Gavop's guide to buying homeowners insurance in Ford 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.
| Ford 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 | |
| E Spruce St, E 50N Rd, W 12th St, E State St, 000E Rd, E 1100 N Rd, E 200N Rd, N 1600 East Rd, W Patton St, 3rd St | $108,000 | $90,000 | $100,000-$125,000 | $62,000 | $60,000 | $50,000-$75,000 |
| Hickory, N 1200 E Rd, E Weldon St, E 2650N Rd, S Sangamon Ave, E Orleans St, W Ottawa Rd, State Rte 54, Co Rd 0, N 1800 E Rd | $201,000 | $190,000 | $150,000-$175,000 | $99,000 | $80,000 | $75,000-$100,000 |
| Co Hwy 21, N Thompson St, Yates Dr, E Prospect Ave, Thorson Rd, 1800 East Rd, W Weldon St, 1st St, N 1400E Rd, S Fulton St | $104,500 | $80,000 | $100,000-$125,000 | $90,000 | $70,000 | $75,000-$100,000 |
| Lake St, E 1500 North Rd, E 10th St, E 75N Rd, E 1250N Rd, N 1700E Rd, N 900E Rd, N West St, E 00N, Green St | $133,000 | $110,000 | $125,000-$150,000 | $79,000 | $70,000 | $50,000-$75,000 |
| E 2800N Rd, Crescent Ln, N Hunt St, Co Rd 00 E, Bond St, N 1800 East Rd, E 1000N Rd, Clark St, Co Hwy 16, Park Dr | $102,000 | $90,000 | $100,000-$125,000 | $50,000 | $40,000 | $25,000-$50,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$103 | $503 |
| Superior Protection Discount | -$55 | $552 |
| Fire & Security Discount | -$67 | $540 |
| Hail Resistant Roof Discount | -$12 | $594 |
| Newly Constructed Home Discount | -$176 | $431 |
| 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 |
| Ford County | $1,500 | $599 | $2,099 | $435 | $1,935 | $164 |
| Ford County, IL | $2,000 | $599 | $2,599 | $435 | $2,435 | $164 |
| Saunemin, IL | $500 | $629 | $1,129 | $457 | $957 | $172 |
| Compromise, IL | $1,000 | $780 | $1,780 | $567 | $1,567 | $213 |
| Norton, IL | $500 | $758 | $1,258 | $551 | $1,051 | $207 |
| Cunningham, IL | $1,000 | $648 | $1,648 | $471 | $1,471 | $177 |
| Irwin, IL | $100 | $692 | $792 | $503 | $603 | $189 |
| Vance, IL | $700 | $607 | $1,307 | $441 | $1,141 | $166 |
| Mazon, IL | $400 | $801 | $1,201 | $582 | $982 | $219 |
| Lakewood Shores, IL | $2,000 | $773 | $2,773 | $561 | $2,561 | $211 |
| Kent, IN | $400 | $832 | $1,232 | $605 | $1,005 | $227 |
| Cisco, IL | $700 | $597 | $1,297 | $434 | $1,134 | $163 |
| Home Insurance Company Ford County, IL | Homeowners Insurance Agency Ford County, IL | Address | Popularity Score | Distance from Ford County (miles) |
|---|---|---|---|---|
| State Farm | Don Mahoney | 201 E Kahler Rd, Wilmington, IL, 60481-1521 | 48.8 | |
| State Farm | Greg Kurtenbach | 314 N Sangamon Avenue, Gibson City, IL, 60936-1256 | 11.8 | |
| State Farm | Jim Spachman | 2501 E College Avenue, Bloomington, IL, 61704-2484 | 38.2 | |
| State Farm | Matt Waite | 1053 W Broadway St, Bradley, IL, 60915-2004 | 42.1 | |
| State Farm | Nick Smith | 2704 Boulder Dr Ste C, Urbana, IL, 61802-7832 | 35.3 | |
| Travelers | First Community Insurance & Annuity Center | 731 Larry Power Road, Bourbonnais, IL, 60914 | 44.5 | |
| State Farm | Cheryl Mosely | 1760 W Station St, Kankakee, IL, 60901-3175 | 40.2 | |
| State Farm | Julie Schuld | 116 S Kinzie Ave, Bradley, IL, 60915-2430 | 42.7 | |
| Travelers | Old National Insurance | 2 W Main St, Danville, IL, 61832 | 45.1 | |
| State Farm | Todd Arseneau | 1250 N Convent St, Bourbonnais, IL, 60914-1268 | 44.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $610 | $1,170 | $560 |
| Ford County, IL | $100,600 | $606 | $410 | $850 | $440 |
| Ford County, IL | $100,600 | $606 | $410 | $840 | $430 |
| Saunemin, IL | $96,300 | $637 | $430 | $910 | $480 |
| Compromise, IL | $150,300 | $789 | $570 | $1,090 | $520 |
| Norton, IL | $141,000 | $767 | $540 | $1,080 | $540 |
| Cunningham, IL | $146,700 | $656 | $480 | $910 | $430 |
| Irwin, IL | $116,100 | $700 | $500 | $990 | $490 |
| Vance, IL | $89,800 | $614 | $420 | $870 | $450 |
| Mazon, IL | $160,000 | $811 | $560 | $1,130 | $570 |
| Lakewood Shores, IL | $147,200 | $782 | $520 | $1,070 | $550 |
| Kent, IN | $128,600 | $842 | $610 | $1,200 | $590 |
| Cisco, IL | $87,100 | $604 | $430 | $830 | $400 |