Gavop's guide to buying homeowners insurance in Mount Vernon, 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.
| Mount Vernon, 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 | |
| Meadowbrook Rd, Peach St, Twp Rd 412, New Fairfield Rd, S 1st St, County Farm Rd, E Green Rd, S 12th St, Co Hwy 3, N Liberty Ln | $106,000 | $100,000 | $75,000-$100,000 | $106,000 | $100,000 | $75,000-$100,000 |
| Wescott St, E Boyd Rd, N Squire Ln, Jay Dr, Fergerson St, Lyons Ct, State Rte 148, Co Rd 950 E, Grand Ave, Spruce Dr | $172,500 | $160,000 | $150,000-$175,000 | $121,500 | $110,000 | $100,000-$125,000 |
| Evergreen Dr, E Garden Rd, S 12th St, N Bunny Farm Rd, N Cherryville Ln, Ridge Ave, N Johnson Aly, Quincy Ln, N State Rte 148, S 8th St | $141,500 | $110,000 | $150,000-$175,000 | $114,500 | $110,000 | $100,000-$125,000 |
| S 44th St, E Straw Rd, Regal Ests, Central Ave, E Harlan Rd, Bishop Ave, Highland Vw, Co Rd 1285 E, Twp Rd 188, SE Crescent Dr | $165,000 | $150,000 | $150,000-$175,000 | $121,500 | $110,000 | $75,000-$100,000 |
| E Bellview Rd, Co Rd 825 E, Fairway Dr, N Dartmouth Ln, Centralia Rd, E Pebble Rd, E Butternut Rd, Tangle Wood Dr, N Tolle Ln, N Garden Ln | $130,500 | $100,000 | $150,000-$175,000 | $152,000 | $130,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$155 | $659 |
| Superior Protection Discount | -$73 | $741 |
| Fire & Security Discount | -$73 | $741 |
| Hail Resistant Roof Discount | -$24 | $790 |
| Newly Constructed Home Discount | -$220 | $594 |
| 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 |
| Jefferson County | $2,000 | $599 | $2,599 | $435 | $2,435 | $164 |
| Mount Vernon, IL | $1,500 | $804 | $2,304 | $584 | $2,084 | $220 |
| Dix, IL | $300 | $572 | $872 | $416 | $716 | $156 |
| Nason, IL | $1,500 | $412 | $1,912 | $299 | $1,799 | $113 |
| Northern, IL | $300 | $670 | $970 | $487 | $787 | $183 |
| Marion County, IL | $2,000 | $935 | $2,935 | $680 | $2,680 | $256 |
| Damiansville, IL | $1,000 | $791 | $1,791 | $575 | $1,575 | $216 |
| Albion No. 2, IL | $400 | $571 | $971 | $415 | $815 | $156 |
| North Fork, IL | $2,500 | $501 | $3,001 | $364 | $2,864 | $137 |
| Stonefort, IL | $400 | $604 | $1,004 | $439 | $839 | $165 |
| Albion No. 1, IL | $1,500 | $522 | $2,022 | $379 | $1,879 | $143 |
| Home Insurance Company Mount Vernon, IL | Homeowners Insurance Agency Mount Vernon, IL | Address | Popularity Score | Distance from Mount Vernon (miles) |
|---|---|---|---|---|
| State Farm | Dave Brandmeyer | 9 E Broadway, Trenton, IL, 62293-1301 | 46.1 | |
| State Farm | James Cook | 1340 Il Highway 1 Ste C, Carmi, IL, 62821-4943 | 42.2 | |
| State Farm | Carrie Rice | 521 W Main St, Fairfield, IL, 62837-1624 | 30.3 | |
| State Farm | Allison Bash | 1 Mascoutah Plaza Dr, Mascoutah, IL, 62258-1350 | 49.3 | |
| Erie | Thacker Insurance Service | 315 W College Avenue, Greenville, IL, 62246 | 48.1 | |
| State Farm | Jack Graham | 426 W Broadway, Centralia, IL, 62801-3112 | 19.2 | |
| Travelers | Foppe Insurance Agency Inc | 215 N Main St., Breese, IL, 62230 | 38.8 | |
| Erie | Bob White Insurance Agency Llc | Po Box 832, Mount Vernon, IL, 62864 | 0.8 | |
| State Farm | Al Lemke | 2501 Broadway St, Mount Vernon, IL, 62864-2918 | 0.3 | |
| State Farm | Hugh Frailey | 1001 N Main St, Benton, IL, 62812-1021 | 21.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $570 | $1,160 | $590 |
| Jefferson County, IL | $92,700 | $606 | $410 | $840 | $430 |
| Mount Vernon, IL | $75,200 | $814 | $560 | $1,130 | $570 |
| Dix, IL | $80,500 | $579 | $390 | $800 | $410 |
| Nason, IL | $44,100 | $417 | $300 | $580 | $280 |
| Northern, IL | $108,600 | $678 | $460 | $940 | $480 |
| Marion County, IL | $71,900 | $947 | $680 | $1,300 | $620 |
| Damiansville, IL | $155,500 | $801 | $540 | $1,110 | $570 |
| Albion No. 2, IL | $80,300 | $578 | $390 | $820 | $430 |
| North Fork, IL | $63,200 | $507 | $340 | $730 | $390 |
| Stonefort, IL | $88,800 | $611 | $420 | $860 | $440 |
| Albion No. 1, IL | $67,900 | $528 | $360 | $730 | $370 |