Gavop's guide to buying homeowners insurance in Jersey, 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.
| Jersey, 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 | |
| Meadow Ct, Co Rd 900 N, Hawbrook Pl, 1400 N, Maple Ave, Edgewood Ave, Northmoor Dr, E Kane Rd, Poplar St, E Prairie St | $150,000 | $130,000 | $125,000-$150,000 | $80,000 | $70,000 | $50,000-$75,000 |
| Hickory Meadows Dr, E Woodlawn Ave, S Lafayette St, Co Rd 1700 E, Range Line Rd S, W Exchange St, Shipman Rd, Ryan Rd, Barr Pl, Oak Rest Rd | $126,500 | $120,000 | $125,000-$150,000 | $104,000 | $80,000 | $75,000-$100,000 |
| Stagecoach Rd, Leavett St, Miller Lake Rd, W Pine St, Coleman Rd, Brandon Ln, Hagen Rd, W Prairie St, W County Rd, Forest St | $178,500 | $150,000 | $150,000-$175,000 | $166,500 | $150,000 | $150,000-$175,000 |
| Depot St, Sunderland Rd, Co Rd 1900 N, Ringhausen Pl, Cherry St, Yvette Pl, Westlake Dr, Glenda Ct, Eagle Ct, Rangeline Rd | $136,000 | $110,000 | $125,000-$150,000 | $94,000 | $80,000 | $75,000-$100,000 |
| Co Rd 1560E, E Carpenter St, Glenda Ave, Co Rd 1800 N, N State St, N Giddings Ave, Pearl St, W Mulberry St, Ruyle Rd, Cross County Ct | $169,000 | $140,000 | $175,000-$200,000 | $109,000 | $100,000 | $100,000-$125,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$61 | $616 |
| Home and Two Car | -$108 | $569 |
| Home and Three Car | -$169 | $508 |
| 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 |
| Jersey County | $2,500 | $692 | $3,192 | $503 | $3,003 | $189 |
| Jersey, IL | $2,500 | $669 | $3,169 | $486 | $2,986 | $183 |
| Carrollton, IL | $500 | $604 | $1,104 | $439 | $939 | $165 |
| Bethalto, IL | $1,500 | $681 | $2,181 | $495 | $1,995 | $186 |
| East Gillespie, IL | $400 | $675 | $1,075 | $490 | $890 | $184 |
| Overland, MO | $1,500 | $750 | $2,250 | $545 | $2,045 | $205 |
| Lemay, MO | $400 | $962 | $1,362 | $699 | $1,099 | $263 |
| Montgomery County, IL | $2,000 | $804 | $2,804 | $584 | $2,584 | $220 |
| Hawk Point, MO | $300 | $1,184 | $1,484 | $860 | $1,160 | $323 |
| Irving, IL | $1,500 | $562 | $2,062 | $409 | $1,909 | $154 |
| Coffeen, IL | $300 | $500 | $800 | $363 | $663 | $137 |
| Home Insurance Company Jersey, IL | Homeowners Insurance Agency Jersey, IL | Address | Popularity Score | Distance from Jersey (miles) |
|---|---|---|---|---|
| Travelers | Squier Insurance Agency Inc | 809 W Main St, Hardin, IL, 62047 | 17.2 | |
| Travelers | Macias Insurance Agency | 1101 W Delmar Ave, Godfrey, IL, 62035 | 16.4 | |
| State Farm | Dustin De Franco | 121 Glen Crossing Rd, Glen Carbon, IL, 62034 | 32.5 | |
| State Farm | John Williams | 520 N Main St, Carrollton, IL, 62016-1027 | 12.0 | |
| Travelers | Squier Insurance Agency Inc | 801 W Main St, Hardin, IL, 62047 | 17.0 | |
| Travelers | Macias Insurance Agency | 1101 W Delmar Avenue, Godfrey, IL, 62035 | 16.4 | |
| Liberty Mutual Independent | Heneghan White Cutting & Rice Insurance Agency | 117 S Washington St, Jerseyville, IL, 62052 | 2.4 | |
| State Farm | Chris Kane | 3055 Godfrey Rd, Godfrey, IL, 62035-1808 | 16.0 | |
| State Farm | Scott Neudecker | 1646 Main Street, Alton, IL, 62002-3925 | 18.9 | |
| Liberty Mutual Independent | Heneghan White Cutting & Rice Insurance Agency | 117 S Washington Street, Jerseyville, IL, 62052 | 2.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $590 | $1,160 | $570 |
| Jersey County, IL | $135,400 | $700 | $480 | $990 | $510 |
| Jersey, IL | $125,700 | $677 | $480 | $970 | $490 |
| Carrollton, IL | $88,800 | $611 | $420 | $870 | $450 |
| Bethalto, IL | $130,600 | $689 | $500 | $970 | $470 |
| East Gillespie, IL | $110,200 | $683 | $490 | $970 | $480 |
| Overland, MO | $88,400 | $759 | $550 | $1,070 | $520 |
| Lemay, MO | $120,700 | $973 | $670 | $1,350 | $680 |
| Montgomery County, IL | $81,000 | $814 | $550 | $1,150 | $600 |
| Hawk Point, MO | $192,300 | $1,198 | $870 | $1,650 | $780 |
| Irving, IL | $77,900 | $569 | $420 | $780 | $360 |
| Coffeen, IL | $62,900 | $506 | $340 | $710 | $370 |