How Can I Make My Champaign, IL Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Champaign, IL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
Compare Quotes from Top Providers and Save now!
Estimate Appropriate Champaign, IL Home Insurance Coverage Levels | Back to Top
| Champaign, IL - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Parsley Dr, Bedford Dr, Dale Dr, N Chestnut St, Carisbrooke Dr, Briar Ln, Hallbeck Dr, Firethorn Dr, Dogwood Dr, Hadley Dr | $149,000 | $140,000 | $150,000-$175,000 | $105,500 | $90,000 | $100,000-$125,000 |
| Bloomfield Ct, Chickory Dr, S Neil St, Foothill Dr, Byrnebruk Dr, Somer Dr, Weeping Cherry Dr, Honeysuckle Ln, Clayton Blvd, Sunset Dr | $212,000 | $200,000 | $200,000-$250,000 | $117,000 | $110,000 | $100,000-$125,000 |
| Dobbins Dr, Cardinal Rd, W Cardinal Rd, Harbor Point Dr, N James St, Co Rd 2100 N, Research Rd, Leichner Dr, Sandra St, Lakeside Dr | $165,500 | $130,000 | $175,000-$200,000 | $97,500 | $80,000 | $100,000-$125,000 |
| W Wascher Dr, Heritage Dr, S Edwin St, Aztec Dr, I- 57, Amherst Dr, Winston Dr, Ivy Ct, Greenvalley Ln, N Race St | $187,500 | $160,000 | $150,000-$175,000 | $135,500 | $120,000 | $150,000-$175,000 |
| W White St, Irvine Rd, Wesley Ave, S Victor St, Co Rd 1, S 5th St, I- 74, E White St, Foxwell Ct, Royal Ct | $136,000 | $110,000 | $150,000-$175,000 | $87,500 | $70,000 | $100,000-$125,000 |
| N Orchard St, St Marys Rd, The Summit, Juniper Dr, Chalmers St, Newmark Dr, Market St, Stillwater Dr, S Cedar St, S Garfield Ave | $140,500 | $130,000 | $150,000-$175,000 | $69,000 | $60,000 | $75,000-$100,000 |
| Villa Dr, Trade Center Dr, S Broadway Ave, Peabody Dr, Herbert Rd, Bloomington Rd, Farmington Dr, Quince Dr, Dunlap Ct, Brook Ridge Cir | $224,000 | $200,000 | $200,000-$250,000 | $109,000 | $90,000 | $125,000-$150,000 |
| N 5th St, N Orchard St, Seaton Ct, Rose Dr, Potomac Ave, Woodlane Glen Ln, Firethorn Ln, Country Lake Dr, Aztec Pl, Hale Haven Ct | $264,500 | $220,000 | $200,000-$250,000 | $121,500 | $100,000 | $100,000-$125,000 |
| Willoughby Rd, Waters Edge Rd, E Church St, Campbell Dr, Brian Ct, Tara Dr, Bel Air Ct, Cherry Hills Dr, Ashley Ln, Noel Dr | $234,000 | $200,000 | $200,000-$250,000 | $153,000 | $140,000 | $125,000-$150,000 |
| Hackberry Ct, Fairoaks Dr, Lakeview Ct, Kimberly Dr, Farber Dr, Meadow Ct, Belmore Ct, Joseph St, Ellis Dr, Co Rd 1975 N | $135,500 | $120,000 | $100,000-$125,000 | $65,500 | $60,000 | $50,000-$75,000 |
Estimate your Savings with Home Insurance Discounts in Champaign, IL | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$125 | $655 |
| Superior Protection Discount | -$70 | $710 |
| Fire & Security Discount | -$78 | $702 |
| Hail Resistant Roof Discount | -$23 | $756 |
| Newly Constructed Home Discount | -$179 | $601 |
Choose your Champaign, IL Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,216 |
| Physical Damage | $2,344 |
| Hail Damage | $4,618 |
| Wind Damage | $6,114 |
| Expensive Claims | |
| Fire | $46,910 |
| Smoke | $16,051 |
Identify Top Home Insurance Agents near Champaign, IL | Back to Top
| Home Insurance Company Champaign, IL | Homeowners Insurance Agency Champaign, IL | Address | Popularity Score | Distance from Champaign (miles) |
|---|---|---|---|---|
| State Farm | Darwyn Boston | 101 S Lincoln Street, Mahomet, IL, 61853-6002 | 8.8 | |
| State Farm | Grant Scofield | 1405 E Florida Ave Ste B, Urbana, IL, 61801-6012 | 4.5 | |
| Erie | Bob Oetting & Associates | 905 W Lincoln Avenue, Charleston, IL, 61920 | 43.7 | |
| State Farm | Mike Sprague | 2313 E Oakland Ave, Bloomington, IL, 61701-5840 | 43.8 | |
| State Farm | Nick Smith | 2704 Boulder Dr Ste C, Urbana, IL, 61802-7832 | 5.0 | |
| State Farm | Kurt Lenschow | 2309c Village Green Pl, Champaign, IL, 61822-7686 | 2.4 | |
| State Farm | John Caywood | 505 E University Ave Ste A, Champaign, IL, 61820-3848 | 2.2 | |
| Erie | Sticklen Insurance Agency | 3109 E Tatman Court Suite 101, Urbana, IL, 61802 | 5.9 | |
| State Farm | Marcy Mcanally | 900 S Mattis Ave, Champaign, IL, 61821-4352 | 0.6 | |
| State Farm | Jeff Mcmorris | 710 N Gilbert St, Danville, IL, 61832-3942 | 33.8 |
Compare Rates for Champaign, 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 | $580 | $1,200 | $620 |
| Champaign County, IL | $154,800 | $775 | $530 | $1,110 | $580 |
| Champaign, IL | $156,700 | $780 | $530 | $1,110 | $580 |
| South Homer, IL | $117,400 | $704 | $490 | $990 | $500 |
| Ludlow, IL | $109,600 | $681 | $490 | $970 | $480 |
