Gavop shows you how to buy homeowners insurance in Winnebago 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 | $59,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $116,000 | $100,000 | $125,000-$150,000 |
| 3 Bedroom | $118,000 | $100,000 | $125,000-$150,000 |
| 4 Bedroom | $231,500 | $190,000 | $200,000-$250,000 |
| 5 Bedroom | $340,500 | $280,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$102 | $577 |
| Superior Protection Discount | -$68 | $611 |
| Fire & Security Discount | -$61 | $618 |
| Hail Resistant Roof Discount | -$20 | $659 |
| Newly Constructed Home Discount | -$143 | $536 |
| 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 |
| Winnebago County | $700 | $671 | $1,371 | $488 | $1,188 | $183 |
| Winnebago County, IL | $2,500 | $671 | $3,171 | $488 | $2,988 | $183 |
| Capron, IL | $300 | $651 | $951 | $473 | $773 | $178 |
| Oregon, IL | $1,500 | $682 | $2,182 | $495 | $1,995 | $186 |
| Buffalo, IL | $400 | $623 | $1,023 | $453 | $853 | $170 |
| Milton, WI | $700 | $614 | $1,314 | $446 | $1,146 | $168 |
| Dixon, IL | $100 | $604 | $704 | $439 | $539 | $165 |
| Jordan, WI | $1,500 | $687 | $2,187 | $499 | $1,999 | $188 |
| Coleta, IL | $300 | $603 | $903 | $438 | $738 | $165 |
| Pleasant Valley, IL | $1,000 | $914 | $1,914 | $664 | $1,664 | $250 |
| Rush, IL | $500 | $740 | $1,240 | $538 | $1,038 | $202 |
| Carpentersville, IL | $1,500 | $773 | $2,273 | $562 | $2,062 | $211 |
| Home Insurance Company Winnebago County, IL | Homeowners Insurance Agency Winnebago County, IL | Address | Popularity Score | Distance from Winnebago County (miles) |
|---|---|---|---|---|
| State Farm | David Im | 1245 Larkin Ave, Elgin, IL, 60123-6033 | 48.4 | |
| Travelers | Spring Grove Insurance | 2207 N Us Hwy 12 Ste F, Spring Grove, IL, 60081 | 47.7 | |
| State Farm | John Sutton | 1380 Dundee Avenue, Elgin, IL, 60120-2200 | 49.7 | |
| Farmers | Ann Meyer | 511 Eichler Dr, West Dundee, IL, 60118 | 47.9 | |
| Allstate | Gary Bonick | 10 Virginia Rd, Crystal Lake, IL, 60014 | 43.8 | |
| Farmers | Loretta Ingham | 128 S Main St, Algonquin, IL, 60102 | 46.1 | |
| Travelers | Lundstrom Insurance | 2205 Point Blvd Ste 200, Elgin, IL, 60123 | 46.1 | |
| State Farm | Carlos Escobedo | 515 E Algonquin Rd, Algonquin, IL, 60102-3004 | 46.6 | |
| State Farm | Mark Sychowski | 308 W Main St, Carpentersvle, IL, 60110-2844 | 47.1 | |
| Farmers | Craig Summerkamp | 820 E Terra Cotta Ave Ste 142, Crystal Lake, IL, 60014 | 45.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $570 | $1,210 | $640 |
| Winnebago County, IL | $115,900 | $679 | $480 | $930 | $450 |
| Winnebago County, IL | $115,900 | $679 | $490 | $940 | $450 |
| Capron, IL | $102,700 | $659 | $470 | $900 | $430 |
| Oregon, IL | $112,700 | $690 | $470 | $950 | $480 |
| Buffalo, IL | $94,500 | $631 | $450 | $880 | $430 |
| Milton, WI | $136,000 | $621 | $420 | $860 | $440 |
| Dixon, IL | $102,200 | $611 | $440 | $860 | $420 |
| Jordan, WI | $175,000 | $695 | $510 | $970 | $460 |
| Coleta, IL | $88,600 | $610 | $420 | $860 | $440 |
| Pleasant Valley, IL | $225,000 | $925 | $620 | $1,310 | $690 |
| Rush, IL | $133,600 | $749 | $510 | $1,030 | $520 |
| Carpentersville, IL | $158,500 | $783 | $520 | $1,080 | $560 |