Gavop shows you how to buy homeowners insurance in Harter, IL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Harter, 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 | |
| Co Rd 300 N, Oak Mound Ln, Wisteria Dr, Illinois St SW, S 11th St SW, S 2nd St, Co Rd 400 N, Industrial Park, Hwy 50, Colborn Camp Ln | $119,000 | $100,000 | $75,000-$100,000 | $62,500 | $50,000 | $50,000-$75,000 |
| Adams Dr, Co Rd 50 E, Sunflower Dr, 2nd St, E North Ave, Church St, S 1st St SE, Honey Locust Ln, Boaz St, Hurricane Creek Rd | $73,000 | $60,000 | $75,000-$100,000 | $65,500 | $50,000 | $50,000-$75,000 |
| East St, Co Rd 13, Guinea Dr, Co Rd 1750 E, Airport Ln, Co Rd 11, 3rd St, Hagen Dr, Co Rd 175 N, Meadowlark Dr | $86,000 | $80,000 | $50,000-$75,000 | $51,500 | $40,000 | $25,000-$50,000 |
| Bobolink Dr, 3rd St, Co Rd 1150 E, Maple Rd, Linden Dr, Co Rd 936 E, S N Church St, N Washington St, Country View Dr, Oak Mound Ln | $67,500 | $60,000 | $50,000-$75,000 | $54,000 | $40,000 | $50,000-$75,000 |
| Co Rd 150N Campground, Soapberry Rd, Beard Rd, Church St, Co Rd 1800 E, Emory St, Indian Ridge Rd, Fossil Ln, West St, Vandalia St | $109,000 | $90,000 | $75,000-$100,000 | $81,000 | $70,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$156 | $665 |
| Superior Protection Discount | -$82 | $739 |
| Fire & Security Discount | -$82 | $739 |
| Hail Resistant Roof Discount | -$16 | $805 |
| Newly Constructed Home Discount | -$205 | $616 |
| 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 |
| Clay County | $2,000 | $818 | $2,818 | $595 | $2,595 | $224 |
| Harter, IL | $700 | $811 | $1,511 | $590 | $1,290 | $222 |
| Fairfield, IL | $300 | $804 | $1,104 | $584 | $884 | $220 |
| Tonti, IL | $1,500 | $660 | $2,160 | $480 | $1,980 | $180 |
| Golden Gate, IL | $500 | $429 | $929 | $312 | $812 | $117 |
| Newton, IL | $1,000 | $539 | $1,539 | $392 | $1,392 | $147 |
| Carrigan, IL | $500 | $626 | $1,126 | $455 | $955 | $171 |
| Crouch, IL | $1,000 | $723 | $1,723 | $526 | $1,526 | $198 |
| Pendleton, IL | $200 | $575 | $775 | $418 | $618 | $157 |
| Banner, IL | $2,000 | $726 | $2,726 | $528 | $2,528 | $198 |
| South Fillmore, IL | $500 | $759 | $1,259 | $551 | $1,051 | $207 |
| Richland, IL | $1,500 | $605 | $2,105 | $439 | $1,939 | $165 |
| Home Insurance Company Harter, IL | Homeowners Insurance Agency Harter, IL | Address | Popularity Score | Distance from Harter (miles) |
|---|---|---|---|---|
| State Farm | Tj Tingley | 1205 W Main St, Robinson, IL, 62454-1238 | 48.1 | |
| Allstate | Willms And Yakel Insurance | 411 W Gallatin St, Vandalia, IL, 62471 | 36.1 | |
| Erie | Thacker Insurance Service | 315 W College Avenue, Greenville, IL, 62246 | 49.8 | |
| State Farm | Jack Graham | 426 W Broadway, Centralia, IL, 62801-3112 | 34.3 | |
| Liberty Mutual Independent | Blanks Insurance Agency Llc | 515 S Whittle Avenue, Olney, IL, 62450 | 24.6 | |
| State Farm | Doug Aman | 1101 W Delaware St, Fairfield, IL, 62837-2315 | 22.1 | |
| State Farm | Angie Borrelli | 171 N Sycamore St, Flora, IL, 62839-2033 | 2.8 | |
| Farmers | Joyce Odonnell | 303 N Main St, Flora, IL, 62839 | 2.6 | |
| Travelers | Isaak Insurance Agency Inc | 951 Fairfax, Carlyle, IL, 62231 | 45.3 | |
| State Farm | Kert Martin | 120 S Delmar Ave Ste B, Salem, IL, 62881-2000 | 23.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $600 | $1,210 | $610 |
| Clay County, IL | $77,200 | $828 | $600 | $1,130 | $530 |
| Harter, IL | $79,300 | $821 | $550 | $1,170 | $620 |
| Fairfield, IL | $62,100 | $814 | $590 | $1,120 | $530 |
| Tonti, IL | $105,700 | $668 | $480 | $920 | $440 |
| Golden Gate, IL | $47,500 | $434 | $300 | $620 | $320 |
| Newton, IL | $72,100 | $546 | $390 | $760 | $370 |
| Carrigan, IL | $95,400 | $634 | $460 | $870 | $410 |
| Crouch, IL | $127,400 | $732 | $520 | $1,000 | $480 |
| Pendleton, IL | $81,100 | $582 | $420 | $820 | $400 |
| Banner, IL | $128,400 | $735 | $510 | $1,040 | $530 |
| South Fillmore, IL | $141,100 | $768 | $510 | $1,080 | $570 |
| Richland, IL | $89,100 | $612 | $440 | $840 | $400 |