Gavop shows you how to buy homeowners insurance in Cincinnati, IL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $48,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $123,000 | $110,000 | $125,000-$150,000 |
| 3 Bedroom | $121,000 | $100,000 | $125,000-$150,000 |
| 4 Bedroom | $251,500 | $230,000 | $250,000-$300,000 |
| 5 Bedroom | $181,500 | $160,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$91 | $561 |
| Superior Protection Discount | -$65 | $587 |
| Fire & Security Discount | -$46 | $607 |
| Hail Resistant Roof Discount | -$13 | $640 |
| Newly Constructed Home Discount | -$144 | $509 |
| 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 |
| Tazewell County | $2,500 | $726 | $3,226 | $528 | $3,028 | $199 |
| Cincinnati, IL | $2,000 | $645 | $2,645 | $469 | $2,469 | $176 |
| Eminence, IL | $500 | $817 | $1,317 | $594 | $1,094 | $223 |
| Putman, IL | $2,500 | $556 | $3,056 | $404 | $2,904 | $152 |
| White Oak, IL | $300 | $770 | $1,070 | $559 | $859 | $210 |
| Sparland, IL | $2,500 | $571 | $3,071 | $415 | $2,915 | $156 |
| Petersburg South No. 15, IL | $400 | $840 | $1,240 | $610 | $1,010 | $230 |
| Marshall County, IL | $2,500 | $607 | $3,107 | $441 | $2,941 | $166 |
| Vermont, IL | $500 | $470 | $970 | $342 | $842 | $129 |
| St. Augustine, IL | $1,500 | $441 | $1,941 | $320 | $1,820 | $120 |
| Buffalo Hart, IL | $300 | $770 | $1,070 | $559 | $859 | $210 |
| Riverton, IL | $1,000 | $631 | $1,631 | $459 | $1,459 | $173 |
| Home Insurance Company Cincinnati, IL | Homeowners Insurance Agency Cincinnati, IL | Address | Popularity Score | Distance from Cincinnati (miles) |
|---|---|---|---|---|
| State Farm | Jackie Padesky | 315 5th St, Lacon, IL, 61540-1209 | 37.4 | |
| Farmers | Shawn Bryan | 6106 S Adams St, Bartonville, IL, 61607 | 9.1 | |
| State Farm | Dan Pfeifer | 1000 Court St, Pekin, IL, 61554-7511 | 3.6 | |
| Allstate | Laure Feld | 4530 N Brandywine Dr, Peoria, IL, 61614 | 15.6 | |
| State Farm | Randy Begole | 103 W Forrest Hill Ave, Peoria, IL, 61604-1640 | 14.7 | |
| Travelers | Alexander Murray Agency | 12 Valley Forge Plz, Washington, IL, 61571 | 18.0 | |
| Farmers | Loren Zimmerman | 2600 N Knoxville Ave, Peoria, IL, 61604 | 14.3 | |
| Travelers | Seibel Insurance Agency | 911 W Garfield, Bartonville, IL, 61607 | 8.8 | |
| State Farm | Patty Friedrich | 808 Derby St, Pekin, IL, 61554-5847 | 2.9 | |
| Travelers | Seibel Insurance Agency | 911 W Garfield Ave, Bartonville, IL, 61607 | 8.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $570 | $1,170 | $600 |
| Tazewell County, IL | $137,300 | $735 | $510 | $1,050 | $540 |
| Cincinnati, IL | $145,200 | $653 | $440 | $900 | $460 |
| Eminence, IL | $167,900 | $827 | $590 | $1,130 | $540 |
| Putman, IL | $76,500 | $563 | $380 | $780 | $400 |
| White Oak, IL | $145,900 | $779 | $560 | $1,100 | $540 |
| Sparland, IL | $80,200 | $578 | $420 | $810 | $390 |
| Petersburg South No. 15, IL | $180,000 | $850 | $590 | $1,170 | $580 |
| Marshall County, IL | $103,300 | $615 | $450 | $850 | $400 |
| Vermont, IL | $56,200 | $476 | $340 | $670 | $330 |
| St. Augustine, IL | $50,000 | $446 | $310 | $610 | $300 |
| Buffalo Hart, IL | $145,800 | $779 | $550 | $1,080 | $530 |
| Riverton, IL | $96,800 | $639 | $470 | $900 | $430 |