Gavop's guide to buying homeowners insurance in Douglas, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $48,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $97,000 | $90,000 | $75,000-$100,000 |
| 3 Bedroom | $140,500 | $130,000 | $125,000-$150,000 |
| 4 Bedroom | $184,500 | $170,000 | $200,000-$250,000 |
| 5 Bedroom | $309,500 | $250,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$96 | $591 |
| Superior Protection Discount | -$62 | $625 |
| Fire & Security Discount | -$55 | $632 |
| Hail Resistant Roof Discount | -$14 | $674 |
| Newly Constructed Home Discount | -$186 | $502 |
| 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 |
| Effingham County | $700 | $726 | $1,426 | $528 | $1,228 | $199 |
| Douglas, IL | $2,000 | $679 | $2,679 | $493 | $2,493 | $186 |
| Holland, IL | $500 | $760 | $1,260 | $552 | $1,052 | $208 |
| Altamont, IL | $2,500 | $605 | $3,105 | $439 | $2,939 | $165 |
| St. Elmo, IL | $400 | $514 | $914 | $373 | $773 | $140 |
| Sefton, IL | $2,000 | $585 | $2,585 | $425 | $2,425 | $160 |
| Wilberton, IL | $400 | $812 | $1,212 | $590 | $990 | $222 |
| Shafter, IL | $1,000 | $724 | $1,724 | $526 | $1,526 | $198 |
| Moweaqua, IL | $300 | $594 | $894 | $432 | $732 | $162 |
| Locust, IL | $1,500 | $651 | $2,151 | $473 | $1,973 | $178 |
| Odin, IL | $500 | $492 | $992 | $358 | $858 | $134 |
| Flat Rock, IL | $2,000 | $464 | $2,464 | $337 | $2,337 | $127 |
| Home Insurance Company Douglas, IL | Homeowners Insurance Agency Douglas, IL | Address | Popularity Score | Distance from Douglas (miles) |
|---|---|---|---|---|
| Erie | Bob Oetting & Associates | 905 W Lincoln Avenue, Charleston, IL, 61920 | 28.3 | |
| Erie | Weis Insurance Agency Llc | 2101 S Banker Street, Effingham, IL, 62401 | 4.5 | |
| State Farm | Tim Huber | 111 S Pine St, Nokomis, IL, 62075-1650 | 41.4 | |
| Liberty Mutual Independent | Blanks Insurance Agency Llc | 515 S Whittle Avenue, Olney, IL, 62450 | 38.8 | |
| Allstate | First Neighbor Bank | 323 E 6th St, Neoga, IL, 62447 | 11.4 | |
| State Farm | Frank Allbright | 212 1st St, Pana, IL, 62557-1408 | 33.1 | |
| State Farm | Tom Henderson | 122 E Section Ave, Effingham, IL, 62401-3619 | 3.3 | |
| State Farm | Jeremy Jokisch | 1821 W Main St, Shelbyville, IL, 62565-9586 | 22.3 | |
| State Farm | Leon Gobczynski | 312 W Wabash Avenue, Effingham, IL, 62401-2668 | 3.8 | |
| State Farm | Joe L Meeks Clu, Chfc | 925 West Spresser, Taylorville, IL, 62568-1831 | 49.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $580 | $1,210 | $630 |
| Effingham County, IL | $137,300 | $735 | $500 | $1,050 | $550 |
| Douglas, IL | $129,800 | $687 | $470 | $980 | $510 |
| Holland, IL | $141,700 | $769 | $520 | $1,070 | $550 |
| Altamont, IL | $89,200 | $612 | $410 | $870 | $460 |
| St. Elmo, IL | $66,000 | $520 | $370 | $730 | $360 |
| Sefton, IL | $83,700 | $592 | $400 | $830 | $430 |
| Wilberton, IL | $165,600 | $822 | $570 | $1,130 | $560 |
| Shafter, IL | $127,500 | $733 | $530 | $1,010 | $480 |
| Moweaqua, IL | $86,100 | $601 | $430 | $850 | $420 |
| Locust, IL | $102,800 | $659 | $480 | $910 | $430 |
| Odin, IL | $61,100 | $498 | $340 | $690 | $350 |
| Flat Rock, IL | $55,000 | $470 | $320 | $670 | $350 |