Gavop shows you how to buy homeowners insurance in Rock Falls, IL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $38,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $76,500 | $70,000 | $50,000-$75,000 |
| 3 Bedroom | $93,000 | $80,000 | $75,000-$100,000 |
| 4 Bedroom | $158,000 | $140,000 | $175,000-$200,000 |
| 5 Bedroom | $150,000 | $120,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$159 | $677 |
| Superior Protection Discount | -$75 | $760 |
| Fire & Security Discount | -$58 | $777 |
| Hail Resistant Roof Discount | -$25 | $810 |
| Newly Constructed Home Discount | -$175 | $660 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,975 |
| Physical Damage | $2,392 |
| Hail Damage | $4,618 |
| Wind Damage | $6,560 |
| Expensive Claims | |
| Fire | $46,463 |
| Smoke | $17,054 |
| Home Insurance Company Rock Falls, IL | Homeowners Insurance Agency Rock Falls, IL | Address | Popularity Score | Distance from Rock Falls (miles) |
|---|---|---|---|---|
| State Farm | Mike Sprague | 1712 E 4th St, Sterling, IL, 61081-2922 | 1.8 | |
| Allstate | Jill Ellis-Craig | 4855 E State St Ste 19, Rockford, IL, 61108 | 48.3 | |
| State Farm | Erik Abrahamsen | 1890 Daimler Rd, Rockford, IL, 61112-1006 | 49.1 | |
| State Farm | Lorita Hellman | 324 N Main St, Princeton, IL, 61356-1729 | 29.7 | |
| State Farm | David Zierke | 1633 N Alpine Rd, Rockford, IL, 61107-1414 | 49.1 | |
| Travelers | Hartauer Insurance Agency | 613 1st St La Salle, Lasalle, IL, 61301 | 43.5 | |
| Travelers | Don Burke Investments | 501 6th Ave Ste, Rochelle, IL, 61068 | 33.9 | |
| State Farm | Steve Urbelis | 5301 E State St Ste 204, Rockford, IL, 61108-2389 | 48.6 | |
| State Farm | Guy Sikora | 929 S Alpine Rd Ste 208, Rockford, IL, 61108-3939 | 47.7 | |
| State Farm | Brian Scholle | 850 S 4th St, Dekalb, IL, 60115-4410 | 49.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $590 | $1,200 | $610 |
| Whiteside County, IL | $102,200 | $637 | $430 | $870 | $440 |
| Rock Falls, IL | $75,000 | $835 | $610 | $1,180 | $570 |
| Hahnaman, IL | $147,500 | $783 | $540 | $1,080 | $540 |
| Creston, IL | $120,300 | $713 | $480 | $1,010 | $530 |
| Shabbona, IL | $162,200 | $815 | $550 | $1,160 | $610 |
| Wethersfield, IL | $78,700 | $572 | $420 | $800 | $380 |
| Riverdale, IA | $188,500 | $957 | $650 | $1,320 | $670 |
| Park View, IA | $175,400 | $929 | $620 | $1,330 | $710 |
| Western, IL | $145,600 | $778 | $560 | $1,080 | $520 |
| Cedar Point, IL | $84,600 | $595 | $400 | $840 | $440 |
| Eldridge, IA | $216,300 | $849 | $620 | $1,180 | $560 |