Gavop's guide to buying homeowners insurance in Sparta, 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 | $41,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $122,000 | $100,000 | $125,000-$150,000 |
| 3 Bedroom | $120,000 | $110,000 | $125,000-$150,000 |
| 4 Bedroom | $225,500 | $200,000 | $200,000-$250,000 |
| 5 Bedroom | $259,000 | $240,000 | $200,000-$250,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$74 | $747 |
| Home and Two Car | -$131 | $690 |
| Home and Three Car | -$189 | $632 |
| 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 |
| Randolph County | $2,500 | $622 | $3,122 | $452 | $2,952 | $170 |
| Sparta, IL | $1,500 | $811 | $2,311 | $590 | $2,090 | $222 |
| Vergennes, IL | $500 | $589 | $1,089 | $428 | $928 | $161 |
| Du Quoin No. 12, IL | $1,000 | $739 | $1,739 | $537 | $1,537 | $202 |
| Beauvais, MO | $500 | $1,035 | $1,535 | $752 | $1,252 | $283 |
| Fults, IL | $1,000 | $596 | $1,596 | $433 | $1,433 | $163 |
| Longtown, MO | $400 | $931 | $1,331 | $676 | $1,076 | $254 |
| Carlyle, IL | $2,500 | $732 | $3,232 | $532 | $3,032 | $200 |
| Walnut Hill, IL | $200 | $444 | $644 | $322 | $522 | $121 |
| East Carondelet, IL | $2,500 | $425 | $2,925 | $309 | $2,809 | $116 |
| Johnston City, IL | $100 | $485 | $585 | $353 | $453 | $133 |
| St. Francois County, MO | $700 | $930 | $1,630 | $675 | $1,375 | $254 |
| Home Insurance Company Sparta, IL | Homeowners Insurance Agency Sparta, IL | Address | Popularity Score | Distance from Sparta (miles) |
|---|---|---|---|---|
| Travelers | Bridgeman Insurance Agency | 20 E Main St Suite A, Belleville, IL, 62220 | 32.4 | |
| Allstate | Trinas Neely | 525 Lincoln Hwy Ste 24, Fairview Heights, IL, 62208 | 37.1 | |
| Allstate | Jdc Insurance Group | 8 Eastwood Ln, Centralia, IL, 62801 | 39.5 | |
| Erie | Arrow Insurance Specialists Inc. | 216 E Main Street, Collinsville, IL, 62234 | 42.1 | |
| Travelers | Petri Insurance | 119 W Mill St, Waterloo, IL, 62298 | 30.2 | |
| State Farm | Tom Chouinard | 2906 Maryville Rd, Maryville, IL, 62062-5426 | 44.4 | |
| Farmers | Brian Winters | 1011 Chestnut St, Murphysboro, IL, 62966 | 30.4 | |
| State Farm | Chad Langrehr | 1514 S Main St Ste 2, Red Bud, IL, 62278-1382 | 18.4 | |
| State Farm | Bruce Doyle | 100 Veterans Pkwy, Columbia, IL, 62236-2508 | 37.5 | |
| State Farm | Ted Mitchell | 101 Southpointe Dr Ste A, Edwardsville, IL, 62025-3718 | 49.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $580 | $1,210 | $630 |
| Randolph County, IL | $99,900 | $630 | $450 | $860 | $410 |
| Sparta, IL | $88,000 | $821 | $590 | $1,130 | $540 |
| Vergennes, IL | $85,000 | $596 | $430 | $820 | $390 |
| Du Quoin No. 12, IL | $133,300 | $748 | $520 | $1,070 | $550 |
| Beauvais, MO | $132,200 | $1,048 | $710 | $1,480 | $770 |
| Fults, IL | $86,700 | $603 | $440 | $860 | $420 |
| Longtown, MO | $99,000 | $942 | $650 | $1,310 | $660 |
| Carlyle, IL | $130,500 | $741 | $530 | $1,020 | $490 |
| Walnut Hill, IL | $50,600 | $449 | $320 | $620 | $300 |
| East Carondelet, IL | $46,700 | $430 | $310 | $590 | $280 |
| Johnston City, IL | $59,600 | $491 | $360 | $680 | $320 |
| St. Francois County, MO | $110,200 | $941 | $680 | $1,300 | $620 |