Ottawa, IL - Homeowners Insurance Buying Guide

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.

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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

Choose the Best Ottawa, IL Home Insurance Premium for your Background | Back to Top

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Retired 600-649 Credit Score No Income 3 Pets, Smoker $460
Freelancer 500-549 Credit Score >$150,000 No Pets, Smoker $230
Full Time Job 550-599 Credit Score $100 to $150,000 2 Pets, Smoker $500

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
Illinois $500 $890 $1,390 $740 $1,240 $150
LaSalle County, IL $700 $460 $960 $410 $1,110 $-150
Ottawa, IL $2,000 $650 $1,150 $540 $2,540 $-1,390
Grand Rapids, IL $300 $860 $1,160 $720 $1,020 $140
Adams, IL $2,000 $740 $1,240 $620 $2,620 $-1,380
Evans, IL $500 $370 $870 $330 $830 $40
Little Rock, IL $700 $940 $1,440 $770 $1,470 $-30
Toluca, IL $300 $440 $740 $380 $680 $60
Dwight, IL $1,500 $520 $1,020 $440 $1,940 $-920
Pike, IL $100 $360 $460 $300 $400 $60
Manhattan, IL $1,000 $1,160 $1,660 $950 $1,950 $-290
Indian Grove, IL $500 $630 $1,130 $540 $1,040 $90
Charlotte, IL $2,000 $860 $1,360 $720 $2,720 $-1,360

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

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Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Illinois $190,800 $760 $520 $1,040 $520
LaSalle County, IL $126,900 $700 $500 $960 $460
Ottawa, IL $132,900 $770 $520 $1,070 $550
Grand Rapids, IL $177,100 $740 $530 $1,050 $520
Adams, IL $186,700 $930 $670 $1,280 $610
Evans, IL $88,000 $450 $320 $640 $320
Little Rock, IL $183,400 $790 $550 $1,110 $560
Toluca, IL $88,200 $410 $270 $570 $300
Dwight, IL $127,600 $640 $440 $910 $470
Pike, IL $76,700 $450 $330 $640 $310
Manhattan, IL $243,400 $1,100 $750 $1,570 $820
Indian Grove, IL $117,900 $700 $480 $1,000 $520
Charlotte, IL $207,400 $1,100 $790 $1,510 $720

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.