How Can I Make My Rockford, IL Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in Rockford, 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.

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No	Topics
1	Research How your Rockford, IL Home Impacts your Rates
2	Match your Background to Rockford, IL Home Insurance Offers
3	Optimize your Rockford, IL Homeowners Insurance Policy
4	Identify Top Home Insurance Agents near Rockford, IL
5	Compare Rates from Home Insurance Companies in Rockford, IL
6	Research Home Insurance Companies Reviews in Rockford, IL

Select the Suitable Coverage Value for your Rockford, IL Home | Back to Top

Bedrooms	Average Home Value	Estimated Replacement Value	Recommended Home Insurance Coverage
1 Bedroom	$42,000	$40,000	$25,000-$50,000
2 Bedroom	$80,500	$70,000	$75,000-$100,000
3 Bedroom	$114,500	$100,000	$125,000-$150,000
4 Bedroom	$160,000	$140,000	$150,000-$175,000
5 Bedroom	$309,500	$260,000	$350,000-$400,000

Estimate your Savings with Home Insurance Discounts in Rockford, IL | Back to Top

Type	Discount ($)	Premium After Discount ($)
Multipolicy Discount	-$91	$518
Superior Protection Discount	-$61	$548
Fire & Security Discount	-$55	$554
Hail Resistant Roof Discount	-$18	$591
Newly Constructed Home Discount	-$158	$451

Choose the Right Deductible for your Rockford, IL Home | Back to Top

		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	$700	$671	$1,371	$488	$1,188	$183
Rockford, IL	$2,000	$602	$2,602	$437	$2,437	$164
New Milford, IL	$200	$670	$870	$487	$687	$183
Ridott, IL	$700	$705	$1,405	$513	$1,213	$193
Rochelle, IL	$200	$634	$834	$461	$661	$173
Maple Park, IL	$1,500	$853	$2,353	$620	$2,120	$233
Harmony, WI	$300	$745	$1,045	$541	$841	$204
Wonder Lake, IL	$1,000	$829	$1,829	$602	$1,602	$227
Ringwood, IL	$500	$1,021	$1,521	$742	$1,242	$279
Jordan, IL	$2,000	$878	$2,878	$638	$2,638	$240
Burton, IL	$400	$992	$1,392	$721	$1,121	$271
Little Rock, IL	$1,500	$678	$2,178	$493	$1,993	$185

Identify Top Home Insurance Agents near Rockford, IL | Back to Top

Home Insurance Company Rockford, IL	Homeowners Insurance Agency Rockford, IL	Address	Distance from Rockford (miles)
State Farm	Mike Sprague	1712 E 4th St, Sterling, IL, 61081-2922	43.9
State Farm	Michael Hasselbring	185 Penny Ave Ste A, East Dundee, IL, 60118-1455	42.6
State Farm	Michelle Twitchell	945 S State Route 59, Bartlett, IL, 60103-1670	48.5
State Farm	Bill Nelson	1930 W Main St, St Charles, IL, 60174-6215	44.4
Liberty Mutual Independent	Weiss Insurance Agencies	31w680 Army Trail Rd., Wayne, IL, 60184	47.6
Erie	Dean Hill Agency	6072 Brynwood Drive Suite 100, Rockford, IL, 61114	5.3
State Farm	Dean Badorek	4182 N Perryville Rd, Loves Park, IL, 61111	6.9
Travelers	Rally Insurance Group Inc	31632 N Ellis Drive Unit 112, Volo, IL, 60073	47.3
Erie	Wasilas Insurance Group Inc.	250 Houston Street # 102, Batavia, IL, 60510	47.9
Liberty Mutual	Matt Oconnor	477 S. Third Streetsuite 148, Geneva, IL, 60134	46.8

