Gavop shows you how to buy homeowners insurance in Union 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $43,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $76,000 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $156,000 | $130,000 | $150,000-$175,000 |
| 4 Bedroom | $243,000 | $200,000 | $200,000-$250,000 |
| 5 Bedroom | $354,000 | $300,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$90 | $510 |
| Superior Protection Discount | -$54 | $546 |
| Fire & Security Discount | -$66 | $534 |
| Hail Resistant Roof Discount | -$18 | $582 |
| Newly Constructed Home Discount | -$162 | $438 |
| 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 |
| Union County | $700 | $593 | $1,293 | $431 | $1,131 | $162 |
| Union County, IL | $1,000 | $593 | $1,593 | $431 | $1,431 | $162 |
| Grand Chain, IL | $100 | $691 | $791 | $502 | $602 | $189 |
| Du Quoin No. 10, IL | $1,500 | $728 | $2,228 | $529 | $2,029 | $199 |
| Du Quoin No. 8, IL | $1,500 | $543 | $2,043 | $395 | $1,895 | $149 |
| Willisville, IL | $500 | $642 | $1,142 | $467 | $967 | $176 |
| Du Quoin No. 7, IL | $2,500 | $533 | $3,033 | $387 | $2,887 | $146 |
| Long Prairie, MO | $300 | $882 | $1,182 | $641 | $941 | $241 |
| Carlisle County, KY | $2,000 | $680 | $2,680 | $494 | $2,494 | $186 |
| Rosiclare, IL | $400 | $440 | $840 | $320 | $720 | $120 |
| Home Insurance Company Union County, IL | Homeowners Insurance Agency Union County, IL | Address | Popularity Score | Distance from Union County (miles) |
|---|---|---|---|---|
| Travelers | Polar Investment & Insurance Services Inc | 300 E Main St Ste 1, Carbondale, IL, 62901 | 17.5 | |
| Travelers | Polar Investment & Insurance Services Inc | 300 E Main St Ste 1, Carbondale, IL, 62901 | 17.5 | |
| State Farm | Bob Bahr | 2015 W Main St Ste 6, Carbondale, IL, 62901-2073 | 17.6 | |
| Liberty Mutual Independent | Oliver & Associates Inc | 2250 N Reed Station Pkwy, Carbondale, IL, 62901 | 19.1 | |
| Liberty Mutual Independent | Oliver & Associates Inc | 2250 N Reed Station Road Suite 105, Carbondale, IL, 62901 | 20.7 | |
| State Farm | Paul Lawrence | 305 E Broadway Blvd, Johnston City, IL, 62951-1606 | 29.6 | |
| Farmers | Steven Urban | 1000 Leigh Ave Ste F, Anna, IL, 62906 | 1.8 | |
| Travelers | Diederich Insurance Agency Llc | 506 W Main, Carbondale, IL, 62901 | 17.4 | |
| Allstate | Tammy S Vaughn | 105 N Emerald Ln, Carbondale, IL, 62901 | 17.4 | |
| Farmers | Marcus Owens | 116 E Main St, Benton, IL, 62812 | 40.4 |
| 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 |
| Union County, IL | $98,600 | $600 | $410 | $850 | $440 |
| Union County, IL | $98,600 | $600 | $400 | $830 | $430 |
| Grand Chain, IL | $115,600 | $699 | $500 | $1,000 | $500 |
| Du Quoin No. 10, IL | $129,000 | $737 | $490 | $1,010 | $520 |
| Du Quoin No. 8, IL | $73,200 | $550 | $380 | $760 | $380 |
| Willisville, IL | $100,200 | $650 | $440 | $900 | $460 |
| Du Quoin No. 7, IL | $70,500 | $539 | $370 | $740 | $370 |
| Long Prairie, MO | $85,500 | $893 | $640 | $1,260 | $620 |
| Carlisle County, KY | $89,200 | $688 | $490 | $970 | $480 |
| Rosiclare, IL | $49,800 | $445 | $310 | $610 | $300 |