Gavop shows you how to buy homeowners insurance in Melrose, 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 | $56,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $169,500 | $160,000 | $175,000-$200,000 |
| 3 Bedroom | $148,000 | $130,000 | $125,000-$150,000 |
| 4 Bedroom | $194,500 | $170,000 | $150,000-$175,000 |
| 5 Bedroom | $437,500 | $390,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$116 | $608 |
| Superior Protection Discount | -$65 | $659 |
| Fire & Security Discount | -$65 | $659 |
| Hail Resistant Roof Discount | -$22 | $702 |
| Newly Constructed Home Discount | -$188 | $536 |
| 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 |
| Adams County | $2,000 | $682 | $2,682 | $496 | $2,496 | $186 |
| Melrose, IL | $2,000 | $715 | $2,715 | $520 | $2,520 | $196 |
| Miller, MO | $300 | $901 | $1,201 | $655 | $955 | $246 |
| Keene, IL | $1,000 | $692 | $1,692 | $503 | $1,503 | $189 |
| Chili, IL | $400 | $462 | $862 | $336 | $736 | $126 |
| Tiger Fork, MO | $2,000 | $784 | $2,784 | $570 | $2,570 | $214 |
| Buffalo, MO | $100 | $747 | $847 | $543 | $643 | $204 |
| Black Creek, MO | $200 | $811 | $1,011 | $589 | $789 | $222 |
| Wyaconda, MO | $700 | $935 | $1,635 | $679 | $1,379 | $255 |
| Eolia, MO | $500 | $994 | $1,494 | $722 | $1,222 | $272 |
| Home Insurance Company Melrose, IL | Homeowners Insurance Agency Melrose, IL | Address | Popularity Score | Distance from Melrose (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Cason Huff & Schlueter | 331 S 36th St, Quincy, IL, 62301 | 3.2 | |
| Liberty Mutual Independent | Cason Huff & Schlueter | 331 S 36th St Ste 5, Quincy, IL, 62301 | 3.2 | |
| State Farm | Kris Dornbush | 57 S Adams St, Carthage, IL, 62321-1433 | 38.2 | |
| Travelers | Gem City Insurance Agency | 535 Maine St Ste 1b, Quincy, IL, 62301 | 4.8 | |
| Erie | Midstate Insurance Agency Inc. | 130 S Monroe, Pittsfield, IL, 62363 | 34.5 | |
| State Farm | Carolyn Wright | 1 Charles St, Rushville, IL, 62681-9396 | 44.4 | |
| Allstate | Bob Navolio | 2704 Broadway St, Quincy, IL, 62301 | 3.9 | |
| Travelers | Mudd Insurance Group Inc | 102 W 5th St, Bowen, IL, 62316 | 28.2 | |
| State Farm | Julie Constable | 508 S 11th St, Quincy, IL, 62301-4955 | 4.2 | |
| State Farm | Charles Scholz | 4832 Broadway St, Quincy, IL, 62305-9113 | 3.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $590 | $1,170 | $580 |
| Adams County, IL | $120,200 | $691 | $460 | $950 | $490 |
| Melrose, IL | $186,300 | $724 | $520 | $1,030 | $510 |
| Miller, MO | $146,100 | $912 | $620 | $1,300 | $680 |
| Keene, IL | $115,800 | $700 | $500 | $990 | $490 |
| Chili, IL | $54,600 | $468 | $320 | $660 | $340 |
| Tiger Fork, MO | $61,500 | $794 | $550 | $1,100 | $550 |
| Buffalo, MO | $87,400 | $756 | $510 | $1,070 | $560 |
| Black Creek, MO | $67,600 | $821 | $560 | $1,130 | $570 |
| Wyaconda, MO | $100,000 | $946 | $670 | $1,330 | $660 |
| Eolia, MO | $118,100 | $1,006 | $690 | $1,430 | $740 |