How Can I Make My Ottawa, IL Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Ottawa, 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.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Ottawa, IL Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $50,500 | $50,000 | $25,000-$50,000 |
| 2 Bedroom | $119,500 | $100,000 | $125,000-$150,000 |
| 3 Bedroom | $144,000 | $130,000 | $125,000-$150,000 |
| 4 Bedroom | $197,500 | $180,000 | $175,000-$200,000 |
| 5 Bedroom | $204,000 | $190,000 | $200,000-$250,000 |
Estimate your Savings with Home Insurance Discounts in Ottawa, IL | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$119 | $579 |
| Superior Protection Discount | -$70 | $628 |
| Fire & Security Discount | -$77 | $621 |
| Hail Resistant Roof Discount | -$14 | $684 |
| Newly Constructed Home Discount | -$167 | $530 |
Choose the Right Deductible for your Ottawa, 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 |
| LaSalle County | $700 | $699 | $1,399 | $508 | $1,208 | $191 |
| Ottawa, IL | $2,000 | $689 | $2,689 | $501 | $2,501 | $188 |
| Grand Rapids, IL | $300 | $824 | $1,124 | $599 | $899 | $225 |
| Adams, IL | $2,000 | $817 | $2,817 | $594 | $2,594 | $223 |
| Evans, IL | $500 | $666 | $1,166 | $484 | $984 | $182 |
| Little Rock, IL | $700 | $678 | $1,378 | $493 | $1,193 | $185 |
| Toluca, IL | $300 | $555 | $855 | $404 | $704 | $152 |
| Dwight, IL | $1,500 | $724 | $2,224 | $526 | $2,026 | $198 |
| Pike, IL | $100 | $799 | $899 | $581 | $681 | $218 |
| Manhattan, IL | $1,000 | $779 | $1,779 | $566 | $1,566 | $213 |
| Indian Grove, IL | $500 | $674 | $1,174 | $490 | $990 | $184 |
| Charlotte, IL | $2,000 | $863 | $2,863 | $627 | $2,627 | $236 |
Identify Top Home Insurance Agents near Ottawa, IL | Back to Top
| Home Insurance Company Ottawa, IL | Homeowners Insurance Agency Ottawa, IL | Address | Popularity Score | Distance from Ottawa (miles) |
|---|---|---|---|---|
| State Farm | Gregory Pec | 1213 Maple Ave Unit 1, Lisle, IL, 60532-4139 | 49.4 | |
| Allstate | Jay Marino | 6440 Main St Ste 140, Woodridge, IL, 60517 | 48.8 | |
| State Farm | Caryn Montalto | 160 E Wend St Ste D, Lemont, IL, 60439-2904 | 48.0 | |
| Farmers | Louie Williams | 25 S Washington St Ste 204, Naperville, IL, 60540 | 45.9 | |
| State Farm | Gary Presley | 221 Crawford Avenue, Dixon, IL, 61021-3135 | 47.6 | |
| Allstate | Paul Collins | 111 S Lincolnway Ste E, North Aurora, IL, 60542 | 40.7 | |
| Allstate | Miguel Gonzalez | 5328 Main St Ste 108, Lisle, IL, 60532 | 49.5 | |
| Liberty Mutual Independent | Tower Insurance And Risk Management Services Llc | 500 S County Farm Rd, Wheaton, IL, 60187 | 50.0 | |
| Farmers | Donald Ardaugh | 16143 S Lincoln Hwynit 101, Plainfield, IL, 60544 | 37.5 | |
| Farmers | Becky Smith | 4s100 N State Route 59 Ste 8, Naperville, IL, 60563 | 45.4 |
Compare Rates for Ottawa, 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 | $580 | $1,180 | $600 |
| LaSalle County, IL | $126,100 | $707 | $500 | $970 | $470 |
| Ottawa, IL | $134,000 | $698 | $480 | $1,000 | $520 |
| Grand Rapids, IL | $171,400 | $834 | $590 | $1,180 | $590 |
| Adams, IL | $167,700 | $827 | $570 | $1,180 | $610 |
| Evans, IL | $107,500 | $674 | $460 | $960 | $500 |
| Little Rock, IL | $163,100 | $686 | $470 | $950 | $480 |
| Toluca, IL | $76,200 | $562 | $380 | $780 | $400 |
| Dwight, IL | $127,800 | $733 | $520 | $1,030 | $510 |
| Pike, IL | $159,300 | $809 | $550 | $1,120 | $570 |
| Manhattan, IL | $233,700 | $789 | $540 | $1,130 | $590 |
| Indian Grove, IL | $110,100 | $682 | $470 | $930 | $460 |
| Charlotte, IL | $192,800 | $873 | $590 | $1,200 | $610 |
Research Home Insurance Companies Reviews in Ottawa, IL Before Buying | Back to Top
Share a review on your home insurance company
Liberty Mutual Home Insurance Reviews
Date: November 26, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
Since I've had home insurance I was satisfied. It seemed pretty simple and straight forward. I don't like to pay an extra bill very month however knowing I am covered if something happened and that gives me peace of mind and that's was worth it. The service is professional and courteous.
GEICO Home Insurance Reviews
Date: January 11, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
They were able to beat the company I had been with for over seven years. I just received a six month renewal bill and it mostly stayed the same which is new for me, because my last company would increase my price every time it renewed.
State Farm Home Insurance Reviews
Date: October 31, 2018 Age: Above 60 Gender: Male Marital Status: Married
Communication
The agent that I spoke to was very nice and answered every question that I had. It was difficult because I was a first time home-buyer and had no clue what I wanted or needed.
Farmer's Insurance Home Insurance Reviews
Date: December 31, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Policy Offerings
We got the best rates through our insurance company. It was considerably cheaper than the competition with more flexibility!
Progressive Home Insurance Reviews
Date: March 27, 2019 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Customer Service
Progressive is generally responsive to any customer requests and they have convenient local offices close to my residence. Their employees seem earnest to find the best policy for you.