Gavop's guide to buying homeowners insurance in Putnam 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 | $57,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $116,500 | $110,000 | $125,000-$150,000 |
| 3 Bedroom | $173,500 | $140,000 | $200,000-$250,000 |
| 4 Bedroom | $224,500 | $200,000 | $200,000-$250,000 |
| 5 Bedroom | $194,000 | $170,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$93 | $571 |
| Superior Protection Discount | -$66 | $598 |
| Fire & Security Discount | -$46 | $618 |
| Hail Resistant Roof Discount | -$20 | $644 |
| Newly Constructed Home Discount | -$179 | $485 |
| 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 |
| Putnam County | $2,000 | $656 | $2,656 | $477 | $2,477 | $179 |
| Putnam County, IL | $1,500 | $656 | $2,156 | $477 | $1,977 | $179 |
| Whitefield, IL | $500 | $750 | $1,250 | $545 | $1,045 | $205 |
| Ladd, IL | $2,000 | $635 | $2,635 | $462 | $2,462 | $174 |
| Bradford, IL | $100 | $544 | $644 | $396 | $496 | $149 |
| Washburn, IL | $1,500 | $583 | $2,083 | $424 | $1,924 | $159 |
| Dana, IL | $300 | $535 | $835 | $388 | $688 | $146 |
| Freedom, IL | $1,000 | $806 | $1,806 | $586 | $1,586 | $220 |
| Sheridan, IL | $200 | $783 | $983 | $569 | $769 | $214 |
| Prophetstown, IL | $1,000 | $650 | $1,650 | $472 | $1,472 | $178 |
| Shabbona, IL | $500 | $805 | $1,305 | $585 | $1,085 | $220 |
| Saratoga, IL | $700 | $784 | $1,484 | $570 | $1,270 | $214 |
| Home Insurance Company Putnam County, IL | Homeowners Insurance Agency Putnam County, IL | Address | Popularity Score | Distance from Putnam County (miles) |
|---|---|---|---|---|
| State Farm | Ron Henson | 1304 Gemini Cir Ste 3, Ottawa, IL, 61350-1690 | 27.2 | |
| Allstate | Caselli Insurance | 510 W Madison St, Ottawa, IL, 61350 | 25.6 | |
| Allstate | Dennis Peters | 118 W Main St, Morris, IL, 60450 | 46.8 | |
| State Farm | Mike Meyer | 710 Liberty St, Morris, IL, 60450-1852 | 46.9 | |
| Allstate | Kelly Freschi | 300 Bucklin St, La Salle, IL, 61301 | 13.7 | |
| Allstate | Scott Gjovik | 2690 E Route 34, Sandwich, IL, 60548 | 48.2 | |
| Erie | Corbin Insurance Agency Inc. | 1956 Deer Lane, Washington, IL, 61571 | 33.5 | |
| Allstate | Aaron Wehmeyer | 1802 N Division St Ste 403, Morris, IL, 60450 | 47.2 | |
| State Farm | Art Espe | 221 N Mason Ave, Amboy, IL, 61310-1211 | 36.0 | |
| Travelers | Arc Insurance And Financial Services Inc | 411 Fifth St, Peru, IL, 61354 | 13.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $610 | $1,210 | $600 |
| Putnam County, IL | $120,800 | $664 | $440 | $940 | $500 |
| Putnam County, IL | $120,800 | $664 | $480 | $940 | $460 |
| Whitefield, IL | $137,500 | $759 | $540 | $1,040 | $500 |
| Ladd, IL | $98,100 | $643 | $430 | $890 | $460 |
| Bradford, IL | $73,500 | $551 | $390 | $790 | $400 |
| Washburn, IL | $83,200 | $590 | $420 | $840 | $420 |
| Dana, IL | $71,000 | $541 | $360 | $740 | $380 |
| Freedom, IL | $162,800 | $816 | $590 | $1,150 | $560 |
| Sheridan, IL | $151,800 | $793 | $540 | $1,090 | $550 |
| Prophetstown, IL | $102,600 | $658 | $450 | $900 | $450 |
| Shabbona, IL | $162,200 | $815 | $580 | $1,160 | $580 |
| Saratoga, IL | $238,100 | $794 | $550 | $1,120 | $570 |