Gavop's guide to buying homeowners insurance in Sumner, 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.
| Sumner, 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 | |
| Murphy Ln, Dubois Ave, 900 E, 7th St, 1380E, 11th St, E Cherry St, Sand Barrens Ln, Cherry St, 15th St | $70,000 | $60,000 | $75,000-$100,000 | $52,000 | $40,000 | $25,000-$50,000 |
| 250N, 850N, Kickapoo Ln, 620 N, 6th St, E Locust St, 1000N, 420E, 970N, Smith St | $73,000 | $70,000 | $50,000-$75,000 | $93,500 | $80,000 | $75,000-$100,000 |
| W Locust St, Hershey Rd, 650N, E North Railroad St, 610N, E Railroad St, 850 N, Co Rd 8, Meager St, 1150E | $87,500 | $80,000 | $100,000-$125,000 | $61,000 | $50,000 | $50,000-$75,000 |
| W Circle Rd, Castle Rd, Sugarberry Rd, Otha St, 550E, US Hwy 50, 800 N, 1300E, Billet Ln, 200N | $82,500 | $70,000 | $75,000-$100,000 | $44,500 | $40,000 | $25,000-$50,000 |
| Poplar St, W Railroad St, Robbins Rd, 550N, 080N, 800E, Co Rd 9, 200 N, Bunker Hill Ln, Akin Rd | $106,500 | $90,000 | $75,000-$100,000 | $45,000 | $40,000 | $25,000-$50,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$109 | $465 |
| Superior Protection Discount | -$57 | $517 |
| Fire & Security Discount | -$52 | $522 |
| Hail Resistant Roof Discount | -$17 | $557 |
| Newly Constructed Home Discount | -$138 | $436 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,975 |
| Physical Damage | $2,440 |
| Hail Damage | $4,853 |
| Wind Damage | $6,496 |
| Expensive Claims | |
| Fire | $42,889 |
| Smoke | $16,553 |
| Home Insurance Company Sumner, IL | Homeowners Insurance Agency Sumner, IL | Address | Popularity Score | Distance from Sumner (miles) |
|---|---|---|---|---|
| Erie | Farley Insurance Agency Inc | 124 W Washington Street, Newton, IL, 62448 | 24.7 | |
| State Farm | James Cook | 1340 Il Highway 1 Ste C, Carmi, IL, 62821-4943 | 47.8 | |
| State Farm | Lauren Mcclain | 409 S Whittle Ave, Olney, IL, 62450-2262 | 11.8 | |
| Liberty Mutual Independent | Blanks Insurance Agency Llc | 515 S Whittle Avenue, Olney, IL, 62450 | 11.8 | |
| Travelers | Staley Insurance Agency | P O Box 185, Casey, IL, 62420 | 40.8 | |
| State Farm | Beth Robinson | 1120 Bond Street, Lawrenceville, IL, 62439-2320 | 9.1 | |
| State Farm | Mike Kirk | 902 N Route 49, Casey, IL, 62420-1454 | 41.6 | |
| Allstate | Runyon Insurance Agency Inc | 629 W Main St, Olney, IL, 62450 | 12.2 | |
| State Farm | Cathy Conley | 222 S West St, Olney, IL, 62450-1142 | 12.3 | |
| State Farm | Leon Gobczynski | 312 W Wabash Avenue, Effingham, IL, 62401-2668 | 45.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $580 | $1,180 | $600 |
| Lawrence County, IL | $72,400 | $835 | $590 | $1,140 | $550 |
| Sumner, IL | $38,900 | $574 | $380 | $790 | $410 |
| Robinson, IL | $85,700 | $814 | $550 | $1,160 | $610 |
| Emison, IN | $64,300 | $604 | $420 | $830 | $410 |
| Clay City, IL | $56,400 | $477 | $320 | $670 | $350 |
| Lamotte, IL | $65,900 | $519 | $350 | $730 | $380 |
| Palmyra, IN | $161,800 | $929 | $620 | $1,290 | $670 |
| Coffee, IL | $73,900 | $553 | $390 | $780 | $390 |
| Burnt Prairie, IL | $90,300 | $616 | $440 | $880 | $440 |
| Big Mound, IL | $64,500 | $513 | $340 | $710 | $370 |
| Effingham County, IL | $137,300 | $735 | $500 | $1,040 | $540 |
| Iuka, IL | $78,500 | $571 | $410 | $810 | $400 |