Gavop's guide to buying homeowners insurance in Harlem, 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.
| Harlem, 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 | |
| Eastmont Ave, Plymouth Ct, Harvest Ct, Meteor Ct, Kingsley Dr, Rock Valley Pkwy, Lovesee Rd, Galleon Dr, Jeffery Way, Rolex Pkwy | $109,000 | $90,000 | $75,000-$100,000 | $145,500 | $120,000 | $125,000-$150,000 |
| Reanna Way, Pamela Dr, Talladega Dr, Squire Ln, Mist Flower Ter, Phoenix Rd, Rocky Ln, Cromwell Ct, Galahad Ct, Basin Dr | $133,000 | $120,000 | $125,000-$150,000 | $101,000 | $90,000 | $100,000-$125,000 |
| Brookwood Dr, Crest Hills Dr, Alexandra Ln, Hill St, Valley View Dr, Rena Ln, Westwick Cir, Flagstone Dr, Winford Ln, McMichael Rd | $126,000 | $110,000 | $125,000-$150,000 | $137,000 | $120,000 | $150,000-$175,000 |
| Walnut Grove Rd, Machesney Rd, Dusty Trl, Pinehurst Ct, Sara Dr, Sheringham Dr, Forest Hills Ct, Margaret Dr, Country Knolls Dr, Contractors Dr | $222,500 | $210,000 | $250,000-$300,000 | $147,500 | $130,000 | $125,000-$150,000 |
| Patti Ln, Homestretch Dr, Chucks Way, Masters Ct, Kissane Dr, Minns Dr, Woodcreek Ave, Nimtz Rd, Forest Ln, Mulford Hills Rd | $139,500 | $130,000 | $150,000-$175,000 | $114,000 | $110,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$101 | $572 |
| Superior Protection Discount | -$67 | $606 |
| Fire & Security Discount | -$67 | $606 |
| Hail Resistant Roof Discount | -$13 | $660 |
| Newly Constructed Home Discount | -$148 | $525 |
| 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 |
| Winnebago County | $2,000 | $671 | $2,671 | $488 | $2,488 | $183 |
| Harlem, IL | $2,000 | $665 | $2,665 | $483 | $2,483 | $182 |
| Poplar Grove, IL | $100 | $679 | $779 | $493 | $593 | $186 |
| Spring, IL | $1,000 | $885 | $1,885 | $643 | $1,643 | $242 |
| Lake Summerset, IL | $400 | $778 | $1,178 | $565 | $965 | $212 |
| Johnstown, WI | $1,000 | $752 | $1,752 | $546 | $1,546 | $205 |
| Magnolia, WI | $100 | $724 | $824 | $526 | $626 | $198 |
| Dunkirk, WI | $1,500 | $758 | $2,258 | $551 | $2,051 | $207 |
| Campton, IL | $400 | $872 | $1,272 | $634 | $1,034 | $238 |
| Fox Lake, IL | $700 | $640 | $1,340 | $465 | $1,165 | $175 |
| Pleasant Springs, WI | $400 | $806 | $1,206 | $586 | $986 | $220 |
| Brooklyn, IL | $2,000 | $655 | $2,655 | $476 | $2,476 | $179 |
| Home Insurance Company Harlem, IL | Homeowners Insurance Agency Harlem, IL | Address | Popularity Score | Distance from Harlem (miles) |
|---|---|---|---|---|
| Travelers | Weiss Insurance Agencies | 31w680 Army Trail Rd., Wayne, IL, 60184 | 47.6 | |
| Liberty Mutual Independent | Schatz & Associates Inc. | 500 Park Ave Ste 201, Lake Villa, IL, 60046 | 46.8 | |
| Allstate | Linda Wagner | 4581 Princeton Ln Ste 117, Lake In The Hills, IL, 60156 | 32.7 | |
| Erie | Gary J Bach Agency | 1107 N Blackhawk Blvd Suite A, Rockton, IL, 61072 | 8.2 | |
| State Farm | Dave Dingman | 42 E Grand Ave, Fox Lake, IL, 60020-1403 | 41.1 | |
| Farmers | Osnuel Colon | 920 Davis Rd Ste 107, Elgin, IL, 60123 | 40.5 | |
| Liberty Mutual | Matt Oconnor | 477 S. Third Streetsuite 148, Geneva, IL, 60134 | 47.9 | |
| Allstate | Mark Moskal | 10 Grant St, Crystal Lake, IL, 60014 | 35.0 | |
| Travelers | Valley Insurance Agency | 422 E State Street, Geneva, IL, 60134 | 48.3 | |
| Travelers | South Barrington Insurance Agency | 101 S Hough #8, Barrington, IL, 60010 | 45.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $580 | $1,200 | $620 |
| Winnebago County, IL | $115,900 | $679 | $470 | $940 | $470 |
| Harlem, IL | $124,500 | $673 | $490 | $940 | $450 |
| Poplar Grove, IL | $163,500 | $687 | $460 | $940 | $480 |
| Spring, IL | $206,500 | $896 | $600 | $1,280 | $680 |
| Lake Summerset, IL | $149,500 | $787 | $530 | $1,130 | $600 |
| Johnstown, WI | $226,500 | $761 | $520 | $1,080 | $560 |
| Magnolia, WI | $202,400 | $733 | $490 | $1,000 | $510 |
| Dunkirk, WI | $232,200 | $767 | $530 | $1,060 | $530 |
| Campton, IL | $381,000 | $883 | $640 | $1,210 | $570 |
| Fox Lake, IL | $142,400 | $648 | $450 | $890 | $440 |
| Pleasant Springs, WI | $281,200 | $816 | $580 | $1,130 | $550 |
| Brooklyn, IL | $104,000 | $663 | $450 | $910 | $460 |