Gavop's guide to buying homeowners insurance in Waterloo, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $68,500 | $60,000 | $75,000-$100,000 |
| 2 Bedroom | $188,000 | $160,000 | $150,000-$175,000 |
| 3 Bedroom | $223,500 | $190,000 | $175,000-$200,000 |
| 4 Bedroom | $292,000 | $250,000 | $250,000-$300,000 |
| 5 Bedroom | $282,500 | $250,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$122 | $595 |
| Superior Protection Discount | -$65 | $653 |
| Fire & Security Discount | -$72 | $646 |
| Hail Resistant Roof Discount | -$14 | $703 |
| Newly Constructed Home Discount | -$143 | $574 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,216 |
| Physical Damage | $2,440 |
| Hail Damage | $4,618 |
| Wind Damage | $6,305 |
| Expensive Claims | |
| Fire | $46,463 |
| Smoke | $17,222 |
| Home Insurance Company Waterloo, IL | Homeowners Insurance Agency Waterloo, IL | Address | Popularity Score | Distance from Waterloo (miles) |
|---|---|---|---|---|
| State Farm | Stacy Jackson | 871 N Illinois Route 3, Waterloo, IL, 62298-1078 | 0.9 | |
| Travelers | Petri Insurance | 119 W Mill St, Waterloo, IL, 62298 | 0.4 | |
| Allstate | Richard Smith | 414 Range Ln, Cahokia, IL, 62206 | 15.5 | |
| State Farm | Bruce Doyle | 100 Veterans Pkwy, Columbia, IL, 62236-2508 | 8.1 | |
| Erie | A & W Insurance Agency Llc | 209a W Mill Street, Waterloo, IL, 62298 | 0.4 | |
| Travelers | Petri Insurance | 119 W Mill St, Waterloo, IL, 62298 | 0.4 | |
| State Farm | Chuck Pittman | 111 North Market Street, Waterloo, IL, 62298 | 0.3 | |
| State Farm | Sam Morrill | 1550 N Main St Ste C, Columbia, IL, 62236-1070 | 8.7 | |
| Travelers | Cassens Insurance Agency Inc | 400 St Louis St, Edwardsville, IL, 62025 | 34.1 | |
| Allstate | Fls Insurance Agency | 103 Mccrosky Professional Park, Columbia, IL, 62236 | 7.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $590 | $1,170 | $580 |
| Monroe County, IL | $195,500 | $852 | $610 | $1,210 | $600 |
| Waterloo, IL | $181,900 | $717 | $480 | $1,020 | $540 |
| Concord, MO | $155,100 | $788 | $570 | $1,080 | $510 |
| Bloomsdale, MO | $165,100 | $1,134 | $820 | $1,550 | $730 |
| St. Libory, IL | $120,400 | $713 | $480 | $980 | $500 |
| Ellis Grove, IL | $117,900 | $706 | $520 | $1,000 | $480 |
| Jarvis, IL | $182,500 | $718 | $520 | $1,010 | $490 |
| Sparta, IL | $88,000 | $821 | $570 | $1,140 | $570 |
| Lake St. Louis, MO | $218,300 | $892 | $610 | $1,230 | $620 |
| Pinckneyville No. 6, IL | $80,900 | $581 | $420 | $800 | $380 |
| Pinckneyville No. 2, IL | $81,700 | $584 | $430 | $840 | $410 |
| Brighton, IL | $161,000 | $813 | $550 | $1,160 | $610 |