Hardin, IL, 62047 | 30.9 | |
| Travelers | Macias Insurance Agency | 1101 W Delmar Ave, Godfrey, IL, 62035 | 3.0 | |
| Travelers | Aw Insurance | 435 S Buchanan Street Suite A, Edwardsville, IL, 62025 | 12.8 | |
| Travelers | Macias Insurance Agency | 1101 W Delmar Avenue, Godfrey, IL, 62035 | 3.0 | |
| Travelers | Watters Insurance Agency | 3 Airport Plaza, Bethalto, IL, 62010 | 5.2 | |
| State Farm | Chris Kane | 3055 Godfrey Rd, Godfrey, IL, 62035-1808 | 2.9 | |
| Travelers | Jim Lyons Insurance Agency | 420 W Us Highway 40 , Troy, IL, 62294 | 19.1 | |
| State Farm | Tom Lane | 116 W Bethalto Blvd, Bethalto, IL, 62010-1703 | 6.1 | |
| State Farm | Bill Granger | 610 E Bethalto Blvd, Bethalto, IL, 62010-1886 | 6.4 | |
| State Farm | Butch Chapel | 2709 Godfrey Rd, Godfrey, IL, 62035-3310 | 2.5 |
Compare Rates for Alton, 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 | $620 | $1,210 | $590 |
| Madison County, IL | $130,200 | $718 | $490 | $1,020 | $530 |
| Alton, IL | $80,400 | $814 | $550 | $1,150 | $600 |
| Spanish Lake, MO | $119,800 | $971 | $690 | $1,390 | $700 |
| Mississippi, IL | $136,000 | $755 | $550 | $1,060 | $510 |
| Rivers, MO | $164,700 | $806 | $550 | $1,150 | $600 |
| Centreville, IL | $52,800 | $814 | $550 | $1,130 | $580 |
| Missouri River, MO | $464,800 | $1,153 | $820 | $1,600 | $780 |
| St. Paul, MO | $294,200 | $1,432 | $1,050 | $1,980 | $930 |
| Oakville, MO | $209,000 | $1,148 | $780 | $1,640 | $860 |
| Mills, IL | $163,100 | $817 | $550 | $1,150 | $600 |
| Murrayville, IL | $79,700 | $576 | $420 | $820 | $400 |
| Fillmore, IL | $82,000 | $585 | $420 | $810 | $390 |
Research Home Insurance Companies Reviews in Alton, IL Before Buying | Back to Top
Share a review on your home insurance company
Meemic Insurance Home Insurance Reviews
Date: December 29, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
I have only used Meemic, so I am not certain how their offerings compare to those of other companies. They do offer the types of insurance that I need.
Progressive Home Insurance Reviews
Date: January 11, 2019 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Premium
The premiums are very fair and we actually have a much lower deductible than we had with our last company. I am very happy with the premiums.
State Farm Home Insurance Reviews
Date: December 04, 2018 Age: Above 60 Gender: Male Marital Status: Married
Premium
The only comparison I have is when we purchase the home last year. State farm was a much lower rate than what was offered by the lender
USAA Home Insurance Reviews
Date: October 26, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
Well, it's a company for veterans and military, so the premiums from USAA are the cheapest I could find. So I'm pretty happy with that. Plus, they cover even with heating with wood.
Farmer's Insurance Home Insurance Reviews
Date: February 06, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
My Famers Insurance agent is awesome. He is very helpful and responsive with many things that come up and always addresses them professionally.