Compare Rates for Rockford, IL Home Insurance Providers | Back to Top

Place	Typical Home Value	Typical Home Insurance Costs	25th Percentile	75th Percentile	Potential Savings & Difference between 25th & 75th Percentile
Illinois	$179,700	$850	$620	$1,220	$600
Winnebago County, IL	$115,900	$679	$500	$960	$460
Rockford, IL	$93,600	$609	$420	$870	$450
New Milford, IL	$108,800	$678	$490	$960	$470
Ridott, IL	$120,800	$714	$480	$1,020	$540
Rochelle, IL	$112,500	$642	$460	$890	$430
Maple Park, IL	$186,800	$863	$630	$1,230	$600
Harmony, WI	$220,300	$754	$510	$1,060	$550
Wonder Lake, IL	$174,100	$839	$600	$1,180	$580
Ringwood, IL	$293,600	$1,033	$740	$1,430	$690
Jordan, IL	$202,100	$889	$650	$1,260	$610
Burton, IL	$276,400	$1,004	$670	$1,400	$730
Little Rock, IL	$163,100	$686	$470	$980	$510

Research Home Insurance Companies Reviews in Rockford, IL Before Buying | Back to Top

Share a review on your home insurance company

State Farm Home Insurance Reviews

Date: April 02, 2019 Age: Above 60 Gender: Female Marital Status: Unmarried

Premium

I feel as though my premium and deductible are fair and appropriate for my coverage. I also like that I am able to "customize" my coverage.

Date: February 12, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried

Policy Offerings

I have never had any issues with their offerings. They have always had what I wanted and needed. Also I wouldn't know if they didn't offer enough because its the only company I have had history with.

Date: December 06, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried

Premium

The premium and deductible is not only cheap, but it's cheap with everything that it covers. When i got the quote from them, i called several other companies and was quoted a significant amount more. One quote was almost $300 more and it only covered half of what i get now.

Date: August 25, 2018 Age: 40 to 49 Gender: Male Marital Status: Unmarried

Policy Offerings

My policy covers my home, structures, and belongings against most types of damage like fire and hurricane damage, but does not include flood damage.

Date: August 22, 2018 Age: 50 to 59 Gender: Female Marital Status: Married

Premium

My premium offers a lower compared to other companies such as Geico and other big companies. The deductible is at a decent/ reasonable price. Other companies offered a higher deductible with a higher monthly payment.

Date: August 07, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried

Premium

Insurance in Florida is very expensive, due to hurricanes. I have had the same insurer for 15 years, so I do not know what the same coverage would cost with other insurers. I do feel it's unfair to base my insurance premiums on damage done by hurricanes in other parts of Florida. And it keeps rising, year after year, even though I have never filed a claim.

Date: August 07, 2018 Age: 50 to 59 Gender: Male Marital Status: Married

Customer Service

The customer service is excellent. They always respond to my calls and emails in a timely, professionals manner, and they are always friendly and helpful.

Date: July 24, 2018 Age: 40 to 49 Gender: Male Marital Status: Unmarried

Website/App

Wish they made a more user-friendly app. One where you can look at your rates and compare them with other different rates the company may offer. For example, show me my payments if choose to have no deductible.

Date: May 08, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried

Website/App

I like that I can review my policy, both my homeowner's insurance, as well as my vehicle insurance. I like that I can contact my agent directly via the website. I like that the website offers tips, like home security tips. I don't really have any dislikes about the website, other than it can load a little slow at times.

Date: November 19, 2017 Age: 20 to 29 Gender: Female Marital Status: Married

Customer Service

Always have to listen to an automated system. Paying bills should be easier. Nobody listens to the automated system. Other companies offered a higher deductible with a higher monthly payment.

Date: November 18, 2017 Age: 30 to 39 Gender: Female Marital Status: Married

Policy Offerings

Covered in case of fire accidents, water accidents (flooding). As well as "acts of God", for a series of unfortunate events that may possibly happen, which include weather catastrophes.

Pekin Insurance Home Insurance Reviews

Date: October 01, 2018 Age: 30 to 39 Gender: Male Marital Status: Married

Policy Offerings

It covers all dwellings on the property, including structures not attached to the main dwelling, contents (actual cost), loss of use, and medical payments

Date: September 24, 2018 Age: 30 to 39 Gender: Female Marital Status: Married

Customer Service

Their customer service is spot on. I can contact them through their website/app any time I need to. They are friendly and always willing to go the extra mile to make sure my needs are met.

