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.

Compare Quotes from Top Providers and Save now!

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

Bundle your Rockford, IL Auto & Home Insurance from the Same Company | Back to Top

Rockford, IL Car Insurance Rockford, IL Home Insurance
Details Jeep, Patriot Limited 4 Beds, 1 Baths, 3020 Square Feet worth $302000
Insurance Rates Individually $1,661.85 $10680
Savings from buying both from the same company $2,344.95

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
Illinois $100 $810 $910 $660 $760 $150
Winnebago County, IL $700 $520 $1,020 $440 $1,140 $-120
Rockford, IL $2,000 $420 $920 $360 $2,360 $-1,440
New Milford, IL $200 $350 $550 $280 $480 $70
Ridott, IL $700 $480 $980 $400 $1,100 $-120
Rochelle, IL $200 $670 $870 $570 $770 $100
Maple Park, IL $1,500 $900 $1,400 $770 $2,270 $-870
Harmony, WI $300 $1,150 $1,450 $960 $1,260 $190
Wonder Lake, IL $1,000 $840 $1,340 $690 $1,690 $-350
Ringwood, IL $500 $830 $1,330 $730 $1,230 $100
Jordan, IL $2,000 $760 $1,260 $660 $2,660 $-1,400
Burton, IL $400 $1,140 $1,540 $950 $1,350 $190
Little Rock, IL $1,500 $770 $1,270 $660 $2,160 $-890

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

Home Insurance Company Rockford, IL Homeowners Insurance Agency Rockford, IL Address Popularity Score 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

Compare Quotes from Top Providers and Save now!

Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Illinois $190,800 $950 $670 $1,360 $690
Winnebago County, IL $127,500 $600 $410 $830 $420
Rockford, IL $109,200 $610 $410 $860 $450
New Milford, IL $76,300 $380 $250 $540 $290
Ridott, IL $113,300 $510 $370 $700 $330
Rochelle, IL $132,400 $650 $470 $920 $450
Maple Park, IL $194,000 $850 $620 $1,180 $560
Harmony, WI $224,900 $990 $680 $1,380 $700
Wonder Lake, IL $188,400 $1,040 $760 $1,480 $720
Ringwood, IL $301,900 $1,210 $880 $1,730 $850
Jordan, IL $175,700 $930 $680 $1,280 $600
Burton, IL $308,400 $960 $650 $1,350 $700
Little Rock, IL $183,400 $1,060 $720 $1,510 $790

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.

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.

Erie Insurance Home Insurance Reviews

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.


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 .

Country Financial Home Insurance Reviews

AAA Home Insurance Reviews

9 Ways to Get Discounts on Homeowners Insurance in Rockford, IL

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