How Can I Make My Normal, IL Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Normal, IL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Estimate Appropriate Normal, IL Home Insurance Coverage Levels | Back to Top
| Normal, 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 | |
| Stanhope Way, S Broadway St, Kathleen Dr, Approach Rd, Ambrose Way, Harris Dr, Covey Ct, Balsam Rd, Robinwood Dr, Smith Dr | $175,000 | $140,000 | $125,000-$150,000 | $86,000 | $70,000 | $100,000-$125,000 |
| S Cottage Ave, E Division St, Abercorn St, N 1500 East Rd, Livingston Dr, N 1980 East Rd, E Tamarack Country Club Trl, Parkinson St, Pettit Dr, Kent | $204,500 | $170,000 | $200,000-$250,000 | $202,500 | $180,000 | $200,000-$250,000 |
| Monroe St, Broadway St, N Adelaide St, Field Ct, Citizens Sq, Lunar Dr, E 2400 North Rd, Pearl Ave, Mercury Ln, Valley View Cir | $169,500 | $150,000 | $175,000-$200,000 | $136,500 | $120,000 | $150,000-$175,000 |
| 2175 E, Cardinal Ct, Turquois Way, Meadow Lark Rd, W Cherry St, Budig Dr, Dream Dr, Hazel Ct, Woods Ave, E Division St | $193,000 | $170,000 | $150,000-$175,000 | $130,500 | $120,000 | $125,000-$150,000 |
| Delta Cir, Bird Ct, Beacon Cir, Rich Dr, E Shelbourne Dr, Gemini Dr, E 1700 North Rd, Fredrick Ln, Felmley Dr, S Maple St | $218,000 | $180,000 | $250,000-$300,000 | $128,500 | $100,000 | $100,000-$125,000 |
| Whitetail Ln, James Pl, E Beaufort St, Karin Dr, Timber Creek Ct, Kendall Dr, Northbrook Dr, Big Horn Way, N 750 East Rd, Torrey Pines Rd | $220,000 | $190,000 | $200,000-$250,000 | $113,000 | $90,000 | $100,000-$125,000 |
| Haverhill Country Club Park, E 2050 North Rd, Arbor Ct, Teakwood Rd, Co Rd 3150 N, N Lambert Dr, Jo Ann Ct, Butterfly Dr, Fox Hills Rd, Church St | $230,500 | $210,000 | $200,000-$250,000 | $114,500 | $100,000 | $100,000-$125,000 |
| Co Rd 1900 E, Huntington Rd, Co Rd 2140 E, Buffalo Ln, E 7th St, 1940 E, Sinclair Ct, Spring Ridge Rd, Lake Shore Dr, Bright Dr | $136,500 | $110,000 | $125,000-$150,000 | $143,000 | $120,000 | $125,000-$150,000 |
| Teegan St, Timothy Ct, Cook Dr, Alden Dr, Teepee Trl, W 6th St, Cardinal Ct, Norwood Ct, 1735 E, Reitan Rd | $187,500 | $170,000 | $150,000-$175,000 | $170,500 | $160,000 | $175,000-$200,000 |
| Christy Ct, Hovey Ave, S Adelaide St, Curtis Ct, Putnam Dr, Eastern Dr, Parking Lot Rd, Thistle Ln, Osage St, Ropp Rd | $152,000 | $140,000 | $125,000-$150,000 | $85,500 | $70,000 | $75,000-$100,000 |
Estimate your Savings with Home Insurance Discounts in Normal, IL | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$136 | $662 |
| Superior Protection Discount | -$72 | $726 |
| Fire & Security Discount | -$72 | $726 |
| Hail Resistant Roof Discount | -$16 | $781 |
| Newly Constructed Home Discount | -$231 | $566 |
Choose the Right Deductible for your Normal, IL Home | Back to Top
| 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 | $2,000 | $785 | $2,785 | $570 | $2,570 | $214 |
| Normal, IL | $2,000 | $788 | $2,788 | $572 | $2,572 | $215 |
| Colfax, IL | $200 | $630 | $830 | $458 | $658 | $172 |
| De Witt County, IL | $1,500 | $591 | $2,091 | $429 | $1,929 | $161 |
| Anchor, IL | $300 | $588 | $888 | $427 | $727 | $161 |
| Brown, IL | $2,000 | $734 | $2,734 | $533 | $2,533 | $201 |
| Sangamon, IL | $500 | $898 | $1,398 | $653 | $1,153 | $245 |
| Evans, IL | $1,500 | $666 | $2,166 | $484 | $1,984 | $182 |
| Latham, IL | $200 | $570 | $770 | $414 | $614 | $156 |
| Marshall County, IL | $2,500 | $607 | $3,107 | $441 | $2,941 | $166 |
| Macon County, IL | $200 | $610 | $810 | $443 | $643 | $167 |
| Harristown, IL | $700 | $631 | $1,331 | $459 | $1,159 | $173 |
Identify Top Home Insurance Agents near Normal, IL | Back to Top
| Home Insurance Company Normal, IL | Homeowners Insurance Agency Normal, IL | Address | Popularity Score | Distance from Normal (miles) |
|---|---|---|---|---|
| State Farm | Chris Coyne | 1212 Woodlawn Rd Ste B, Lincoln, IL, 62656-9746 | 32.9 | |
