Gavop's guide to buying homeowners insurance in Lee County, 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 | $45,500 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $113,000 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $181,000 | $160,000 | $150,000-$175,000 |
| 4 Bedroom | $205,000 | $190,000 | $150,000-$175,000 |
| 5 Bedroom | $283,000 | $230,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$109 | $572 |
| Superior Protection Discount | -$61 | $620 |
| Fire & Security Discount | -$61 | $620 |
| Hail Resistant Roof Discount | -$20 | $661 |
| Newly Constructed Home Discount | -$143 | $538 |
| 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 |
| Lee County | $700 | $673 | $1,373 | $489 | $1,189 | $184 |
| Lee County, IL | $2,000 | $673 | $2,673 | $489 | $2,489 | $184 |
| Afton, IL | $100 | $874 | $974 | $635 | $735 | $239 |
| Sandwich, IL | $1,000 | $683 | $1,683 | $496 | $1,496 | $187 |
| Silver Creek, IL | $200 | $794 | $994 | $577 | $777 | $217 |
| Burritt, IL | $700 | $843 | $1,543 | $612 | $1,312 | $230 |
| Farm Ridge, IL | $100 | $703 | $803 | $511 | $611 | $192 |
| Belvidere, IL | $700 | $725 | $1,425 | $527 | $1,227 | $198 |
| Kane County, IL | $200 | $875 | $1,075 | $636 | $836 | $239 |
| Davis, IL | $2,500 | $630 | $3,130 | $458 | $2,958 | $172 |
| Plato, IL | $500 | $787 | $1,287 | $572 | $1,072 | $215 |
| Penn, IL | $2,000 | $689 | $2,689 | $500 | $2,500 | $188 |
| Home Insurance Company Lee County, IL | Homeowners Insurance Agency Lee County, IL | Address | Popularity Score | Distance from Lee County (miles) |
|---|---|---|---|---|
| State Farm | Mike Nichols | 106 E Mcclure St, Kewanee, IL, 61443-3404 | 48.4 | |
| State Farm | Mike Lucas | 204 Genesis Dr, North Aurora, IL, 60542-2701 | 47.9 | |
| Travelers | Broadmoor Agency Inc | 321 W State St, Rockford, IL, 61101 | 37.7 | |
| Travelers | Hometowne Insurance Services Inc | 155b Chicago Rd, Oswego, IL, 60543 | 49.4 | |
| State Farm | Rodrigo Menendez | 1405 W Indian Trl, Aurora, IL, 60506-1345 | 49.1 | |
| State Farm | Rick Weissenhofer | 2261 Orchard Rd, Oswego, IL, 60543-5105 | 47.7 | |
| Travelers | Hometowne Insurance Services Inc | 155 Chicago Rd, Oswego, IL, 60543 | 49.4 | |
| State Farm | Omar Delgado | 569 W Galena Blvd Ste 101, Aurora, IL, 60506-3854 | 50.1 | |
| Allstate | Nathan Dean | 4025b Route 34, Oswego, IL, 60543 | 49.9 | |
| Allstate | Daniel Ross | 135 S Main St Unit 1, Elburn, IL, 60119 | 43.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $590 | $1,180 | $590 |
| Lee County, IL | $116,500 | $681 | $470 | $930 | $460 |
| Lee County, IL | $116,500 | $681 | $500 | $950 | $450 |
| Afton, IL | $199,800 | $885 | $630 | $1,230 | $600 |
| Sandwich, IL | $166,100 | $691 | $460 | $960 | $500 |
| Silver Creek, IL | $157,100 | $804 | $550 | $1,120 | $570 |
| Burritt, IL | $181,300 | $853 | $580 | $1,220 | $640 |
| Farm Ridge, IL | $120,100 | $712 | $510 | $1,020 | $510 |
| Belvidere, IL | $137,000 | $734 | $530 | $1,040 | $510 |
| Kane County, IL | $223,400 | $886 | $640 | $1,260 | $620 |
| Davis, IL | $96,600 | $638 | $450 | $870 | $420 |
| Plato, IL | $337,300 | $797 | $550 | $1,120 | $570 |
| Penn, IL | $115,100 | $697 | $470 | $990 | $520 |