Gavop's guide to buying homeowners insurance in Columbia, 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 | $56,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $137,000 | $130,000 | $150,000-$175,000 |
| 3 Bedroom | $145,000 | $120,000 | $125,000-$150,000 |
| 4 Bedroom | $319,000 | $280,000 | $250,000-$300,000 |
| 5 Bedroom | $268,000 | $220,000 | $300,000-$350,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$67 | $675 |
| Home and Two Car | -$119 | $623 |
| Home and Three Car | -$178 | $564 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,337 |
| Physical Damage | $2,537 |
| Hail Damage | $4,571 |
| Wind Damage | $6,242 |
| Expensive Claims | |
| Fire | $46,463 |
| Smoke | $16,553 |
| Home Insurance Company Columbia, IL | Homeowners Insurance Agency Columbia, IL | Address | Popularity Score | Distance from Columbia (miles) |
|---|---|---|---|---|
| State Farm | Lisa Sauer | 2670 Plaza Dr Ste A, Highland, IL, 62249-1123 | 35.0 | |
| State Farm | Stacy Jackson | 871 N Illinois Route 3, Waterloo, IL, 62298-1078 | 7.9 | |
| State Farm | Bruce Doyle | 100 Veterans Pkwy, Columbia, IL, 62236-2508 | 0.8 | |
| Travelers | Petri Insurance | 119 W Mill St, Waterloo, IL, 62298 | 9.1 | |
| Allstate | Richard Smith | 414 Range Ln, Cahokia, IL, 62206 | 7.7 | |
| Travelers | Jim Lyons Insurance Agency | 420 West Highway 40, Troy, IL, 62294 | 25.0 | |
| Erie | A & W Insurance Agency Llc | 209a W Mill Street, Waterloo, IL, 62298 | 9.1 | |
| Travelers | Petri Insurance | 119 W Mill St, Waterloo, IL, 62298 | 9.1 | |
| Travelers | Niebruegge Insurance Agency | 117 S State St, Freeburg, IL, 62243 | 16.8 | |
| Erie | Community Brokers Insurance Group Inc. | 6 Ginger Creek Parkway Suite B, Glen Carbon, IL, 62034 | 25.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $590 | $1,220 | $630 |
| St. Clair County, IL | $122,600 | $697 | $500 | $1,000 | $500 |
| Columbia, IL | $198,700 | $742 | $500 | $1,060 | $560 |
| Swansea, IL | $166,200 | $691 | $500 | $990 | $490 |
| Byrnes Mill, MO | $200,900 | $1,217 | $820 | $1,670 | $850 |
| Berkeley, MO | $63,700 | $675 | $450 | $960 | $510 |
| Cedar Hill, MO | $132,600 | $1,049 | $700 | $1,450 | $750 |
| Fayetteville, IL | $137,500 | $759 | $520 | $1,040 | $520 |
| Prairie du Rocher, IL | $83,500 | $591 | $400 | $830 | $430 |
| Summerfield, IL | $88,300 | $609 | $440 | $830 | $390 |
| Sugar Creek, IL | $164,400 | $689 | $460 | $970 | $510 |
| Omphghent, IL | $163,500 | $818 | $560 | $1,150 | $590 |
| Bunker Hill, IL | $99,400 | $648 | $440 | $910 | $470 |