Gavop shows you how to buy homeowners insurance in Harrisburg, IL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Harrisburg, IL - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Whitlock Rd, Oldtown Rd, Airshaft Rd, E Elm St, W College St, Payne Rd, Cornerville Rd, 175 E, St Marys Dr, Water Tower Rd | $101,000 | $80,000 | $75,000-$100,000 | $189,500 | $170,000 | $200,000-$250,000 |
| 850 E, E Poplar St, Grace Rd, Madrid Rd, S McKinley St, Loriann St, Mitchellsville Rd, S Roosevelt St, Poplar St, 300 N | $59,500 | $50,000 | $50,000-$75,000 | $95,500 | $80,000 | $75,000-$100,000 |
| Oglesby Rd, W Sloan St, James Rd, 1260 N, 1295 N, 1980 N, Muddy Rd, Mings Rd, Fono Hill Rd, 1490 E | $71,500 | $60,000 | $50,000-$75,000 | $81,500 | $70,000 | $50,000-$75,000 |
| Fire Rd, Kane Ln, Ogara St, Gobin Rd, 400 E, 1825 N, Berry Rd, S Saline St, Co Hwy 25, West Virginia St | $100,500 | $80,000 | $75,000-$100,000 | $77,000 | $60,000 | $50,000-$75,000 |
| 725 E, McHaney St, Russell St, Church St, Muddy Rd, W Homer Ave, Haney Rd, Derby Rd, W Locust St, Main St | $71,000 | $60,000 | $75,000-$100,000 | $138,000 | $120,000 | $125,000-$150,000 |
| E Maple St, 175 N, 650 E, S Feazel St, E McHaney St, Peachtree Pl, 2050 N, Ewell Rd, Dog Walk Rd, Barton Cemetery Rd | $129,500 | $120,000 | $150,000-$175,000 | $106,000 | $90,000 | $100,000-$125,000 |
| Brook Ln, N Hickory St, Willow Grove Rd, Shawnee Dr, 650 E, Co Rd 7, Providence Rd, 1325 N, Akens Rd, High Line Rd | $128,000 | $100,000 | $125,000-$150,000 | $114,000 | $100,000 | $100,000-$125,000 |
| 730 E, Mc Kinley St, Harmony Rd, Bramlett Cemetery Rd, Gandertown Rd, 600 E, Frond Hill Rd, Country Club Ln, W South St, Karel Park Rd | $99,000 | $90,000 | $75,000-$100,000 | $96,000 | $80,000 | $75,000-$100,000 |
| Saint Marys Dr, Cannon St, Brennon Dr, Galatia Post Rd, Grayson Ln, Ragan St, Largent St, W Furlong St, Cotton Rd, Bynum Rd | $105,500 | $90,000 | $75,000-$100,000 | $136,000 | $120,000 | $125,000-$150,000 |
| Legion St, Land Spring Rd, Angel Rd, Roberts Rd, Horseshoe Rd, N Lewis St, Franklin St, N Capital St, Co Hwy 5, 050 E | $78,000 | $70,000 | $75,000-$100,000 | $96,500 | $90,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$155 | $659 |
| Superior Protection Discount | -$73 | $741 |
| Fire & Security Discount | -$81 | $733 |
| Hail Resistant Roof Discount | -$16 | $798 |
| Newly Constructed Home Discount | -$212 | $602 |
| 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 |
| Saline County | $700 | $804 | $1,504 | $584 | $1,284 | $220 |
| Harrisburg, IL | $700 | $804 | $1,504 | $584 | $1,284 | $220 |
| Pittsburg, IL | $500 | $521 | $1,021 | $378 | $878 | $142 |
| Eastern, IL | $1,000 | $673 | $1,673 | $489 | $1,489 | $184 |
| Colp, IL | $200 | $451 | $651 | $327 | $527 | $123 |
| White County, IL | $400 | $825 | $1,225 | $600 | $1,000 | $226 |
| Carbondale, IL | $100 | $666 | $766 | $484 | $584 | $182 |
| Webber, IL | $2,500 | $600 | $3,100 | $436 | $2,936 | $164 |
| Mill Creek, IL | $400 | $844 | $1,244 | $613 | $1,013 | $231 |
| Pinckneyville, IL | $2,000 | $818 | $2,818 | $595 | $2,595 | $224 |
| Home Insurance Company Harrisburg, IL | Homeowners Insurance Agency Harrisburg, IL | Address | Popularity Score | Distance from Harrisburg (miles) |
|---|---|---|---|---|
| Travelers | Polar Investment & Insurance Services Inc | 300 E Main St Ste 1, Carbondale, IL, 62901 | 36.8 | |
| State Farm | Lynn Braden | 301 S Jackson St, Mc Leansboro, IL, 62859-1431 | 24.8 | |
| Farmers | Larry Uselton | 289 N Lincoln Blvd W, Shawneetown, IL, 62984 | 19.4 | |
| State Farm | Al Lemke | 2501 Broadway St, Mount Vernon, IL, 62864-2918 | 45.3 | |
| Erie | Bob White Insurance Agency Llc | Po Box 832, Mount Vernon, IL, 62864 | 45.0 | |
| State Farm | Shane Gooden | 120 S Commercial St, Harrisburg, IL, 62946-1902 | 0.6 | |
| State Farm | Rick Brockett | 312 E Poplar St, Harrisburg, IL, 62946-1529 | 0.5 | |
| Farmers | Scott Bates | 4203 Ilberry Rd Ste 3, Mount Vernon, IL, 62864 | 45.2 | |
| State Farm | Bill Hedges | 706 N Main Street, Benton, IL, 62812-1016 | 28.0 | |
| State Farm | Brad Donna | 102 W Broad St, Jonesboro, IL, 62952-1416 | 44.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $600 | $1,170 | $570 |
| Saline County, IL | $70,500 | $814 | $550 | $1,160 | $610 |
| Harrisburg, IL | $70,100 | $814 | $550 | $1,160 | $610 |
| Pittsburg, IL | $67,700 | $527 | $360 | $750 | $390 |
| Eastern, IL | $109,800 | $681 | $470 | $940 | $470 |
| Colp, IL | $52,000 | $456 | $310 | $630 | $320 |
| White County, IL | $69,700 | $835 | $580 | $1,160 | $580 |
| Carbondale, IL | $124,700 | $674 | $490 | $960 | $470 |
| Webber, IL | $87,700 | $607 | $410 | $840 | $430 |
| Mill Creek, IL | $182,100 | $854 | $590 | $1,200 | $610 |
| Pinckneyville, IL | $77,400 | $828 | $570 | $1,130 | $560 |