How Can I Make My Urbana, IL Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Urbana, 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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Estimate Appropriate Urbana, IL Home Insurance Coverage Levels | Back to Top
| Urbana, IL - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Kenyon Rd, Newport Dr, W California Ave, Kyle St, N Shore Dr, Carrie Ave, N High Cross Rd, Olympian Dr W, Franklin St, W College Ct | $44,500 | $40,000 | $25,000-$50,000 | $100,000 | $90,000 | $75,000-$100,000 |
| Yankee Ridge Ln, Geraldine Ave, Division Ave, E Michigan Ave, S Forty Dr, Fairview Ave, S Poplar St, N Willow Rd, S Maryland Dr, Hill St | $64,000 | $60,000 | $50,000-$75,000 | $110,000 | $90,000 | $125,000-$150,000 |
| W Indiana Ave, S Abercorn St, Co Rd 2225 N, Co Rd 750 E, Fred Ln, S High Cross Rd, Nathaniel Burch Dr, Co Rd 100 E, E Colorado Ave, Sunny Ln | $97,500 | $90,000 | $75,000-$100,000 | $183,000 | $160,000 | $150,000-$175,000 |
| S Cedar St, Co Rd 2125 N, West St, Vawter St, Brighton Dr, Lydia Ct, Silver Ct E, Prairie View Dr, Sunset Dr, Plains Ct | $116,500 | $90,000 | $75,000-$100,000 | $244,000 | $210,000 | $200,000-$250,000 |
| South, S High Cross Rd, Coachman Dr, Illini Airport Rd, E Beardsley Ave, Gurth Dr, W Cardinal Rd, Co Rd 1, Clifford Dr, E Bond St | $159,000 | $150,000 | $125,000-$150,000 | $228,500 | $190,000 | $175,000-$200,000 |
Estimate your Savings with Home Insurance Discounts in Urbana, IL | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$121 | $636 |
| Superior Protection Discount | -$76 | $682 |
| Fire & Security Discount | -$76 | $682 |
| Hail Resistant Roof Discount | -$23 | $735 |
| Newly Constructed Home Discount | -$152 | $606 |
Choose your Urbana, IL Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,276 |
| Physical Damage | $2,392 |
| Hail Damage | $4,476 |
| Wind Damage | $6,687 |
| Expensive Claims | |
| Fire | $45,123 |
| Smoke | $17,389 |
Identify Top Home Insurance Agents near Urbana, IL | Back to Top
| Home Insurance Company Urbana, IL | Homeowners Insurance Agency Urbana, IL | Address | Popularity Score | Distance from Urbana (miles) |
|---|---|---|---|---|
| Travelers | Gtps Insurance Agency | 1311 S Neil, Champaign, IL, 61820 | 2.6 | |
| State Farm | Ali Doolin | 1101 Clement Ave, Forsyth, IL, 62535-9626 | 42.2 | |
| State Farm | Nick Smith | 2704 Boulder Dr Ste C, Urbana, IL, 61802-7832 | 1.9 | |
| Travelers | Peterson Insurance Services Inc | 117 W Main St, Clinton, IL, 61727 | 40.6 | |
| Allstate | William Abel | 103 N Dunlap Ave, Savoy, IL, 61874 | 4.8 | |
| Allstate | Michael Rudicil | 909 N Cunningham Ave Ste 7, Urbana, IL, 61802 | 0.8 | |
| State Farm | Mike Rave | 3703 Ireland Grove Rd Ste 3, Bloomington, IL, 61704-5295 | 44.9 | |
| State Farm | Mike Pemberton | 322 E Main St, Hoopeston, IL, 60942-1505 | 37.3 | |
| State Farm | Joe Stovall | 1401 N Prospect Ave Ste 8, Champaign, IL, 61820-2552 | 3.5 | |
| State Farm | Todd Jacob | 2105 N Dunlap Ave Ste 1b, Savoy, IL, 61874 | 3.5 |
Compare Rates for Urbana, 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 | $1,160 | $560 |
| Champaign County, IL | $154,800 | $775 | $530 | $1,080 | $550 |
| Urbana, IL | $146,700 | $758 | $520 | $1,080 | $560 |
| Pesotum, IL | $121,000 | $715 | $490 | $990 | $500 |
| Penfield, IL | $85,000 | $596 | $440 | $840 | $400 |
| Fairmount, IL | $69,300 | $534 | $360 | $740 | $380 |
| Cheney's Grove, IL | $98,200 | $644 | $460 | $900 | $440 |
| East Oakland, IL | $87,100 | $604 | $430 | $860 | $430 |
| Oreana, IL | $97,800 | $642 | $460 | $890 | $430 |
| Colfax, IL | $96,600 | $638 | $440 | $890 | $450 |
| Lovejoy, IL | $71,900 | $545 | $390 | $780 | $390 |
| South Wheatland, IL | $116,300 | $701 | $470 | $970 | $500 |
| Gays, IL | $67,300 | $525 | $380 | $750 | $370 |
Research Home Insurance Companies Reviews in Urbana, IL Before Buying | Back to Top
Share a review on your home insurance company
Allstate Home Insurance Reviews
Date: March 31, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
Customer service has been great. They have answered questions and are quick provide us with the documentation we request for our files.
Date: January 18, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Customer Service
I truely love allstate. No problems over here. Ive been with them for years.
Date: December 02, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Policy Offerings
All state offers many competitive rates when comparing other insurance policies. They also offered multi insurance discounts
State Farm Home Insurance Reviews
Date: February 28, 2019 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Premium
The premiums are reasonable and comparable to other insurance companies. Varying deductibles.
Date: October 22, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Policy Offerings
I believe it covers the structure, the barn and garage and some of the contents of the home. It is covered if there is a fire or weather damage but not flooding.
AAA Home Insurance Reviews
Date: May 25, 2019 Age: 20 to 29 Gender: Married Marital Status: Male
Premium
The prices for premium and deductible are a bit higher with AAA, but i am a strong believer in you get what you pay for
Safeco Insurance Home Insurance Reviews
Date: July 02, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Policy Offerings
This is my first time using a home insurance company,the rate seems fair and as I said earlier, I have only had quick responses when I have reached out with questions.
American Family Insurance Home Insurance Reviews
Date: October 12, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Premium
The deductible was the lowest that we had ever had. It was a good thing, since we had to make a claim. I was satisfied with the deductible and I hope I don't have to pay it again to be honest.
Farmer's Insurance Home Insurance Reviews
Date: August 08, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
I use Farmer's Home Insurance. I rate them a 5. I have used them a couple times for home water damage. Both times they were very responsive.