Gavop's guide to buying homeowners insurance in Cumberland 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $34,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $87,500 | $80,000 | $50,000-$75,000 |
| 3 Bedroom | $86,000 | $70,000 | $75,000-$100,000 |
| 4 Bedroom | $124,500 | $110,000 | $100,000-$125,000 |
| 5 Bedroom | $257,000 | $240,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$111 | $474 |
| Superior Protection Discount | -$53 | $532 |
| Fire & Security Discount | -$47 | $538 |
| Hail Resistant Roof Discount | -$18 | $567 |
| Newly Constructed Home Discount | -$158 | $427 |
| 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 |
| Cumberland County | $2,500 | $578 | $3,078 | $420 | $2,920 | $158 |
| Cumberland County, IL | $700 | $578 | $1,278 | $420 | $1,120 | $158 |
| Lucas, IL | $200 | $831 | $1,031 | $604 | $804 | $227 |
| Allenville, IL | $1,500 | $553 | $2,053 | $402 | $1,902 | $151 |
| Windsor, IL | $300 | $573 | $873 | $416 | $716 | $157 |
| Moccasin, IL | $1,000 | $885 | $1,885 | $643 | $1,643 | $242 |
| Denver, IL | $200 | $806 | $1,006 | $586 | $786 | $220 |
| Petty, IL | $700 | $558 | $1,258 | $406 | $1,106 | $153 |
| Villa Grove, IL | $200 | $616 | $816 | $447 | $647 | $168 |
| St. Mary of the Woods, IN | $700 | $813 | $1,513 | $591 | $1,291 | $222 |
| Universal, IN | $200 | $537 | $737 | $391 | $591 | $147 |
| Keith, IL | $1,000 | $431 | $1,431 | $313 | $1,313 | $118 |
| Home Insurance Company Cumberland County, IL | Homeowners Insurance Agency Cumberland County, IL | Address | Popularity Score | Distance from Cumberland County (miles) |
|---|---|---|---|---|
| Erie | Bob Oetting & Associates | 905 W Lincoln Avenue, Charleston, IL, 61920 | 14.8 | |
| Erie | Richland Insurance Services Inc. | 104 North Drive, Mount Zion, IL, 62549 | 48.6 | |
| State Farm | Sherri Branson | 612 Charleston Ave, Mattoon, IL, 61938-4305 | 15.8 | |
| Liberty Mutual Independent | Blanks Insurance Agency Llc | 515 S Whittle Avenue, Olney, IL, 62450 | 38.6 | |
| Travelers | Staley Insurance Agency | P O Box 185, Casey, IL, 62420 | 13.4 | |
| Allstate | First Neighbor Bank | 323 E 6th St, Neoga, IL, 62447 | 11.6 | |
| State Farm | Ed Zinschlag | 705 Broadway Ave, Mattoon, IL, 61938-4322 | 15.8 | |
| State Farm | Dick Stark | 1004 E St, Charleston, IL, 61920-2524 | 15.1 | |
| State Farm | Leon Gobczynski | 312 W Wabash Avenue, Effingham, IL, 62401-2668 | 19.8 | |
| State Farm | Rob Hackett | 305 W Jasper St, Paris, IL, 61944-2771 | 36.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $610 | $1,210 | $600 |
| Cumberland County, IL | $94,000 | $585 | $390 | $810 | $420 |
| Cumberland County, IL | $94,000 | $585 | $400 | $810 | $410 |
| Lucas, IL | $175,000 | $841 | $610 | $1,150 | $540 |
| Allenville, IL | $75,600 | $560 | $400 | $770 | $370 |
| Windsor, IL | $80,700 | $580 | $400 | $810 | $410 |
| Moccasin, IL | $206,500 | $896 | $650 | $1,260 | $610 |
| Denver, IL | $162,500 | $816 | $600 | $1,170 | $570 |
| Petty, IL | $76,800 | $565 | $410 | $780 | $370 |
| Villa Grove, IL | $92,300 | $623 | $440 | $880 | $440 |
| St. Mary of the Woods, IN | $122,100 | $823 | $580 | $1,160 | $580 |
| Universal, IN | $51,800 | $544 | $390 | $780 | $390 |
| Keith, IL | $47,900 | $436 | $290 | $610 | $320 |