Gavop's guide to buying homeowners insurance in St. Clair, 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 | $53,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $100,500 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $173,000 | $160,000 | $150,000-$175,000 |
| 4 Bedroom | $216,500 | $190,000 | $250,000-$300,000 |
| 5 Bedroom | $161,000 | $140,000 | $125,000-$150,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$61 | $618 |
| Home and Two Car | -$109 | $570 |
| Home and Three Car | -$170 | $509 |
| 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 |
| St. Clair County | $700 | $689 | $1,389 | $501 | $1,201 | $188 |
| St. Clair, IL | $700 | $671 | $1,371 | $487 | $1,187 | $183 |
| Green Park, MO | $100 | $1,101 | $1,201 | $800 | $900 | $301 |
| Frontenac, MO | $1,500 | $753 | $2,253 | $547 | $2,047 | $206 |
| Northwest, MO | $400 | $1,047 | $1,447 | $761 | $1,161 | $286 |
| Jefferson County, MO | $700 | $1,017 | $1,717 | $739 | $1,439 | $278 |
| Plattin, MO | $300 | $808 | $1,108 | $587 | $887 | $221 |
| Cedar Hill Lakes, MO | $1,500 | $883 | $2,383 | $642 | $2,142 | $241 |
| Lake Tekakwitha, MO | $400 | $935 | $1,335 | $679 | $1,079 | $255 |
| St. Charles County, MO | $2,000 | $1,113 | $3,113 | $809 | $2,809 | $304 |
| Panama, IL | $300 | $440 | $740 | $320 | $620 | $120 |
| Fieldon, IL | $700 | $586 | $1,286 | $426 | $1,126 | $160 |
| Home Insurance Company St. Clair, IL | Homeowners Insurance Agency St. Clair, IL | Address | Popularity Score | Distance from St. Clair (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Yaekel & Associates Inc | 1915 W Main St, Belleville, IL, 62226 | 1.7 | |
| Allstate | Anthony Neely | 2704 N Illinois St Ste 102, Swansea, IL, 62226 | 0.7 | |
| Travelers | Assurance Brokers Ltd | 95 N Research Dr Ste 100, Edwardsville, IL, 62025 | 17.7 | |
| Travelers | Foppe Insurance Agency Inc | 215 N Main St, Breese, IL, 62230 | 25.0 | |
| Travelers | Gasaway Insurance Agency | 4717 W Main St Ste 2, Belleville, IL, 62226 | 2.6 | |
| Allstate | Bret T. Boyd | 2304 Lebanon Ave, Belleville, IL, 62221 | 2.0 | |
| State Farm | Kate Elder | 1040 Carlyle Ave, Belleville, IL, 62221-5533 | 2.1 | |
| State Farm | Katherine Frazier | 1600 Lebanon Ave Ste 103, Belleville, IL, 62221-2491 | 0.9 | |
| State Farm | Carol Compton-Mcdonald | 105 N Main St, Shiloh, IL, 62269-2970 | 4.9 | |
| Allstate | Don Forhan | 6909 W Main St, Belleville, IL, 62223 | 3.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $570 | $1,170 | $600 |
| St. Clair County, IL | $122,600 | $697 | $470 | $970 | $500 |
| St. Clair, IL | $158,800 | $679 | $460 | $930 | $470 |
| Green Park, MO | $156,800 | $1,114 | $770 | $1,540 | $770 |
| Frontenac, MO | $713,500 | $763 | $530 | $1,060 | $530 |
| Northwest, MO | $136,600 | $1,060 | $710 | $1,450 | $740 |
| Jefferson County, MO | $154,100 | $1,030 | $690 | $1,430 | $740 |
| Plattin, MO | $171,600 | $818 | $560 | $1,150 | $590 |
| Cedar Hill Lakes, MO | $85,800 | $894 | $620 | $1,260 | $640 |
| Lake Tekakwitha, MO | $100,000 | $946 | $650 | $1,300 | $650 |
| St. Charles County, MO | $198,500 | $1,126 | $750 | $1,540 | $790 |
| Panama, IL | $49,800 | $445 | $320 | $610 | $290 |
| Fieldon, IL | $84,000 | $593 | $420 | $820 | $400 |