Gavop's guide to buying homeowners insurance in Fairfield, 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.
| Fairfield, IL - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| SE 7th St, NE 3rd St, SW 4th St, E Robinson Ave, W Summit St, E Delaware St, Malone St, Brook St, SE 2nd St, Clarence Ave | $68,000 | $60,000 | $75,000-$100,000 | $144,500 | $130,000 | $100,000-$125,000 |
| State Rte 15, W Parkhurst St, W Shreve Ave, Co Rd 1000N, 1725E, Co Rd 000E, Lappin Ave, Miller Ave, Ash St, North St | $90,000 | $80,000 | $75,000-$100,000 | $147,000 | $140,000 | $125,000-$150,000 |
| Dorris Dr, W Water St, E Mill St, Co Rd 450N, Esther Ln, Kincaid Dr, W Smith St, Shreve Ave, E Main St, SW 7th St | $86,500 | $70,000 | $50,000-$75,000 | $95,500 | $90,000 | $75,000-$100,000 |
| Oakwood Dr, Co Rd 2050E, Co Rd 1390 E, Ligo Ln, Bryan St, W Court St, Richardson St, 4th Street Pl, SW 2nd St, W College St | $50,000 | $50,000 | $25,000-$50,000 | $92,500 | $80,000 | $100,000-$125,000 |
| Co Hwy 9, Co Rd 1500E, Prairie St, Park Ave, NW 10th St, Co Hwy 11, W King St, E Washington St, Co Rd 1850E, Hawkins Dr | $74,500 | $70,000 | $50,000-$75,000 | $142,500 | $120,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$155 | $659 |
| Superior Protection Discount | -$81 | $733 |
| Fire & Security Discount | -$73 | $741 |
| Hail Resistant Roof Discount | -$16 | $798 |
| Newly Constructed Home Discount | -$163 | $651 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,337 |
| Physical Damage | $2,295 |
| Hail Damage | $4,806 |
| Wind Damage | $6,687 |
| Expensive Claims | |
| Fire | $44,229 |
| Smoke | $15,884 |
| Home Insurance Company Fairfield, IL | Homeowners Insurance Agency Fairfield, IL | Address | Popularity Score | Distance from Fairfield (miles) |
|---|---|---|---|---|
| Travelers | Kane Insurance Agency Inc | 1443 W Whitacker, Salem, IL, 62881 | 36.3 | |
| State Farm | Doug Raber | 15 N 5th St, Albion, IL, 62806-1021 | 17.0 | |
| Travelers | Ramey Insurance Agency | 110 N Logan, West Frankfort, IL, 62896 | 45.1 | |
| State Farm | Paul Lawrence | 305 E Broadway Blvd, Johnston City, IL, 62951-1606 | 49.2 | |
| State Farm | Doug Aman | 1101 W Delaware St, Fairfield, IL, 62837-2315 | 0.2 | |
| State Farm | Carrie Rice | 521 W Main St, Fairfield, IL, 62837-1624 | 0.3 | |
| State Farm | Angie Borrelli | 171 N Sycamore St, Flora, IL, 62839-2033 | 21.0 | |
| State Farm | Shane Gooden | 120 S Commercial St, Harrisburg, IL, 62946-1902 | 45.2 | |
| State Farm | Dan Schonert | 510 N Market St, Mount Carmel, IL, 62863-1558 | 33.2 | |
| Farmers | William Gray | 363 E State St, Bridgeport, IL, 62417 | 40.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $610 | $1,200 | $590 |
| Wayne County, IL | $78,600 | $814 | $550 | $1,120 | $570 |
| Fairfield, IL | $62,100 | $814 | $590 | $1,120 | $530 |
| Cisne, IL | $54,800 | $469 | $320 | $660 | $340 |
| Zif, IL | $133,300 | $748 | $500 | $1,050 | $550 |
| White County, IL | $69,700 | $835 | $610 | $1,150 | $540 |
| Griffin, IN | $36,300 | $461 | $340 | $640 | $300 |
| Indian Creek, IL | $68,800 | $532 | $360 | $760 | $400 |
| Alma, IL | $75,400 | $559 | $400 | $800 | $400 |
| New Haven, IL | $76,300 | $563 | $400 | $790 | $390 |
| Watson, IL | $114,400 | $695 | $470 | $950 | $480 |
| Freeman Spur, IL | $73,800 | $553 | $400 | $780 | $380 |