Gavop's guide to buying homeowners insurance in McDonough County, 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.
| McDonough County, IL - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| S Vine St, N 325th Rd, W Davis St, N 2200th Rd, N Avery St, Twp Rd 576, Co Rd 1450 N, E 800th St, Co Rd 450 E, S Garfield St | $97,500 | $90,000 | $100,000-$125,000 | $81,000 | $70,000 | $75,000-$100,000 |
| Co Rd 15, N Charles St, Co Rd 450 E, Chestnut St, Twp Rd 424, Co Rd 600 N, Verzel Dr, N Pine St, Co Rd 2250 E, Elmira Rd | $139,000 | $130,000 | $125,000-$150,000 | $109,500 | $100,000 | $100,000-$125,000 |
| N Coal St, Co Rd 1250 N, S Jackson St, Co Rd 1000 N, N 1625th Rd, E Taylor St, N 1000th Rd, Co Rd 2300 E, N 1600th Rd, Twp Rd 414 | $106,500 | $100,000 | $100,000-$125,000 | $61,500 | $60,000 | $50,000-$75,000 |
| S Lawrence St, Co Rd 2075 N, E 825th St, S Lafayette St, N 620 Rd, S McArthur St, Waco Rd, Co Rd 500 E, N 700th Rd, N Hun St | $80,500 | $70,000 | $75,000-$100,000 | $71,500 | $60,000 | $75,000-$100,000 |
| W Osborne St, N 800th Rd, W Piper St, Co Rd 1300 E, Twp Rd 378, Hawthorn Ridge, Blairmore Rd, E Water St, E 800th St, Doddsville Rd | $97,500 | $80,000 | $75,000-$100,000 | $129,000 | $110,000 | $125,000-$150,000 |
| Dallas St, Wigwam Hollow Rd, E South St, East St, Washington Blvd, Co Rd 2000 E, Lakewood Dr, E 1450th St, Co Rd 00 N, N Bonham St | $139,500 | $120,000 | $100,000-$125,000 | $114,000 | $100,000 | $125,000-$150,000 |
| Co Rd 900 N, N Prairie Ave, 2400 St, Twp Rd 162, Campus View Dr, N 425th Rd, S Johnson St, Van Buren, Twp Rd 311, Verzel Dr N | $114,000 | $100,000 | $125,000-$150,000 | $66,500 | $60,000 | $50,000-$75,000 |
| Cheyenne Rd, Emperor Rd, Twp Rd 613, Co Rd 1700 N, Campusview Dr, N Chestnut St, Co Rd 2125 E, N Van Buren St, Co Hwy 22, Co Rd 12 | $71,500 | $60,000 | $75,000-$100,000 | $54,000 | $40,000 | $50,000-$75,000 |
| E 1650th St, Reed St, N Beatty Rd, Prairie St, Twp Rd 575, Co Rd 250 E, Oth, W Calhoun St, Twp Rd 229, N Western Ave | $162,500 | $150,000 | $125,000-$150,000 | $115,500 | $100,000 | $75,000-$100,000 |
| Penny Oaks Dr, Scot Rd, Twp Rd 278, N Rile St, Emblem Rd, Co Rd 425 E, Co Rd 1300 N, E 250th St, 1700th St, E 900th St | $89,500 | $80,000 | $100,000-$125,000 | $60,000 | $50,000 | $50,000-$75,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$110 | $502 |
| Superior Protection Discount | -$61 | $551 |
| Fire & Security Discount | -$55 | $557 |
| Hail Resistant Roof Discount | -$12 | $600 |
| Newly Constructed Home Discount | -$141 | $471 |
| 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 |
| McDonough County | $1,500 | $605 | $2,105 | $439 | $1,939 | $165 |
| McDonough County, IL | $2,500 | $605 | $3,105 | $439 | $2,939 | $165 |
| Industry, IL | $100 | $556 | $656 | $404 | $504 | $152 |
| Media, IL | $1,500 | $602 | $2,102 | $437 | $1,937 | $164 |
| Harmony, IL | $500 | $508 | $1,008 | $369 | $869 | $139 |
| Hale, IL | $2,500 | $766 | $3,266 | $556 | $3,056 | $209 |
| Orange, IL | $500 | $810 | $1,310 | $589 | $1,089 | $221 |
| Coatsburg, IL | $2,000 | $550 | $2,550 | $400 | $2,400 | $150 |
| Oak Run, IL | $500 | $932 | $1,432 | $677 | $1,177 | $255 |
| Pleasant Ridge, IA | $2,500 | $902 | $3,402 | $656 | $3,156 | $247 |
| Keithsburg, IL | $400 | $453 | $853 | $330 | $730 | $124 |
| Oakville, IA | $2,500 | $591 | $3,091 | $429 | $2,929 | $161 |
| Home Insurance Company McDonough County, IL | Homeowners Insurance Agency McDonough County, IL | Address | Popularity Score | Distance from McDonough County (miles) |
|---|---|---|---|---|
| Allstate | Stacy Foxall | 28 W Side Square, Macomb, IL, 61455 | 0.5 | |
| State Farm | Brian Yontz | 2001 N Main St, Lewistown, IL, 61542-9625 | 27.8 | |
| State Farm | Cathy Early | 1221 W Jackson St, Macomb, IL, 61455-1927 | 0.6 | |
| State Farm | Tony Ensenberger | 509 N Lafayette Street, Macomb, IL, 61455-1597 | 0.7 | |
| State Farm | Jon Ferguson | 91 Public Sq, Monmouth, IL, 61462-1773 | 31.5 | |
| State Farm | Shawn Mason | 940 N Henderson St, Galesburg, IL, 61401-2520 | 38.0 | |
| Travelers | Crossroads Consulting & Brokerage Inc | 200 S Broadway, Table Grove, IL, 61482 | 14.8 | |
| State Farm | Alan Thompson | 623 E Jackson St, Macomb, IL, 61455-2407 | 0.8 | |
| State Farm | Dennis Twitty | 336 N Henderson St, Galesburg, IL, 61401-3506 | 37.6 | |
| State Farm | Kris Dornbush | 57 South Adams, Carthage, IL, 62321-1433 | 24.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $600 | $1,210 | $610 |
| McDonough County, IL | $94,600 | $612 | $440 | $840 | $400 |
| McDonough County, IL | $94,600 | $612 | $450 | $840 | $390 |
| Industry, IL | $76,300 | $563 | $390 | $800 | $410 |
| Media, IL | $88,300 | $609 | $410 | $870 | $460 |
| Harmony, IL | $64,600 | $514 | $370 | $720 | $350 |
| Hale, IL | $144,300 | $775 | $530 | $1,100 | $570 |
| Orange, IL | $164,400 | $820 | $560 | $1,130 | $570 |
| Coatsburg, IL | $75,000 | $557 | $400 | $770 | $370 |
| Oak Run, IL | $236,500 | $943 | $690 | $1,350 | $660 |
| Pleasant Ridge, IA | $168,800 | $913 | $610 | $1,310 | $700 |
| Keithsburg, IL | $52,600 | $459 | $340 | $650 | $310 |
| Oakville, IA | $76,700 | $598 | $430 | $830 | $400 |