| Wall, IL | $159,900 | $810 | $580 | $1,120 | $540 |
| Oreana, IL | $97,800 | $642 | $440 | $910 | $470 |
| Humboldt, IL | $74,900 | $557 | $400 | $790 | $390 |
| McLean County, IL | $163,800 | $794 | $570 | $1,140 | $570 |
| Macon County, IL | $95,900 | $617 | $440 | $850 | $410 |
| Lexington, IL | $149,600 | $788 | $540 | $1,080 | $540 |
| Macon, IL | $94,300 | $630 | $450 | $860 | $410 |
| Avoca, IL | $179,800 | $850 | $570 | $1,200 | $630 |
Research Home Insurance Companies Reviews in Champaign, 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: Male Marital Status: Married
Customer Service
Our State Farm office is located in Union Grove, Wisconsin. Being a smaller town, we find we get immediate service whenever we call. The staff is always helpful and friendly.
Date: April 06, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Policy Offerings
it cost a bit more to be insured by state farm but their experience, customer service and financial stability make it worth the cost
Date: March 08, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
We really did not shop around for other insurance policies. We are happy with the insurance that we have with State Farm.
Date: December 10, 2018 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Premium
Based on some quotes I have gotten, I believe my premiums are pretty good. It is hard to get a quote of 4 services at once. Agan, pretty good service on all products.
Erie Insurance Home Insurance Reviews
Date: July 26, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Policy Offerings
I haven't really explored other home insurance companies so I'm not sure how their policies compare. However, I've been happy with what has been included in my policy, although thankfully I've never had to use it!
Date: July 18, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
When we bought our house I did a lot of research about what insurance company offered the best policies. I have done multiple searches and got multiple quotes and my company's was the best.
American Family Insurance Home Insurance Reviews
Date: July 04, 2019 Age: 50 to 59 Gender: Male Marital Status: Married
Premium
THIS POLICIES IS BEST SECURE FOR MY FAMILY AND OTHER CONSUMERS.THEY OFFER MANY PLICY OFFERINGS AND THE BENEFITS REGARDING THEIR ATTRACTIONS.
Date: May 27, 2019 Age: 40 to 49 Gender: Married Marital Status: Male
Customer Service
This company took care of me when my house got flooded due to a busted sprinkler system.As soon as I called they scheduled a contractor to come out and assess the damage.
AAA Home Insurance Reviews
Date: August 16, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Customer Service
I have contacted my home owners insurance one time but ultimately did not file a claim. They were very helpful in my decision making process.
Liberty Mutual Home Insurance Reviews
Date: September 13, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
This was unsatisfactory beacuse they failed to make it clear in the agreement which items would not be covered. Our unit has broken.
Allstate Home Insurance Reviews
Date: January 14, 2020 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Policy Offerings
All sate provides fire, theft, and property damage to our home along side auto insurance with comp and collision coverage.
Allied Insurance Home Insurance Reviews
Date: October 17, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Website/App
I really like that it was easy to get a quote and start the policy even while using the website on a phone. The app is very simple and easy to use. Another thing is that they donate a part of all the premiums collected.
GEICO Home Insurance Reviews
Date: October 17, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
Their premium and deductible are very affordable for all the customers. They have very reasonable prices. They also have incentives that makes this company to have a lot of costumers.
Meemic Insurance Home Insurance Reviews
Date: August 11, 2019 Age: 50 to 59 Gender: Male Marital Status: Married
Premium
I compare my policy with at least three other insurance vendors in my area. Deductibles and coverage being roughly equal, every other insurance provider in my area is at least 10% more expensive than MEEMIC
Saferoad Insurance Home Insurance Reviews
Date: October 27, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Premium
My premium is very low, and it was the best rate I could get comparatively. I tried several comapnies and my company gave me the lowest!