Gavop shows you how to buy homeowners insurance in McHenry 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.
| McHenry County, IL - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Weathervane Ln, W Orleans St, W Rand Rd, Ryan St, Price Rd, Melvina Ct, Castlebar Rd, W Dayton St, Essex Ln, Ranch Dr | $215,500 | $200,000 | $175,000-$200,000 | $472,500 | $430,000 | $400,000-$500,000 |
| Chappel St, Wyndwood Dr, Harnish Dr, Sienna Dr, Hemlock Dr, Wooded Knoll Dr, Medinah Ct, Crystal Way, State Rte 23, York Rd | $314,000 | $290,000 | $250,000-$300,000 | $239,000 | $190,000 | $250,000-$300,000 |
| Melbourne Ln, W Fernview Ln, S Ronda Rd, Big Horn Dr, Aldridge Dr, Superior Ave, Fir Dr, Spring Ln, Andrea Ct, Keith Dr | $161,000 | $140,000 | $150,000-$175,000 | $231,000 | $220,000 | $200,000-$250,000 |
| Beardsley St, Oakview Ter, Blue Heron Dr, Melrose Ln, East Dr, Twelve Lakes Ct, Lancaster St, Sheldon Rd, W South St, W Finch Trl | $333,000 | $310,000 | $300,000-$350,000 | $446,000 | $390,000 | $400,000-$500,000 |
| Old Post Rd, Charlotte Pl, N Cold Springs Rd, Crabtree Ln, Shorewood Dr, Riviera Ct, Cascade Dr, Burning Bush Trl, Eagle Ridge Ln, Mary Ln | $207,000 | $170,000 | $200,000-$250,000 | $430,500 | $390,000 | $500,000-$600,000 |
| W Schneider Ln, S 2nd Ave, Royal Woods Dr, Saratoga Cir, McCullom St, Beck Rd, Sawmill Ln, Crestwood Ct, E Kuhn Rd, W Jones Ave | $243,000 | $200,000 | $200,000-$250,000 | $265,000 | $250,000 | $200,000-$250,000 |
| Alicia Dr, Merrimac St, Zange Dr, Industrial Dr, Wood Ln, Somerset Ct, Ringwood Rd, Black Diamond Ct, Denton Ct, Walnut Glen Dr | $207,000 | $190,000 | $200,000-$250,000 | $352,000 | $300,000 | $300,000-$350,000 |
| Stillwater Rd, Sheridan Rd, River Dr, Regal Dr, Green St, Golden Gate Ave, Trappers Ct, Wayne St, Parkview Dr, Sheridan Pl | $174,500 | $150,000 | $150,000-$175,000 | $174,500 | $160,000 | $150,000-$175,000 |
| Spella Dr, Fairfield Ln, Reiland Dr, Delks Dr, Cross Dr, Barrington Ct, Joseph St, Casselbury S, Bay View Dr, W Longwood Dr | $285,500 | $270,000 | $200,000-$250,000 | $222,500 | $210,000 | $200,000-$250,000 |
| Dartmoor Dr, Ember Ln, W Crystal Lake Ave, Pine Rd, Linda Dr, Annandale Ct, Turkey Run Rd, W Thompson St, Evergreen Ct, Saddlebred Trl | $197,500 | $170,000 | $175,000-$200,000 | $293,000 | $260,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$148 | $722 |
| Superior Protection Discount | -$78 | $791 |
| Fire & Security Discount | -$70 | $800 |
| Hail Resistant Roof Discount | -$17 | $852 |
| Newly Constructed Home Discount | -$226 | $644 |
| 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 |
| McHenry County | $2,000 | $859 | $2,859 | $624 | $2,624 | $235 |
| McHenry County, IL | $2,000 | $859 | $2,859 | $624 | $2,624 | $235 |
| Salem, WI | $500 | $637 | $1,137 | $463 | $963 | $174 |
| Gages Lake, IL | $1,500 | $760 | $2,260 | $552 | $2,052 | $208 |
| Walworth County, WI | $100 | $690 | $790 | $501 | $601 | $189 |
| Lake Forest, IL | $2,500 | $729 | $3,229 | $530 | $3,030 | $199 |
| Potter Lake, WI | $300 | $733 | $1,033 | $533 | $833 | $200 |
| Elmhurst, IL | $1,500 | $1,184 | $2,684 | $861 | $2,361 | $324 |
| Winnebago, IL | $200 | $665 | $865 | $483 | $683 | $182 |
| La Grange Park, IL | $2,000 | $782 | $2,782 | $568 | $2,568 | $214 |
| Fort Atkinson, WI | $500 | $596 | $1,096 | $433 | $933 | $163 |
| Hales Corners, WI | $2,000 | $694 | $2,694 | $504 | $2,504 | $190 |
| Home Insurance Company McHenry County, IL | Homeowners Insurance Agency McHenry County, IL | Address | Popularity Score | Distance from McHenry County (miles) |
|---|---|---|---|---|
| Farmers | Andrew Flanagan | 6146 N Milwaukee Ave, Chicago, IL, 60646 | 41.2 | |
| Travelers | Forest Agency Inc | 7310 Madison St, Forest Park, IL, 60130 | 45.2 | |
| Travelers | T A Cummings Jr Co Inc | 4153 Main St, Skokie, IL, 60076 | 42.1 | |
| State Farm | Kevin Greco | 2722 N Lincoln Ave, Chicago, IL, 60614-1321 | 49.1 | |
| Erie | Reliant Agency | 1600 Golf Road Suite 1200, Rolling Meadows, IL, 60008 | 29.8 | |
| State Farm | Jim Dugan | 237 W Main St, Barrington, IL, 60010-4205 | 19.8 | |
| Travelers | Peak Financial Group Llc | 7330 W Lawrence, Harwood Heights, IL, 60706 | 41.2 | |
| State Farm | Gerald Mccadd | 516 W Boughton Rd, Bolingbrook, IL, 60440-1751 | 46.5 | |
| Travelers | Riehn Insurance | 4541 N Lincoln Ave, Chicago, IL, 60625 | 46.6 | |
| State Farm | Bill Colbert | 339 Front St, Mchenry, IL, 60050-5504 | 9.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $570 | $1,170 | $600 |
| McHenry County, IL | $212,600 | $870 | $620 | $1,240 | $620 |
| McHenry County, IL | $212,600 | $870 | $620 | $1,240 | $620 |
| Salem, WI | $174,000 | $644 | $430 | $910 | $480 |
| Gages Lake, IL | $219,000 | $769 | $530 | $1,070 | $540 |
| Walworth County, WI | $192,500 | $698 | $480 | $960 | $480 |
| Lake Forest, IL | $855,500 | $738 | $530 | $1,010 | $480 |
| Potter Lake, WI | $209,900 | $742 | $530 | $1,030 | $500 |
| Elmhurst, IL | $394,500 | $1,199 | $860 | $1,700 | $840 |
| Winnebago, IL | $155,400 | $673 | $480 | $960 | $480 |
| La Grange Park, IL | $333,700 | $791 | $540 | $1,120 | $580 |
| Fort Atkinson, WI | $149,500 | $604 | $400 | $860 | $460 |
| Hales Corners, WI | $221,100 | $702 | $480 | $960 | $480 |