Gavop's guide to buying homeowners insurance in Lake 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.
| Lake County, IL - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| E Vandermeer Dr, David Ln, N Oakcrest Ln, First St, N Rolling Hills Rd, Grand Blvd, Suffolk Ct, Tamarack Ln, Rue Orleanais, S Lake St | $340,500 | $290,000 | $350,000-$400,000 | $249,000 | $220,000 | $200,000-$250,000 |
| Oklahoma Ave, Falcon Dr, Meadowlark Ln, Utah Ct, Lakeside Manor Rd, W Pratum Terra Dr, N Woodland Ave, Cty A6, Red Hawk Dr, Scott Pl | $293,000 | $260,000 | $300,000-$350,000 | $359,500 | $290,000 | $400,000-$500,000 |
| N California Ave, Signal Hill Rd, N Forest Dr, Sun Lake Ct, Victoria Ave, Old Monaville Rd, Lombardy Ct, Wynncrest Dr, Carlisle Ave, Mountain Ave | $253,500 | $230,000 | $250,000-$300,000 | $315,000 | $280,000 | $250,000-$300,000 |
| N Stratton Ln, Sussex Ct, N Horatio Ave, Castleford Ln, Wyoming Ct, Lagoon Ter, Innetowne Rd, N Belle Plaine Ave, W Concord Ct, W Roundstone Way | $273,000 | $230,000 | $250,000-$300,000 | $310,000 | $280,000 | $250,000-$300,000 |
| Norbert Dr, Market Sq, Warwick Ct, N Sumac Ave, W Beachview Dr, Dock Dr, N Patriot Dr, Shagbark Ct, Sawmill Ln, Troy Dr | $204,500 | $170,000 | $200,000-$250,000 | $288,500 | $250,000 | $300,000-$350,000 |
| W Paddock Ave, W Entrance Dr, Midlane Dr, N Geraldine Ln, Appletree Ct, Barret Dr, Devonshire Rd, W Center St, Elm Rd, W Andover Rd | $251,000 | $210,000 | $250,000-$300,000 | $366,500 | $340,000 | $400,000-$500,000 |
| S Hunt Club Rd, Mockingbird Ct, Little Saint Marys Rd, E Cherry Cove Ln, Hillfarm Rd, N Old Pond Ct, W Beach Grove Rd, Stanton Dr, N Horatio Blvd, E Tower Dr | $150,000 | $130,000 | $125,000-$150,000 | $357,500 | $290,000 | $300,000-$350,000 |
| N Forrest Hills Ct, Hilldale Ave, Tyler Ct, E Orchard St, Grant Ct, Russell Pl, River Grove Ln, Talia Ln, Farm Bridge Rd, School St | $185,500 | $160,000 | $150,000-$175,000 | $287,500 | $270,000 | $200,000-$250,000 |
| Stratford Dr, Brampton Ct, Cty W32, Seafarer Dr, N Hawthorn Ln, American Way, Thorndale Ct, N East Gateway Dr, Martingale Ln, Michael Rd | $185,000 | $160,000 | $200,000-$250,000 | $359,000 | $330,000 | $350,000-$400,000 |
| Dixon Ct, Van Buren St, Southport Ct, Eleanor Dr, Barclay Blvd, Green Ave, N Field Rd, Red Haw Ln, Hamilton Ct, Woodlawn Ave | $358,000 | $300,000 | $300,000-$350,000 | $694,500 | $590,000 | $600,000-$700,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$176 | $750 |
| Superior Protection Discount | -$83 | $843 |
| Fire & Security Discount | -$93 | $834 |
| Hail Resistant Roof Discount | -$19 | $908 |
| Newly Constructed Home Discount | -$241 | $686 |
| 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 |
| Lake County | $1,000 | $915 | $1,915 | $665 | $1,665 | $250 |
| Lake County, IL | $1,500 | $915 | $2,415 | $665 | $2,165 | $250 |
| Shields, IL | $100 | $974 | $1,074 | $708 | $808 | $266 |
| Somers, WI | $2,500 | $625 | $3,125 | $454 | $2,954 | $171 |
| Wind Point, WI | $200 | $772 | $972 | $561 | $761 | $211 |
| Chicago, IL | $700 | $892 | $1,592 | $648 | $1,348 | $244 |
| La Grange Park, IL | $300 | $782 | $1,082 | $568 | $868 | $214 |
| Oakwood Hills, IL | $2,000 | $859 | $2,859 | $624 | $2,624 | $235 |
| Burbank, IL | $400 | $829 | $1,229 | $602 | $1,002 | $227 |
| Allegan County, MI | $1,000 | $762 | $1,762 | $554 | $1,554 | $208 |
| Bull Valley, IL | $500 | $1,311 | $1,811 | $953 | $1,453 | $358 |
| Palos Park, IL | $2,000 | $1,252 | $3,252 | $910 | $2,910 | $342 |
| Home Insurance Company Lake County, IL | Homeowners Insurance Agency Lake County, IL | Address | Popularity Score | Distance from Lake County (miles) |
|---|---|---|---|---|
| Travelers | Southland Insurance & Financial Services Inc | 7808 W College Dr Ste 4sw, Palos Heights, IL, 60463 | 48.9 | |
| State Farm | Doug Kramer | 13 S Lincoln St, Hinsdale, IL, 60521-3403 | 44.2 | |
| State Farm | Bruce Horek | 10440 Cermak Rd, Westchester, IL, 60154-5201 | 40.2 | |
| State Farm | Hugh Masterson | 38 S Plum Grove Rd, Palatine, IL, 60067-6255 | 34.6 | |
| Erie | Reliant Agency | 1600 Golf Road Suite 1200, Rolling Meadows, IL, 60008 | 34.7 | |
| Travelers | Concklin Insurance Agency | 240 S Westmore Ave, Lombard, IL, 60148 | 41.9 | |
| Liberty Mutual Independent | Wm Schwartz & Co | 108 N Milwaukee Ave, Libertyville, IL, 60048 | 26.7 | |
| Liberty Mutual Independent | Bgs Insurance Agency | 3295 N Arlington Heights Rd Ste 111, Arlington Heights, IL, 60004 | 31.1 | |
| State Farm | Dutch Van Rossum | 978 S Bartlett Rd, Bartlett, IL, 60103-6500 | 45.6 | |
| Farmers | Rolando Gonzalez | 242 E North Ave, Northlake, IL, 60164 | 37.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $580 | $1,200 | $620 |
| Lake County, IL | $251,400 | $926 | $670 | $1,320 | $650 |
| Lake County, IL | $251,400 | $926 | $670 | $1,270 | $600 |
| Shields, IL | $492,900 | $986 | $700 | $1,400 | $700 |
| Somers, WI | $165,800 | $632 | $440 | $900 | $460 |
| Wind Point, WI | $246,300 | $781 | $530 | $1,120 | $590 |
| Chicago, IL | $234,500 | $902 | $610 | $1,250 | $640 |
| La Grange Park, IL | $333,700 | $791 | $560 | $1,090 | $530 |
| Oakwood Hills, IL | $190,600 | $869 | $600 | $1,230 | $630 |
| Burbank, IL | $174,200 | $839 | $600 | $1,190 | $590 |
| Allegan County, MI | $150,600 | $771 | $530 | $1,090 | $560 |
| Bull Valley, IL | $404,700 | $1,327 | $970 | $1,870 | $900 |
| Palos Park, IL | $388,400 | $1,267 | $920 | $1,750 | $830 |