How Can I Make My Troy, IL Home Insurance Cheaper
Gavop tells you how to get the best homeowners insurance in Troy, IL by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
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Estimate Appropriate Troy, IL Home Insurance Coverage Levels | Back to Top
| Troy, IL - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Westridge Rd, Bantry Dr, Craig Dr, Baytree Ct, S Eastcliff Dr, S Frances Way, Northgate Ln, Stephen Ln, Saenz Ln, S Canterbury St | $208,500 | $170,000 | $150,000-$175,000 | $297,500 | $260,000 | $300,000-$350,000 |
| Caterpillar Dr, N Brookshore Dr, Francis Way, Meadowsedge Ln, Mission Blvd, Metcalf Ln, Cornwall Dr, W Frontage Rd, Kelly Ann Ln, W Shepley Rd | $146,000 | $120,000 | $125,000-$150,000 | $298,500 | $250,000 | $250,000-$300,000 |
| Seil Rd, Meadow Dr, W Black Rd, Deerpath Dr, Spencer Way, SE Frontage Rd, W Manor Dr, Farmstead Ln, Heven Ct, Phelps Ln | $127,000 | $120,000 | $125,000-$150,000 | $344,500 | $320,000 | $300,000-$350,000 |
| Forest View Dr, Courtland Dr, S Meadowview Ln, Wood Duck Ln, Lakewoods Ln, Sandpiper Ln, Woodside Dr, Irish Indian Trl, Rick Ct, W Hickory Walk | $161,000 | $150,000 | $150,000-$175,000 | $236,000 | $210,000 | $175,000-$200,000 |
| Danny Dr, Karen Ct, Maple Ln, Winterberry Dr, S Kent Rd, W Karl Ave, Bayside Ln, W Red Oak Ln, Hollywood Rd, Tom Giarrante | $222,000 | $210,000 | $200,000-$250,000 | $250,500 | $220,000 | $200,000-$250,000 |
Estimate your Savings with Home Insurance Discounts in Troy, IL | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$118 | $726 |
| Superior Protection Discount | -$84 | $760 |
| Fire & Security Discount | -$59 | $785 |
| Hail Resistant Roof Discount | -$17 | $827 |
| Newly Constructed Home Discount | -$219 | $624 |
Choose the Right Deductible for your Troy, 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 |
| Will County | $2,500 | $865 | $3,365 | $629 | $3,129 | $236 |
| Troy, IL | $1,000 | $834 | $1,834 | $606 | $1,606 | $228 |
| Elwood, IL | $400 | $794 | $1,194 | $577 | $977 | $217 |
| Oswego, IL | $2,500 | $865 | $3,365 | $629 | $3,129 | $236 |
| Grundy County, IL | $300 | $829 | $1,129 | $602 | $902 | $227 |
| Manteno, IL | $700 | $688 | $1,388 | $500 | $1,200 | $188 |
| Blackberry, IL | $200 | $795 | $995 | $578 | $778 | $217 |
| St. Anne, IL | $2,000 | $647 | $2,647 | $470 | $2,470 | $177 |
| Sleepy Hollow, IL | $200 | $1,014 | $1,214 | $737 | $937 | $277 |
| Bruce, IL | $1,500 | $825 | $2,325 | $600 | $2,100 | $226 |
| Algonquin, IL | $200 | $854 | $1,054 | $620 | $820 | $233 |
| Creston, IL | $2,000 | $704 | $2,704 | $512 | $2,512 | $193 |
Identify Top Home Insurance Agents near Troy, IL | Back to Top
| Home Insurance Company Troy, IL | Homeowners Insurance Agency Troy, IL | Address | Popularity Score | Distance from Troy (miles) |
|---|---|---|---|---|
| State Farm | Susan C Palkovic | 841 Lee St, Des Plaines, IL, 60016-6407 | 39.9 | |
| Travelers | Likar Insurance Agency | 214 E 2nd St, Lockport, IL, 60441 | 9.7 | |
| Farmers | Marvin Sledge | 15255 S 94th Ave Ste 500, Orland Park, IL, 60462 | 19.5 | |
| State Farm | Jonathan Twitty | 414 75th St, Downers Grove, IL, 60516-4454 | 19.8 | |
| Allstate | Jason Herbers | 7440 Woodward Ave Ste H, Woodridge, IL, 60517 | 18.9 | |
| Travelers | Peak Financial Group Llc | 7330 W Lawrence, Harwood Heights, IL, 60706 | 37.5 | |
| State Farm | John Wright | 1050 Essington Rd Ste A, Joliet, IL, 60435-8416 | 3.0 | |
| State Farm | John Kim | 5700 N Lincoln Ave Ste 209, Chicago, IL, 60659-4731 | 41.8 | |
| Travelers | Old Orland Insurance Agency Inc | 14306 Union Avenue , Orland Park, IL, 60462 | 19.4 | |
| State Farm | Spencer Williams | 19501 Governors Hwy, Flossmoor, IL, 60422-2097 | 26.1 |
Compare Rates for Troy, 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 | $600 | $1,220 | $620 |
| Will County, IL | $216,400 | $876 | $590 | $1,230 | $640 |
| Troy, IL | $191,000 | $844 | $600 | $1,160 | $560 |
| Elwood, IL | $156,800 | $804 | $550 | $1,150 | $600 |
| Oswego, IL | $216,500 | $876 | $590 | $1,210 | $620 |
| Grundy County, IL | $188,300 | $839 | $570 | $1,150 | $580 |
| Manteno, IL | $169,100 | $696 | $470 | $970 | $500 |
| Blackberry, IL | $342,000 | $805 | $560 | $1,110 | $550 |
| St. Anne, IL | $101,500 | $655 | $450 | $930 | $480 |
| Sleepy Hollow, IL | $289,800 | $1,026 | $710 | $1,460 | $750 |
| Bruce, IL | $80,400 | $835 | $610 | $1,180 | $570 |
