Gavop shows you how to buy homeowners insurance in Shelby County, 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 | $39,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $86,500 | $80,000 | $100,000-$125,000 |
| 3 Bedroom | $93,500 | $80,000 | $75,000-$100,000 |
| 4 Bedroom | $113,000 | $100,000 | $75,000-$100,000 |
| 5 Bedroom | $206,500 | $180,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$133 | $696 |
| Superior Protection Discount | -$75 | $754 |
| Fire & Security Discount | -$58 | $770 |
| Hail Resistant Roof Discount | -$25 | $803 |
| Newly Constructed Home Discount | -$207 | $621 |
| 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 |
| Shelby County | $1,500 | $818 | $2,318 | $595 | $2,095 | $224 |
| Shelby County, IL | $1,500 | $818 | $2,318 | $595 | $2,095 | $224 |
| Rose, IL | $100 | $650 | $750 | $472 | $572 | $178 |
| Westervelt, IL | $700 | $402 | $1,102 | $292 | $992 | $110 |
| Strasburg, IL | $100 | $579 | $679 | $421 | $521 | $158 |
| Lafayette, IL | $1,500 | $810 | $2,310 | $589 | $2,089 | $221 |
| Fayette County, IL | $400 | $804 | $1,204 | $584 | $984 | $220 |
| Jeisyville, IL | $1,000 | $482 | $1,482 | $350 | $1,350 | $132 |
| Hillsboro, IL | $400 | $825 | $1,225 | $600 | $1,000 | $226 |
| Pawnee, IL | $1,000 | $730 | $1,730 | $531 | $1,531 | $200 |
| Louisville, IL | $500 | $545 | $1,045 | $396 | $896 | $149 |
| Murdock, IL | $700 | $761 | $1,461 | $553 | $1,253 | $208 |
| Home Insurance Company Shelby County, IL | Homeowners Insurance Agency Shelby County, IL | Address | Popularity Score | Distance from Shelby County (miles) |
|---|---|---|---|---|
| State Farm | Ali Doolin | 1101 Clement Ave, Forsyth, IL, 62535-9626 | 37.8 | |
| Erie | Bob Oetting & Associates | 905 W Lincoln Avenue, Charleston, IL, 61920 | 33.0 | |
| State Farm | Diane Sullivan | 2950 N Water St Ste 305, Decatur, IL, 62526-6521 | 34.8 | |
| State Farm | Mike Mandrell | 1212 E Pershing Road, Decatur, IL, 62526-4729 | 34.8 | |
| State Farm | Carole Brooker | 2605 N Main St, Decatur, IL, 62526-3229 | 34.6 | |
| State Farm | Frank Allbright | 212 1st St, Pana, IL, 62557-1408 | 15.0 | |
| State Farm | Jeremy Jokisch | 1821 W Main St, Shelbyville, IL, 62565-9586 | 1.7 | |
| Travelers | The Floyd Agency | 2805 N Jasper St, Decatur, IL, 62526 | 34.5 | |
| State Farm | Susan Vermette | 440 N 22nd St, Decatur, IL, 62521-1576 | 32.5 | |
| Travelers | Central Illinois Agents Group Llc | 15 S Locust St, Pana, IL, 62557 | 15.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $580 | $1,170 | $590 |
| Shelby County, IL | $86,800 | $828 | $600 | $1,150 | $550 |
| Shelby County, IL | $86,800 | $828 | $570 | $1,140 | $570 |
| Rose, IL | $102,400 | $658 | $440 | $940 | $500 |
| Westervelt, IL | $42,100 | $407 | $290 | $570 | $280 |
| Strasburg, IL | $82,200 | $586 | $430 | $830 | $400 |
| Lafayette, IL | $164,500 | $820 | $570 | $1,170 | $600 |
| Fayette County, IL | $84,000 | $814 | $550 | $1,150 | $600 |
| Jeisyville, IL | $58,800 | $488 | $340 | $680 | $340 |
| Hillsboro, IL | $80,000 | $835 | $590 | $1,150 | $560 |
| Pawnee, IL | $129,700 | $739 | $500 | $1,050 | $550 |
| Louisville, IL | $73,700 | $552 | $380 | $760 | $380 |
| Murdock, IL | $142,000 | $770 | $550 | $1,090 | $540 |