| State Farm | Roger Phegley | 5901 N Knxvl Ave Ste 202, Peoria, IL, 61614-4347 | 36.3 | |
| State Farm | Chad Lucas | 205 Pratt St, Streator, IL, 61364-2797 | 42.0 | |
| State Farm | Mike Sprague | 2313 E Oakland Ave, Bloomington, IL, 61701-5840 | 3.7 | |
| Nationwide | Azm Group Inc | 1319 N Veterans Pkwy Ste 2b, Bloomington, IL, 61704-6428 | 2.5 | |
| State Farm | Duane Schroeder | 506 W Center St, Eureka, IL, 61530-1112 | 20.6 | |
| Travelers | Plr Insurance | 1242 E Empire St, Bloomington, IL, 61701 | 2.5 | |
| Erie | Azm Group Inc. | 1319 N Veterans Parkway Suite 2b, Bloomington, IL, 61704 | 2.5 | |
| State Farm | Jerry Danko | 700a S Union St, Dwight, IL, 60420-1543 | 49.0 | |
| State Farm | Tom Brokaw | 405 N Hershey Rd Ste 5, Bloomington, IL, 61704-7925 | 3.6 |
Compare Rates for Normal, IL Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $620 | $1,220 | $600 |
| McLean County, IL | $163,800 | $794 | $530 | $1,130 | $600 |
| Normal, IL | $165,400 | $797 | $570 | $1,140 | $570 |
| Colfax, IL | $96,600 | $638 | $430 | $880 | $450 |
| De Witt County, IL | $98,000 | $598 | $410 | $820 | $410 |
| Anchor, IL | $84,500 | $595 | $430 | $820 | $390 |
| Brown, IL | $131,400 | $743 | $510 | $1,030 | $520 |
| Sangamon, IL | $214,700 | $909 | $610 | $1,300 | $690 |
| Evans, IL | $107,500 | $674 | $490 | $930 | $440 |
| Latham, IL | $80,000 | $577 | $390 | $820 | $430 |
| Marshall County, IL | $103,300 | $615 | $410 | $850 | $440 |
| Macon County, IL | $95,900 | $617 | $420 | $870 | $450 |
| Harristown, IL | $96,800 | $639 | $430 | $900 | $470 |
Research Home Insurance Companies Reviews in Normal, IL Before Buying | Back to Top
Share a review on your home insurance company
Allstate Home Insurance Reviews
Date: July 01, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
We do have a home/auto discount on our policy, but there again, we have never had another home insurance carrier.
Date: February 12, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
I have been with them for over 10 years and I'm very happy and satisfied with them and have no plans to change my policy with them. Compared with other companies, I prefer this one.
Date: October 25, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Communication
We have had great experiences with customer service. From our agent to claims representatives, people have been informative, efficient and friendly
AAA Home Insurance Reviews
Date: August 20, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
My home insurance experience was easy and good with this company. I bundle the home insurance with my car insurance. I have no issues and I feel like they met my needs. I would recommend AAA.
Country Financial Home Insurance Reviews
Date: November 17, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
I always have good interactions with my insurance company.. When calling I always feel I am being given full attention to the issue I'm calling about by anyone I talk to. All representatives I've dealt with are courteous and kind. Occasionally I have to leave a message but normally receive a call back the same day.
Liberty Mutual Home Insurance Reviews
Date: November 09, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Website/App
To be honest, I don't think the app is necessary, although I am sure others disagree. With mobile phones, sending photographs of damage or documents is simple.
GEICO Home Insurance Reviews
Date: October 18, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
Both my premium and deductible are comparable to the rest of the home insurance industry. I would of course like a smaller premium and deductible but I am content.
State Farm Home Insurance Reviews
Date: September 19, 2019 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Policy Offerings
I investigated other companies like Lemonade, Geico,Esurance, Progressive and some others for renter's insurance. Some offered bundles that were perfect for my needs but didn't get such great online reviews for customer service.