Gavop shows you how to buy homeowners insurance in Byron, 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 | $58,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $87,500 | $70,000 | $100,000-$125,000 |
| 3 Bedroom | $142,000 | $120,000 | $125,000-$150,000 |
| 4 Bedroom | $182,500 | $160,000 | $175,000-$200,000 |
| 5 Bedroom | $396,500 | $350,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$112 | $590 |
| Superior Protection Discount | -$63 | $639 |
| Fire & Security Discount | -$63 | $639 |
| Hail Resistant Roof Discount | -$14 | $688 |
| Newly Constructed Home Discount | -$169 | $534 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,733 |
| Physical Damage | $2,319 |
| Hail Damage | $4,759 |
| Wind Damage | $6,560 |
| Expensive Claims | |
| Fire | $43,336 |
| Smoke | $16,887 |
| Home Insurance Company Byron, IL | Homeowners Insurance Agency Byron, IL | Address | Popularity Score | Distance from Byron (miles) |
|---|---|---|---|---|
| State Farm | Jay Janese | 311 Randall Rd, South Elgin, IL, 60177-2248 | 49.0 | |
| Travelers | Blue Sky Insurance Agency Inc | 4615 E State St Ste 20, Rockford, IL, 61108 | 13.9 | |
| Liberty Mutual Independent | Sdl Insurance Solutions | 9 Crystal Lake Rd Ste 230, Lake In The Hills, IL, 60156 | 47.9 | |
| State Farm | Ted Frits | 523 N Brewster Ave, Freeport, IL, 61032-3108 | 21.7 | |
| Farmers | Jesse Novotny | 920 Davis Rd Ste 107, Elgin, IL, 60123 | 49.9 | |
| Farmers | Roger Weiss | 1831 Larkin Ave, Elgin, IL, 60123 | 49.3 | |
| Allstate | Gary Bonick | 10 Virginia Rd, Crystal Lake, IL, 60014 | 48.5 | |
| Farmers | Loretta Ingham | 128 S Main St, Algonquin, IL, 60102 | 49.8 | |
| Travelers | Cribbet Insurance Agency Inc | 940 Barlina Rd, Crystal Lake, IL, 60014 | 46.8 | |
| Farmers | Mark Bauman | 384 W Virginia St, Crystal Lake, IL, 60014 | 47.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $590 | $1,210 | $620 |
| Ogle County, IL | $139,900 | $742 | $510 | $1,020 | $510 |
| Byron, IL | $172,600 | $702 | $510 | $1,000 | $490 |
| Caledonia, IL | $168,800 | $696 | $470 | $960 | $490 |
| Franklin Grove, IL | $107,300 | $673 | $490 | $940 | $450 |
| Loran, IL | $108,900 | $679 | $460 | $960 | $500 |
| Capron, IL | $102,700 | $659 | $450 | $900 | $450 |
| Rock, WI | $105,600 | $541 | $370 | $740 | $370 |
| Compton, IL | $79,300 | $575 | $400 | $810 | $410 |
| Kaneville, IL | $263,400 | $984 | $680 | $1,350 | $670 |
| Fontana-on-Geneva Lake, WI | $356,400 | $920 | $660 | $1,320 | $660 |
| Lakewood, IL | $381,000 | $1,242 | $890 | $1,700 | $810 |
| Greenwood, IL | $170,500 | $699 | $500 | $990 | $490 |