Gavop's guide to buying homeowners insurance in McLean County, 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 | $55,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $183,000 | $160,000 | $175,000-$200,000 |
| 3 Bedroom | $140,500 | $130,000 | $100,000-$125,000 |
| 4 Bedroom | $179,000 | $150,000 | $150,000-$175,000 |
| 5 Bedroom | $393,500 | $370,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$127 | $667 |
| Superior Protection Discount | -$71 | $723 |
| Fire & Security Discount | -$71 | $723 |
| Hail Resistant Roof Discount | -$24 | $771 |
| Newly Constructed Home Discount | -$191 | $604 |
| 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 |
| McLean County | $1,500 | $785 | $2,285 | $570 | $2,070 | $214 |
| McLean County, IL | $2,500 | $785 | $3,285 | $570 | $3,070 | $214 |
| Panola, IL | $500 | $859 | $1,359 | $624 | $1,124 | $235 |
| Little Mackinaw, IL | $700 | $694 | $1,394 | $504 | $1,204 | $190 |
| Nixon, IL | $200 | $517 | $717 | $376 | $576 | $141 |
| Melvin, IL | $2,500 | $511 | $3,011 | $371 | $2,871 | $140 |
| Odell, IL | $300 | $665 | $965 | $483 | $783 | $182 |
| Reading, IL | $1,000 | $619 | $1,619 | $450 | $1,450 | $169 |
| Cincinnati, IL | $100 | $645 | $745 | $469 | $569 | $176 |
| Ivesdale, IL | $2,000 | $604 | $2,604 | $439 | $2,439 | $165 |
| Urbana, IL | $500 | $748 | $1,248 | $544 | $1,044 | $205 |
| Onarga, IL | $2,500 | $618 | $3,118 | $449 | $2,949 | $169 |
| Home Insurance Company McLean County, IL | Homeowners Insurance Agency McLean County, IL | Address | Popularity Score | Distance from McLean County (miles) |
|---|---|---|---|---|
| State Farm | Jodi Brown | 3332 W Willow Knolls Dr Ste A, Peoria, IL, 61614-1011 | 46.4 | |
| State Farm | Jackie Padesky | 315 5th St, Lacon, IL, 61540-1209 | 47.1 | |
| State Farm | Darwyn Boston | 101 S Lincoln Street, Mahomet, IL, 61853-6002 | 31.1 | |
| State Farm | Chad Lucas | 205 Pratt St, Streator, IL, 61364-2797 | 43.2 | |
| State Farm | Jim Spachman | 2501 E College Avenue, Bloomington, IL, 61704-2484 | 5.2 | |
| Nationwide | Azm Group Inc | 1319 N Veterans Pkwy Ste 2b, Bloomington, IL, 61704-6428 | 5.7 | |
| Farmers | Loren Zimmerman | 2600 N Knoxville Ave, Peoria, IL, 61604 | 42.3 | |
| State Farm | Jerry Danko | 700a S Union St, Dwight, IL, 60420-1543 | 46.5 | |
| State Farm | Mike Wieland | 2102 E Washington St, Bloomington, IL, 61701-4321 | 6.1 | |
| Erie | Streator Insurance Center | 511 E Main Street, Streator, IL, 61364 | 43.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $570 | $1,210 | $640 |
| McLean County, IL | $163,800 | $794 | $560 | $1,140 | $580 |
| McLean County, IL | $163,800 | $794 | $530 | $1,120 | $590 |
| Panola, IL | $190,400 | $869 | $620 | $1,210 | $590 |
| Little Mackinaw, IL | $116,800 | $702 | $510 | $1,000 | $490 |
| Nixon, IL | $66,700 | $523 | $360 | $740 | $380 |
| Melvin, IL | $65,300 | $517 | $380 | $710 | $330 |
| Odell, IL | $107,300 | $673 | $460 | $960 | $500 |
| Reading, IL | $93,300 | $627 | $430 | $880 | $450 |
| Cincinnati, IL | $145,200 | $653 | $440 | $930 | $490 |
| Ivesdale, IL | $88,900 | $611 | $440 | $860 | $420 |
| Urbana, IL | $146,700 | $758 | $550 | $1,050 | $500 |
| Onarga, IL | $92,700 | $625 | $450 | $890 | $440 |