Gavop's guide to buying homeowners insurance in Coles 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.
| Coles County, IL - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| 300N, 1110E, 220N, 21st St, W Adams St, Williams Ct, N 11th St, State Rte 121, 350E, Co Rd 200 E | $79,500 | $60,000 | $75,000-$100,000 | $111,000 | $100,000 | $100,000-$125,000 |
| Washington Ave, E Co Rd 1700 N, State Rte 316, Village Rd, Red Bud Rd, N Co Rd 150 E, N Co Rd 300 E, Executive Ct, Co Rd 1550 N, Crescent Dr | $148,000 | $120,000 | $150,000-$175,000 | $111,500 | $90,000 | $75,000-$100,000 |
| S 21st St, W North St, E Co Rd 1150 N, Co Rd 1830 N, 2230E, Roberson Ct, 1150E, Sapphire St, W Locust Ave, S Pike St | $70,000 | $60,000 | $75,000-$100,000 | $53,000 | $50,000 | $25,000-$50,000 |
| S 2nd St, Byron St, Co Rd 1350 E, E Co Rd 1450 N, N 19th St, Co Rd 830 N, E Co Rd 1500 N, Redbud Rd, N 30th St, Co Rd 20 | $112,500 | $100,000 | $100,000-$125,000 | $82,000 | $70,000 | $50,000-$75,000 |
| 000N, 690N, Commercial Ave, E Co Rd 550N, Church St, Dole Rd, Bryan Pl, Stanley Ave, Co Rd 23, Lafayette Ave E | $143,500 | $120,000 | $125,000-$150,000 | $110,500 | $100,000 | $100,000-$125,000 |
| N Co Rd 1050E, E Co Rd 640 N, Grover Cleveland St, 1540E, Olive Ave, Airtight Rd, Water St, Edgewood Dr, E Co Rd 1270N, W Buchanan Ave | $137,000 | $120,000 | $125,000-$150,000 | $117,000 | $110,000 | $100,000-$125,000 |
| Maple St, Walnut Ave, Champion Rd, Dettro Dr, Oakwood Dr, Co Rd 1350 E, State Park Rd, Ridge Lake Rd, E Co Rd 820 N, E Co Rd 1650 N | $123,000 | $100,000 | $125,000-$150,000 | $98,000 | $80,000 | $75,000-$100,000 |
| State Rte 49, Terrace Ln, Whetstone Rd, Piatt Ave, 2050N, 1400E, N Co Rd 870 E, Marathon Ln, 1600N, Duchess Ct | $65,500 | $60,000 | $50,000-$75,000 | $49,000 | $40,000 | $50,000-$75,000 |
| W Grant Ave, Plainview Rd, Co Rd 750 N, N 23rd St, Dakota Ave, E Co Rd 1700 N, Co Rd 1090 E, 920N, 1450N, Cedar Dr | $200,000 | $170,000 | $200,000-$250,000 | $146,000 | $130,000 | $125,000-$150,000 |
| Westfield Rd, Co Rd 1670 E, E Co Rd 1800 N, Parker St, S 9th St, N Co Rd 2700E, E Co Rd 1260 N, Kimwood Dr, Windsor Rd, Daileyville Rd | $111,000 | $100,000 | $100,000-$125,000 | $61,500 | $50,000 | $50,000-$75,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$91 | $518 |
| Superior Protection Discount | -$55 | $554 |
| Fire & Security Discount | -$43 | $567 |
| Hail Resistant Roof Discount | -$12 | $597 |
| Newly Constructed Home Discount | -$152 | $457 |
| 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 |
| Coles County | $2,000 | $602 | $2,602 | $437 | $2,437 | $164 |
| Coles County, IL | $1,000 | $602 | $1,602 | $437 | $1,437 | $164 |
| Mattoon, IL | $300 | $804 | $1,104 | $584 | $884 | $220 |
| Pesotum, IL | $1,500 | $706 | $2,206 | $513 | $2,013 | $193 |
| Clarksburg, IL | $100 | $805 | $905 | $585 | $685 | $220 |
| Shumway, IL | $2,000 | $560 | $2,560 | $407 | $2,407 | $153 |
| Wheeler, IL | $300 | $379 | $679 | $276 | $576 | $104 |
| Elbridge, IL | $1,000 | $772 | $1,772 | $561 | $1,561 | $211 |
| Cold Spring, IL | $100 | $690 | $790 | $501 | $601 | $188 |
| Love, IL | $1,000 | $829 | $1,829 | $602 | $1,602 | $227 |
| Whitmore, IL | $500 | $602 | $1,102 | $437 | $937 | $164 |
| Blue Mound, IL | $700 | $588 | $1,288 | $427 | $1,127 | $161 |
| Home Insurance Company Coles County, IL | Homeowners Insurance Agency Coles County, IL | Address | Popularity Score | Distance from Coles County (miles) |
|---|---|---|---|---|
| State Farm | Sherri Branson | 612 Charleston Ave, Mattoon, IL, 61938-4305 | 7.8 | |
| State Farm | Kurt Lenschow | 2309c Village Green Pl, Champaign, IL, 61822-7686 | 39.6 | |
| Erie | Sticklen Insurance Agency | 3109 E Tatman Court Suite 101, Urbana, IL, 61802 | 41.3 | |
| State Farm | Marcy Mcanally | 900 S Mattis Ave, Champaign, IL, 61821-4352 | 41.1 | |
| Allstate | Dustin Hiser | 604 S Neil St Ste 104, Champaign, IL, 61820 | 41.2 | |
| Travelers | Clodfelder Insurance Agency Inc | 202 W Oak St, Mahomet, IL, 61853 | 47.8 | |
| Allstate | William Abel | 103 N Dunlap Ave, Savoy, IL, 61874 | 37.4 | |
| State Farm | Leo Berger | 455 W Eldorado St, Decatur, IL, 62522-2116 | 45.7 | |
| State Farm | Frank Allbright | 212 1st St, Pana, IL, 62557-1408 | 46.7 | |
| State Farm | Todd Jacob | 2105 N Dunlap Ave Ste 1b, Savoy, IL, 61874 | 38.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $610 | $1,220 | $610 |
| Coles County, IL | $93,800 | $609 | $440 | $840 | $400 |
| Coles County, IL | $93,800 | $609 | $440 | $870 | $430 |
| Mattoon, IL | $82,500 | $814 | $590 | $1,160 | $570 |
| Pesotum, IL | $121,000 | $715 | $480 | $1,020 | $540 |
| Clarksburg, IL | $162,000 | $815 | $550 | $1,150 | $600 |
| Shumway, IL | $77,500 | $567 | $390 | $810 | $420 |
| Wheeler, IL | $37,800 | $384 | $260 | $530 | $270 |
| Elbridge, IL | $146,600 | $781 | $560 | $1,080 | $520 |
| Cold Spring, IL | $115,300 | $698 | $500 | $960 | $460 |
| Love, IL | $174,200 | $839 | $600 | $1,160 | $560 |
| Whitmore, IL | $88,400 | $609 | $430 | $830 | $400 |
| Blue Mound, IL | $84,700 | $595 | $430 | $850 | $420 |