How Can I Make My Crystal Lake, IL Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Crystal Lake, IL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Crystal Lake, IL Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $94,000 | $90,000 | $75,000-$100,000 |
| 2 Bedroom | $210,000 | $170,000 | $200,000-$250,000 |
| 3 Bedroom | $253,500 | $220,000 | $300,000-$350,000 |
| 4 Bedroom | $375,000 | $350,000 | $350,000-$400,000 |
| 5 Bedroom | $396,000 | $340,000 | $300,000-$350,000 |
Estimate your Savings with Home Insurance Discounts in Crystal Lake, IL | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$164 | $699 |
| Superior Protection Discount | -$86 | $777 |
| Fire & Security Discount | -$95 | $768 |
| Hail Resistant Roof Discount | -$17 | $846 |
| Newly Constructed Home Discount | -$181 | $682 |
Choose the Right Deductible for your Crystal Lake, 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 | $2,500 | $859 | $3,359 | $624 | $3,124 | $235 |
| Crystal Lake, IL | $2,500 | $853 | $3,353 | $620 | $3,120 | $233 |
| Cuba, IL | $400 | $985 | $1,385 | $716 | $1,116 | $269 |
| Pistakee Highlands, IL | $1,500 | $759 | $2,259 | $551 | $2,051 | $207 |
| Twin Lakes, WI | $300 | $641 | $941 | $466 | $766 | $175 |
| Mettawa, IL | $2,000 | $2,630 | $4,630 | $1,911 | $3,911 | $719 |
| Warren, IL | $400 | $894 | $1,294 | $650 | $1,050 | $244 |
| Knollwood, IL | $1,000 | $1,009 | $2,009 | $733 | $1,733 | $276 |
| Forest Park, IL | $300 | $921 | $1,221 | $669 | $969 | $252 |
| Wheatland, IL | $700 | $846 | $1,546 | $615 | $1,315 | $231 |
| Summit, IL | $500 | $669 | $1,169 | $486 | $986 | $183 |
| Alto, IL | $1,000 | $794 | $1,794 | $577 | $1,577 | $217 |
Identify Top Home Insurance Agents near Crystal Lake, IL | Back to Top
| Home Insurance Company Crystal Lake, IL | Homeowners Insurance Agency Crystal Lake, IL | Address | Popularity Score | Distance from Crystal Lake (miles) |
|---|---|---|---|---|
| Erie | Northwest Insurance Services | 1350 Remington Road Suite C, Schaumburg, IL, 60173 | 19.3 | |
| Liberty Mutual Independent | Bgs Insurance Agency | 3295 N Arlington Heights Rd, Arlington Heights, IL, 60004 | 19.2 | |
| State Farm | Phil Horn | 105 W Main St, Cary, IL, 60013-2718 | 5.1 | |
| Travelers | International Irm Inc | 1228 W Northwest Hwy, Palatine, IL, 60067 | 15.3 | |
| Farmers | Mark Bauman | 384 W Virginia St, Crystal Lake, IL, 60014 | 0.0 | |
| Travelers | Rb Target Insurance Agency Inc | 2145 S Meacham Rd, Palatine, IL, 60067 | 18.7 | |
| State Farm | George Rapinchuk | 55 S Addison Rd, Addison, IL, 60101-3807 | 27.7 | |
| Travelers | C & G Insurance Agency Inc | 900 S Frontage Rd Ste 375, Woodridge, IL, 60517 | 39.6 | |
| State Farm | Emillie An | 1024 S Mchenry Ave Ste B, Crystal Lake, IL, 60014-7477 | 1.4 | |
| Allstate | Stephen Hapanovich | 60 E Main St, Cary, IL, 60013 | 5.3 |
Compare Rates for Crystal Lake, 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 | $1,220 | $600 |
| McHenry County, IL | $212,600 | $870 | $630 | $1,230 | $600 |
| Crystal Lake, IL | $208,500 | $863 | $580 | $1,230 | $650 |
| Cuba, IL | $459,800 | $997 | $680 | $1,430 | $750 |
| Pistakee Highlands, IL | $141,100 | $768 | $550 | $1,070 | $520 |
| Twin Lakes, WI | $177,100 | $649 | $430 | $930 | $500 |
| Mettawa, IL | $889,700 | $2,662 | $1,810 | $3,700 | $1,890 |
| Warren, IL | $236,400 | $905 | $650 | $1,290 | $640 |
| Knollwood, IL | $286,600 | $1,021 | $690 | $1,400 | $710 |
| Forest Park, IL | $229,600 | $932 | $670 | $1,280 | $610 |
| Wheatland, IL | $369,100 | $857 | $570 | $1,170 | $600 |
| Summit, IL | $157,700 | $677 | $450 | $940 | $490 |
| Alto, IL | $156,700 | $804 | $590 | $1,120 | $530 |
Research Home Insurance Companies Reviews in Crystal Lake, IL Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: October 24, 2019 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Premium
The premium and deductible is in line with that other other companies I've compared. It wasn't the cheapest policy but it also wasn't the highest. Middle of the road.
Date: April 07, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
I've Had State Farm for a long time and they give me very competitive prices. Though one time I've had to file a claim they were prompt and clear about what needed to be done
Date: March 08, 2019 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Premium
the deductible is much better than other insurers because with the services that go along with the policy it makes them better than the competition
Date: November 12, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Communication
I like that I can contact my agent by email or phone and that it's a simple process. I like that my agent doesn't make it seem like a problem when I call. I wish my agent had a chat option.
Date: November 01, 2018 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Premium
My premium is a bit high. The reason for this is I had an accident and my husband also had and accident so we are paying for that through out premium.
Hanover Home Insurance Reviews
Date: November 21, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
My premium is high, but probably just as high in comparison to other companies. I don't like that I have to insure my home for the value they say it is vs what the actual value is.
Nationwide Home Insurance Reviews
Date: October 10, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Premium
My deductible of my insurance company is higher than that of the average insurance agency. This is because I choose to have a higher deductible in order to have a lower monthly payment.
Liberty Mutual Home Insurance Reviews
Date: August 17, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
this is an insurance company of the future where its all done in simple terms. Clearly targeted to millennial's. They helped me to understand the terms very easily.
Progressive Home Insurance Reviews
Date: January 16, 2019 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Customer Service
I am giving my company a "3". I have never really had to deal with customer service since I purchased the insurance two years ago. I have never filed a claim.
Grange Insurance Home Insurance Reviews
Date: October 05, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
my premuims are very reasonable and the deductible is low in comparision. my premium goes up minimally and hasnt taken a large jump ever. even after a claim.
Erie Insurance Home Insurance Reviews
Date: December 30, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
I have had great experiences with my home owner insurance company for the most part. We had storm damage on our roof and they fixed it all right up. It was fantastic.
Farmer's Insurance Home Insurance Reviews
Date: July 17, 2019 Age: 50 to 59 Gender: Male Marital Status: Married
Policy Offerings
My insurance company is an independent insurance company so they utilize a number of insurance companies. So, I'd say their offerings are almost unlimited.