| Algonquin, IL | $208,800 | $864 | $580 | $1,190 | $610 |
| Creston, IL | $120,300 | $713 | $520 | $1,020 | $500 |
Research Home Insurance Companies Reviews in Troy, IL Before Buying | Back to Top
Share a review on your home insurance company
Allstate Home Insurance Reviews
Date: January 09, 2020 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
The premium seems average for an insurance company. I do wish it was a little cheaper for my deductable. They do not have much options to change it
Date: September 09, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Premium
The premium and deductible are high. I am not looking forward to having to use the insurance when the time comes for anything to use the insurance.
Date: February 12, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
Its a good deductible that I don't have to pay a lot for. Also it was a lower deductible and a reasonable price and it meets my needs great.
Date: December 23, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
It's been great. I call and I'm connected to an agent right away and they always answer my questions. The call for an annual review every year too.
State Farm Home Insurance Reviews
Date: September 18, 2019 Age: Above 60 Gender: Female Marital Status: Married
Premium
I do not even know what my deductible is. I am approaching retirement age and have been a saver all of my life. I will be able to retire comfortably as long as the economy does not bottom out.
Date: June 11, 2019 Age: 20 to 29 Gender: Married Marital Status: Female
Premium
The premiums and deductibles on all of my policies are comparable to industry averages and are self-selected so I am satisfied with the premiums and deductibles.
Date: April 06, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
State Farm has good coverge and decent rates, not the best not the worse, but the customer service is always good. I would rate them as a 4 regarding customer service.
Farmer's Insurance Home Insurance Reviews
Date: December 28, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Customer Service
I have been pretty happy with Farmers. When I bought my home, I was given several quotes that were very expensive and probably would have prevented me from being able to afford the monthly escrow payment.
Date: January 07, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
The premium cost was a lot less with the same 500.00 deductible compared to other insurance companies. Also with every 6 months my deductible goes down 50.00 with no tickets or accidents.
Date: November 21, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Customer Service
When bundling our home and auto package, they were not flexible with us on timing to come sign paperwork for them. We received notice in the morning that we had to go in before 3 o'clock, and as a student my schedule is not as flexible as some people. When we got there that day, they had added additional things to our package without asking and all that added money to our premiums. They also changed the car insurances to be the most expensive plan and didn't mention it. I was not happy with how they treated us as new customers of their business.
Erie Insurance Home Insurance Reviews
Date: November 06, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Premium
The premium is pretty low compared to other insurance companies. When I bought my house my initial insurance company was double what this insurance company quoted me which is why I went with them.
Liberty Mutual Home Insurance Reviews
Date: October 15, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Premium
My premium is noticeably lower than other providers due to a multi-policy discount I receive by maintaining home and auto insurance through a partnership with my auto insurance company. My deductibles are fairly standard.
American Reliable Insurance Company Home Insurance Reviews
Date: November 07, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
They cover fire, theft, and destruction of property. They also cover personal property inside our home. It also insures if someone gets hurt in our home we are covered.
Meemic Insurance Home Insurance Reviews
Date: July 05, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Policy Offerings
They offer the basic services, such as high winds replacing roofs and if someone broke into my home. They didn't offer me special things like earthquake insurance or anything like that.