Gavop shows you how to buy homeowners insurance in Effingham 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $43,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $64,500 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $144,500 | $120,000 | $150,000-$175,000 |
| 4 Bedroom | $132,500 | $130,000 | $125,000-$150,000 |
| 5 Bedroom | $312,500 | $300,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$140 | $596 |
| Superior Protection Discount | -$74 | $662 |
| Fire & Security Discount | -$66 | $669 |
| Hail Resistant Roof Discount | -$15 | $721 |
| Newly Constructed Home Discount | -$147 | $588 |
| 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 |
| Effingham County | $1,000 | $726 | $1,726 | $528 | $1,528 | $199 |
| Effingham County, IL | $1,500 | $726 | $2,226 | $528 | $2,028 | $199 |
| St. Francis, IL | $400 | $800 | $1,200 | $582 | $982 | $219 |
| Wheeler, IL | $1,500 | $379 | $1,879 | $276 | $1,776 | $104 |
| Grove, IL | $300 | $821 | $1,121 | $597 | $897 | $224 |
| Lone Grove, IL | $700 | $521 | $1,221 | $378 | $1,078 | $142 |
| Findlay, IL | $200 | $535 | $735 | $388 | $588 | $146 |
| Stoy, IL | $2,500 | $517 | $3,017 | $376 | $2,876 | $141 |
| Smithboro, IL | $100 | $477 | $577 | $347 | $447 | $130 |
| Jonathan Creek, IL | $1,500 | $875 | $2,375 | $636 | $2,136 | $239 |
| Honey Creek, IL | $100 | $715 | $815 | $520 | $620 | $195 |
| Hutsonville, IL | $1,500 | $543 | $2,043 | $395 | $1,895 | $149 |
| Home Insurance Company Effingham County, IL | Homeowners Insurance Agency Effingham County, IL | Address | Popularity Score | Distance from Effingham County (miles) |
|---|---|---|---|---|
| Erie | Farley Insurance Agency Inc | 124 W Washington Street, Newton, IL, 62448 | 23.5 | |
| Allstate | Willms And Yakel Insurance | 411 W Gallatin St, Vandalia, IL, 62471 | 27.7 | |
| Erie | Weis Insurance Agency Llc | 2101 S Banker Street, Effingham, IL, 62401 | 4.5 | |
| Allstate | Jdc Insurance Group | 8 Eastwood Ln, Centralia, IL, 62801 | 48.2 | |
| State Farm | Sherri Branson | 612 Charleston Ave, Mattoon, IL, 61938-4305 | 32.4 | |
| Liberty Mutual Independent | Blanks Insurance Agency Llc | 515 S Whittle Avenue, Olney, IL, 62450 | 35.2 | |
| Allstate | First Neighbor Bank | 323 E 6th St, Neoga, IL, 62447 | 20.2 | |
| State Farm | Dan Lutz | 9 N Main St, Altamont, IL, 62411-1446 | 8.4 | |
| State Farm | Tom Henderson | 122 E Section Ave, Effingham, IL, 62401-3619 | 5.7 | |
| State Farm | Leon Gobczynski | 312 W Wabash Avenue, Effingham, IL, 62401-2668 | 5.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $610 | $1,160 | $550 |
| Effingham County, IL | $137,300 | $735 | $530 | $1,040 | $510 |
| Effingham County, IL | $137,300 | $735 | $530 | $1,020 | $490 |
| St. Francis, IL | $159,500 | $810 | $550 | $1,110 | $560 |
| Wheeler, IL | $37,800 | $384 | $270 | $530 | $260 |
| Grove, IL | $169,700 | $831 | $560 | $1,170 | $610 |
| Lone Grove, IL | $67,600 | $527 | $360 | $720 | $360 |
| Findlay, IL | $71,000 | $541 | $380 | $760 | $380 |
| Stoy, IL | $66,800 | $523 | $350 | $750 | $400 |
| Smithboro, IL | $57,700 | $483 | $350 | $660 | $310 |
| Jonathan Creek, IL | $200,300 | $886 | $610 | $1,250 | $640 |
| Honey Creek, IL | $124,500 | $724 | $490 | $1,010 | $520 |
| Hutsonville, IL | $73,200 | $550 | $400 | $750 | $350 |