How Can I Make My Decatur, IL Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Decatur, IL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Decatur, IL Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $30,000 | $20,000 | $25,000-$50,000 |
| 2 Bedroom | $83,500 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $86,000 | $80,000 | $75,000-$100,000 |
| 4 Bedroom | $183,000 | $150,000 | $175,000-$200,000 |
| 5 Bedroom | $146,000 | $130,000 | $150,000-$175,000 |
Estimate your Savings with Home Insurance Discounts in Decatur, IL | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$170 | $776 |
| Superior Protection Discount | -$95 | $852 |
| Fire & Security Discount | -$76 | $871 |
| Hail Resistant Roof Discount | -$28 | $918 |
| Newly Constructed Home Discount | -$199 | $748 |
Choose the Right Deductible for your Decatur, IL Home | Back to Top
| 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 |
| Macon County | $1,500 | $610 | $2,110 | $443 | $1,943 | $167 |
| Decatur, IL | $700 | $935 | $1,635 | $680 | $1,380 | $256 |
| Lovington, IL | $500 | $578 | $1,078 | $420 | $920 | $158 |
| Ivesdale, IL | $700 | $604 | $1,304 | $439 | $1,139 | $165 |
| Champaign, IL | $300 | $771 | $1,071 | $560 | $860 | $211 |
| Ricks, IL | $2,500 | $575 | $3,075 | $418 | $2,918 | $157 |
| Chatham, IL | $100 | $714 | $814 | $519 | $619 | $195 |
| Bowdre, IL | $700 | $588 | $1,288 | $427 | $1,127 | $161 |
| Boynton, IL | $400 | $757 | $1,157 | $550 | $950 | $207 |
| Coalton, IL | $1,500 | $522 | $2,022 | $379 | $1,879 | $143 |
| Brown, IL | $300 | $734 | $1,034 | $533 | $833 | $201 |
| Cooksville, IL | $2,000 | $618 | $2,618 | $449 | $2,449 | $169 |
Identify Top Home Insurance Agents near Decatur, IL | Back to Top
| Home Insurance Company Decatur, IL | Homeowners Insurance Agency Decatur, IL | Address | Popularity Score | Distance from Decatur (miles) |
|---|---|---|---|---|
| State Farm | Axel Jimenez | 1520 E College Ave Ste E, Normal, IL, 61761-6155 | 45.2 | |
| State Farm | Darwyn Boston | 101 S Lincoln Street, Mahomet, IL, 61853-6002 | 36.6 | |
| State Farm | Ali Doolin | 1101 Clement Ave, Forsyth, IL, 62535-9626 | 4.5 | |
| State Farm | Mike Sprague | 2313 E Oakland Ave, Bloomington, IL, 61701-5840 | 42.6 | |
| State Farm | Diane Sullivan | 2950 N Water St Ste 305, Decatur, IL, 62526-6521 | 1.8 | |
| Nationwide | Azm Group Inc | 1319 N Veterans Pkwy Ste 2b, Bloomington, IL, 61704-6428 | 44.2 | |
| Travelers | Plr Insurance | 1242 E Empire St, Bloomington, IL, 61701 | 43.7 | |
| State Farm | Mike Mandrell | 1212 E Pershing Road, Decatur, IL, 62526-4729 | 1.5 | |
| State Farm | Carole Brooker | 2605 N Main St, Decatur, IL, 62526-3229 | 1.6 | |
| Allstate | Michael Rudicil | 909 N Cunningham Ave Ste 7, Urbana, IL, 61802 | 42.9 |
Compare Rates for Decatur, IL Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $580 | $1,220 | $640 |
| Macon County, IL | $95,900 | $617 | $450 | $870 | $420 |
| Decatur, IL | $80,600 | $947 | $690 | $1,340 | $650 |
| Lovington, IL | $82,100 | $585 | $420 | $800 | $380 |
| Ivesdale, IL | $88,900 | $611 | $410 | $840 | $430 |
| Champaign, IL | $156,700 | $780 | $550 | $1,070 | $520 |
| Ricks, IL | $81,100 | $582 | $420 | $820 | $400 |
| Chatham, IL | $185,100 | $722 | $490 | $1,030 | $540 |
| Bowdre, IL | $84,700 | $595 | $410 | $840 | $430 |
| Boynton, IL | $140,600 | $766 | $550 | $1,050 | $500 |
| Coalton, IL | $68,000 | $528 | $380 | $740 | $360 |
| Brown, IL | $131,400 | $743 | $540 | $1,050 | $510 |
| Cooksville, IL | $92,800 | $625 | $420 | $890 | $470 |
Research Home Insurance Companies Reviews in Decatur, IL Before Buying | Back to Top
Share a review on your home insurance company
Progressive Home Insurance Reviews
Date: December 28, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Customer Service
I rate Progressive's customer service at a total 5. That have always been helpful, knowledgeable, and friendly when we have had to contact them.
Date: July 16, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
I WAS REALLY EXCITED ABOUT MY HOME INSURANCE COMPANY'S CUSTOMER SERVICES, THEY ALWAYS ACTIVELY RESPOND AND CLEAR THE DOUBTS OF THE CUSTOMER.
Date: October 31, 2018 Age: Above 60 Gender: Female Marital Status: Unmarried
Website/App
The website made it easy to file a claim, and updated me on the stages of processing my claim. It was easy and the website functioned well.
Allstate Home Insurance Reviews
Date: November 03, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
Allstate premium seemed to be in the middle of the other insurance companies when I was researching.
Nationwide Home Insurance Reviews
Date: November 27, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
I would rate it as 3 out of 5. When it comes to premiums and deductibles the pricing I have is very similar to other companies I asked for quotes from.
Erie Insurance Home Insurance Reviews
Date: February 09, 2019 Age: Above 60 Gender: Male Marital Status: Unmarried
Premium
My premiums and deductibles seem fair with my current insurer compared to my previous insurer. Premiums have been slowly rising in recent years but I think that is an industry trend.
Safeco Insurance Home Insurance Reviews
Date: May 27, 2019 Age: 50 to 59 Gender: Married Marital Status: Male
Premium
We have shopped around repeatedly looking for cheaper insurance companies, but we always find it cheaper to stick with our current deductible and policy.
GEICO Home Insurance Reviews
Date: August 12, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Customer Service
Geico as quick and painless to set up. Answer all the questions and you now have a policy in place. Just need to pay the premium.
Farmer's Insurance Home Insurance Reviews
Date: September 06, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
I have not filed any claims with my insurance but all billing and website related customer service has gone well.