How Can I Make My Wood River, IL Home Insurance Cheaper
Gavop tells you how to get the best homeowners insurance in Wood River, 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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Select the Suitable Coverage Value for your Wood River, IL Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $35,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $65,000 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $77,000 | $60,000 | $50,000-$75,000 |
| 4 Bedroom | $160,000 | $130,000 | $125,000-$150,000 |
| 5 Bedroom | $278,000 | $250,000 | $250,000-$300,000 |
Estimate your Savings with Home Insurance Discounts in Wood River, IL | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$116 | $494 |
| Superior Protection Discount | -$55 | $555 |
| Fire & Security Discount | -$49 | $561 |
| Hail Resistant Roof Discount | -$18 | $592 |
| Newly Constructed Home Discount | -$122 | $488 |
Choose your Wood River, IL Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,794 |
| Physical Damage | $2,344 |
| Hail Damage | $4,806 |
| Wind Damage | $6,687 |
| Expensive Claims | |
| Fire | $46,910 |
| Smoke | $17,556 |
Identify Top Home Insurance Agents near Wood River, IL | Back to Top
| Home Insurance Company Wood River, IL | Homeowners Insurance Agency Wood River, IL | Address | Popularity Score | Distance from Wood River (miles) |
|---|---|---|---|---|
| Travelers | Aw Insurance | 435a South Buchanan, Edwardsville, IL, 62025 | 8.5 | |
| State Farm | Adam Wolfe | 3012 S State Route 159, Glen Carbon, IL, 62034-3109 | 9.7 | |
| Travelers | Macias Insurance Agency | 1101 W Delmar Ave, Godfrey, IL, 62035 | 7.3 | |
| State Farm | Ted Mitchell | 101 Southpointe Dr Ste A, Edwardsville, IL, 62025-3718 | 8.6 | |
| Erie | Arrow Insurance Specialists Inc. | 216 E Main Street, Collinsville, IL, 62234 | 15.1 | |
| Travelers | Assurance Brokers Ltd | 95 N Research Dr # 100, Edwardsville, IL, 62025 | 7.7 | |
| State Farm | Scott Neudecker | 1646 Main Street, Alton, IL, 62002-3925 | 4.0 | |
| State Farm | Tom Lane | 116 W Bethalto Blvd, Bethalto, IL, 62010-1703 | 2.8 | |
| Travelers | Foppe Insurance Agency Inc | 215 N Main St., Breese, IL, 62230 | 35.2 | |
| Travelers | Sailor Insurance Agency | 225 N Main St, Edwardsville, IL, 62025 | 8.0 |
Compare Rates for Wood River, 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 | $1,200 | $600 |
| Madison County, IL | $130,200 | $718 | $490 | $1,000 | $510 |
| Wood River, IL | $94,000 | $610 | $420 | $860 | $440 |
| Pasadena Hills, MO | $174,700 | $1,157 | $780 | $1,630 | $850 |
| Jersey, IL | $125,700 | $677 | $480 | $940 | $460 |
| Lemay, MO | $120,700 | $973 | $700 | $1,350 | $650 |
| Kirkwood, MO | $273,900 | $981 | $670 | $1,340 | $670 |
| Sappington, MO | $202,500 | $867 | $630 | $1,210 | $580 |
| Shaws Point, IL | $209,400 | $901 | $620 | $1,270 | $650 |
| Imperial, MO | $168,000 | $811 | $590 | $1,110 | $520 |
| St. Libory, IL | $120,400 | $713 | $480 | $1,010 | $530 |
| North Otter, IL | $153,600 | $797 | $530 | $1,100 | $570 |
| Harvel, IL | $58,300 | $485 | $350 | $690 | $340 |
Research Home Insurance Companies Reviews in Wood River, IL Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: October 25, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
I'm satisfied with the deductible. Obviously the lowest deductible is preferred, but would have to pay for it.
Date: April 01, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
Our premium is reasonable and comparable to what other companies offer. We do get a multi-policy discount as well. Our deductible is also comparable to what similar insurance companies offer.
Date: February 06, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
State Farm had mulitple options so there is always a way to find a premium that makes sense and is affordable. All of the prices were great.
Date: January 21, 2019 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Policy Offerings
My policy covers all my needs. I also receive lower rates because I group my car and house insurance with State Farm.
Date: December 07, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
5. I am very satisfied with my insurance company. They bundle my home and auto insurance for a good price.
Date: October 30, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Communication
The communcation is very good as well the office always gets back to me whether by for or email. Although the staff isn't as knowledgable as I would like the principal is very knowledgable and she is very responsive.
Allstate Home Insurance Reviews
Date: December 30, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
we didn't compare shop when we chose allstate. I feel like it affordable for what we have and we have never had a problem. our deductible is affordable but not too low that we are paying out the nose for premiums either
Date: October 28, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Policy Offerings
I have coverage for burglary and storm damage. That is all I really feel that I need. They've offered me more, but I can not afford it.
Progressive Home Insurance Reviews
Date: January 05, 2020 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
there policies are useful for every house where maintenance is an issue and is my better than other providers.
Nationwide Home Insurance Reviews
Date: December 22, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
I have been luck to no have to deal with my homeowners insurance company for the last 10 years. The last claim I had on my home was 11 years ago.The customer service for Nationwide Insurance was exceptional.
Travelers Home Insurance Reviews
Date: October 09, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Premium
The Traveler's quote my agent provided was significantly less then Safeco's for almost the exact same coverage levels, so I was pleasantly surprised at the premium amount.
Erie Insurance Home Insurance Reviews
Date: July 16, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
When shopping for home insurance we had looked at multiple companies, including the company that we had carried insurance with for over a decade.
The Hartford Home Insurance Reviews
Date: May 22, 2019 Age: 30 to 39 Gender: Married Marital Status: Female
Premium
We chose to go with a higher monthly premium in order to have this company for our house and the rentals we own due to reviews and ratings of the company