Gavop's guide to buying homeowners insurance in Wilmington, 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 | $55,000 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $143,500 | $130,000 | $125,000-$150,000 |
| 3 Bedroom | $148,500 | $130,000 | $150,000-$175,000 |
| 4 Bedroom | $228,000 | $210,000 | $200,000-$250,000 |
| 5 Bedroom | $166,500 | $150,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$95 | $584 |
| Superior Protection Discount | -$68 | $611 |
| Fire & Security Discount | -$54 | $624 |
| Hail Resistant Roof Discount | -$14 | $665 |
| Newly Constructed Home Discount | -$136 | $543 |
| 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 |
| Will County | $2,500 | $865 | $3,365 | $629 | $3,129 | $236 |
| Wilmington, IL | $2,500 | $671 | $3,171 | $487 | $2,987 | $183 |
| Salina, IL | $300 | $841 | $1,141 | $611 | $911 | $230 |
| Erienna, IL | $2,000 | $961 | $2,961 | $699 | $2,699 | $263 |
| Du Page, IL | $300 | $733 | $1,033 | $533 | $833 | $200 |
| Country Club Hills, IL | $700 | $684 | $1,384 | $497 | $1,197 | $187 |
| Mona, IL | $200 | $580 | $780 | $421 | $621 | $158 |
| River Forest, IL | $1,000 | $1,934 | $2,934 | $1,405 | $2,405 | $528 |
| Leyden, IL | $500 | $728 | $1,228 | $529 | $1,029 | $199 |
| Lily Lake, IL | $2,500 | $1,038 | $3,538 | $755 | $3,255 | $284 |
| South Elgin, IL | $200 | $758 | $958 | $551 | $751 | $207 |
| Dimmick, IL | $700 | $882 | $1,582 | $641 | $1,341 | $241 |
| Home Insurance Company Wilmington, IL | Homeowners Insurance Agency Wilmington, IL | Address | Popularity Score | Distance from Wilmington (miles) |
|---|---|---|---|---|
| State Farm | Tom Luscombe | 920 175th St Ste 1-2, Homewood, IL, 60430-2077 | 33.0 | |
| State Farm | Larry Laino | 3837 E Main St, St Charles, IL, 60174-2424 | 40.7 | |
| State Farm | Kevin Molloy | 816 Laraway Rd, New Lenox, IL, 60451-2694 | 14.9 | |
| State Farm | Ryan Wahlheim | 1450 Plainfield Rd Ste 7, Darien, IL, 60561-5944 | 30.5 | |
| State Farm | Chris Hoskinson | 2332 W Belmont Avenue, Chicago, IL, 60618-6966 | 49.2 | |
| Allstate | Scott Sebestin | 4842 Butterfield Rd, Hillside, IL, 60162 | 40.3 | |
| State Farm | Jerry Carter | 9816 S Cicero Ave, Oak Lawn, IL, 60453-3104 | 35.1 | |
| State Farm | Ken Mulheran | 11332 W Lincoln Hwy, Mokena, IL, 60448-8409 | 19.4 | |
| State Farm | Helen Scott | 50 E Pershing Rd, Chicago, IL, 60653-1531 | 44.7 | |
| State Farm | Joanne Krajci | 6165 S Archer Ave, Chicago, IL, 60638-2666 | 38.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $620 | $1,160 | $540 |
| Will County, IL | $216,400 | $876 | $600 | $1,200 | $600 |
| Wilmington, IL | $158,800 | $679 | $480 | $940 | $460 |
| Salina, IL | $180,600 | $851 | $580 | $1,170 | $590 |
| Erienna, IL | $256,600 | $973 | $710 | $1,330 | $620 |
| Du Page, IL | $198,600 | $742 | $510 | $1,050 | $540 |
| Country Club Hills, IL | $131,900 | $692 | $510 | $990 | $480 |
| Mona, IL | $82,500 | $587 | $420 | $810 | $390 |
| River Forest, IL | $575,900 | $1,957 | $1,350 | $2,680 | $1,330 |
| Leyden, IL | $195,100 | $737 | $530 | $1,010 | $480 |
| Lily Lake, IL | $303,600 | $1,051 | $730 | $1,500 | $770 |
| South Elgin, IL | $216,900 | $767 | $560 | $1,100 | $540 |
| Dimmick, IL | $204,300 | $893 | $610 | $1,280 | $670 |