Date: September 19, 2018 Age: 30 to 39 Gender: Male Marital Status: Married

Premium

After researching several other companies, I found that my insurance company had the best premium compared to the others, and the coverage was a little better for less money. It's all about getting the best bang for the buck

Date: August 15, 2018 Age: 50 to 59 Gender: Female Marital Status: Unmarried

Website/App

The website/app is easily accessible. I can file a claim, report a problem, contact my agent. I am able to look up my policy and get details about it. I am able to print the declaration page if I need to.

Date: March 09, 2018 Age: 40 to 49 Gender: Female Marital Status: Married

Communication

They're always available whenever I need them. They are friendly and courteous and always ready to go the extra mile to meet my needs.

Meemic Insurance Home Insurance Reviews

Date: September 16, 2018 Age: 30 to 39 Gender: Female Marital Status: Married

Policy Offerings

Our insurance company offered many levels of coverage. We choose a low to mid-level coverage that most affordable and reasonable to us and our home location.

Date: September 10, 2018 Age: 40 to 49 Gender: Female Marital Status: Married

Communication

We do not really have much need to contact them or interact with them. They handle our needs very well and always help if needed.

Date: August 03, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried

Customer Service

Again this is local so they are very friendly and welcoming. I can stop at any time if I have questions and they will always be helpful.

Date: August 02, 2018 Age: 50 to 59 Gender: Male Marital Status: Married

Website/App

The company is a local company and they do not have an interactive website where you can look at their options. And they do not offer a mobile app.

Date: August 02, 2018 Age: 40 to 49 Gender: Female Marital Status: Married

Premium

I think the rate is very reasonable compared to national chain insurance companies who charged more than twice as much as what we have locally.

Erie Insurance Home Insurance Reviews

Date: December 26, 2019 Age: 50 to 59 Gender: Female Marital Status: Unmarried

Customer Service

In my experience my homeowner's insurance company has been fair. My rates have been consistent over the last 15 years. They have been reachable and helpful when needed.

Date: September 17, 2019 Age: 30 to 39 Gender: Male Marital Status: Married

Policy Offerings

We changed our policy over to Erie when we learned about the coverage they could offer. In particular, they offer Ride-Share insurance coverage at no extra charge.

Date: July 24, 2019 Age: 30 to 39 Gender: Female Marital Status: Married

Policy Offerings

We have same type of policy as we would have received at a more expensive insurance company. We were with a different one until we switched.

Allstate Home Insurance Reviews

Date: November 12, 2018 Age: 30 to 39 Gender: Male Marital Status: Married

Website/App

I don't dislike anything about my companies website. I hardly ever go there, because I have never made a claim on this insurance. I don't have the app.

American Family Home Insurance Reviews

Date: December 28, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried

Customer Service

So far I have not had to make any claims on my home insurance, so I am unsure of their customer service in that area. However, all other dealings have been satisfactory.

GEICO Home Insurance Reviews

Date: January 07, 2020 Age: 30 to 39 Gender: Female Marital Status: Married

Customer Service

Its very good, and the customer service is just amazing and its available always like having some fun things and related ones

Homesite Insurance Home Insurance Reviews

Date: January 02, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried

Customer Service

I had hail damage to my brand new house about 6 months after moving in. They were fast, reliable, assessed the damage more then correctly and had a one check process that covered my deductible.

National Lloyds Home Insurance Reviews

Date: November 16, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried

Customer Service

I really like my home insurance. When I had to file a claim for hurricane Harvey they were prompt in helping me and really made me feel like they cared .

Farmer's Insurance Home Insurance Reviews

Date: January 01, 2020 Age: 30 to 39 Gender: Female Marital Status: Married

Customer Service

Overall I would rate Farmers a solid 4- The only reason I don't give them 5 is because of how expensive it is every month. Other than that, the service has been good.