Braidwood Insurance Rates:

Braidwood, IL home insurance is nearly $646 to $881, about $53-$73/month. Our detailed research reveals consumers can save upto $305 by getting multiple quotes

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Braidwood, Illinois Homeowners Insurance Reviews separate truth from fantasy. Compare realistic quotes from the most best home insurance providers.

Braidwood Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $460/12 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

2 Beds, 2 Bath 1330 sqft Vacation Property Constructed In 2009 with Stone Flooring, Tile Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

68 Years old Divorced Female who is Retired with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $710/12 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $145,000

3 Beds, 3 Baths 1710 sqft Vacation Property Constructed In 1998 with Linoleum, Tile Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Deadbolt Locks, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

26 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $30/1 month for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $85,000

2 Beds, 2 Bath 990 sqft Rental Property Constructed In 1995 with Carpet over wood flooring, Membrane Roof, Slab Foundation, Vinyl siding, Stucco Construction. Home Features Include Smoke Alarm, Swimming Pool, Fire Extinguisher, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

27 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $110/3 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $145,000

2 Beds, 2 Bath 1660 sqft Seasonal Residence Constructed In 2005 with Stone Flooring, Metal Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $340/7 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $170,000

2 Beds, 2 Bath 1530 sqft Primary Residence Constructed In 2014 with Linoleum, Slate Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Smoke Alarm, Copper Water Pipes, Central Air Conditioning, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

51 Years old Single Female who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $910/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $275,000

4 Beds, 4 Baths 3030 sqft Vacation Property Constructed In 1993 with Stone Flooring, Tile Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Fire Extinguisher, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

59 Years old Single Female who has a Full Time Job with household income of $75-$100,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $260/5 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $140,000

2 Beds, 2 Bath 1560 sqft Vacation Property Constructed In 2012 with Hardwood Flooring, Shingles Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

57 Years old Divorced Male who is a Freelancer with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $650/10 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $200,000

3 Beds, 3 Baths 1910 sqft Primary Residence Constructed In 1981 with Linoleum, Wood Shake Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Central Air Conditioning, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

35 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $60/1 month for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $160,000

5 Beds, 5 Baths 1550 sqft Vacation Property Constructed In 1986 with Ceramic Tile Flooring, Slate Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Swimming Pool, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

51 Years old Divorced Male who has a Full Time Job with household income of $50-$75,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $300/9 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $115,000

2 Beds, 2 Bath 1120 sqft Vacation Property Constructed In 2010 with Linoleum, Shingles Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Copper Water Pipes, Fire Extinguisher, Smoke Alarm, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Guests at home

Braidwood, IL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
60408 $166,400 $780

Braidwood Rates & Quotes Analysis:

Braidwood Area Estimated House Insurance
Widows Rd, S Cooper Rd, Quail Ct, W 1st St, Ridge St, E 1st St, Hawk Trl, Smallmouth Ln, 6000N Rd, Sunfish Cir$756
Co Hwy 28, Big Musky Circle Ln, Sullivan Ln, Derby Ct, Bluegill Cir, W Reed St, Cemetery Rd, Co Hwy 31, Stewart St, S Francis St$764
Novy Rd, Jordan Ave, Kyle Ct, Bobby Ln, S Hickory St, Fossil Bay Ct, S School St, E Coal City Rd, N Will Rd, Charles Ln$764
Grundy County Line Rd, Stevens Ln, Little Musky Cir, Walleye Ln, English, N Water St, Widows Dr, Grove St, N Kenard St, I- 55$761
Tommy Dr, S Cook St, Harbor Lndg, Carol Ln, E Sandy Ct, N Roberts Dr, Kristen Dr, Charlotte St, W Bergera Rd, Mason St$766

Insurance rates are influenced by a number of factors including:

  • Year Built: 851 Homes (29% of total) built between 1990 to 1999 in Braidwood are paying home insurance between $1,102-$1,113 and varies from Diamond (+$14), Custer (+$37), Goose Lake (+$10), Godley (-$40) and Lakewood Shores (-$16).
  • Bedrooms: 1,496 3 bedrooms homes (51% of total homes ) in Braidwood are paying about $711 and varies from Custer (+$16), Grundy County (+$9), Wauponsee (+$19), Reed (-$9) and Godley (-$33).
  • Auto Insurance Bundling: 638 Households (31% of all households) in Braidwood have 3 or more vehicles available and when it is bundled with home insurance you can save $191 in contrast with Diamond ($193), Reed ($190), Godley ($184).
  • Senior Discounts: 920 seniors (more than 55 years) occupied housing units (45% of total) in Braidwood get discounts between $114 to $117 and varies from Diamond ($116), Reed ($114), Godley ($110).
  • New Homes discounts: New homes such as the 1,767 homes built between 2000 to 2009 in Braidwood can save $152 and differs from Diamond ($154), Reed ($152), Godley ($147).

Braidwood Homeowners insurance Facts

  • Braidwood, IL has 2,014 owner occupied houses which is 86.0% of all units whereas Diamond, Reed and Godley have 69.71%, 85.08% and 68.78% respectively.
  • Braidwood, IL homeowners yearly insurance price at $764 is 0.46% of the typical house value of $165,900 which is in contrast with 0.41% in Diamond, 0.47% at Reed & 0.67% in Godley.
  • Homeowners in Braidwood, IL pay 1.8% of their income ($40,000 to $44,999) in insurance whereas homeowners in Diamond, Reed and Godley pay 1.82%, 1.79% and 1.73% respectively.
  • Braidwood, IL’s insurance is 4.1% of monthly housing costs of $1,573/month, for owners with a mortgage compared to 3.72% in Diamond, 4.09% at Reed & 4.91% in Godley. But, for households without a mortgage, insurance is 12.9% of costs ($492 in Braidwood, IL) in contrast with 10.59% in Diamond, 13.28% at Reed & 18.47% in Godley.

Braidwood, IL Home Values & Insurance rates

For example, insurance for 174 Homes (8.0% of total homes ) valued between $125,000 to $149,999 in Braidwood, IL is about $626. Rates in nearby areas in such as Diamond, Felix, Wilmington are cheaper by $61, $14, $14 respectively while Reed and Godley are costlier by $6 and $294 respectively for similar homes.

Braidwood, IL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 129 6.0% $114
$50,000 to $59,999 34 1.0% $236
$70,000 to $79,999 21 1.0% $343
$80,000 to $89,999 55 2.0% $389
$90,000 to $99,999 53 2.0% $435
$100,000 to $124,999 236 11.0% $504
$125,000 to $149,999 174 8.0% $626
$150,000 to $174,999 479 24.0% $741
$175,000 to $199,999 264 13.0% $863
$200,000 to $249,999 379 19.0% $1031
$250,000 to $299,999 103 5.0% $1268
$300,000 to $399,999 55 2.0% $1604

Renters Insurance in Braidwood

  • Average Renters Insurance in Braidwood :  $150($12/month)

  • Median Gross Rent in Braidwood :  $780

  • Braidwood Renters Insurance to Median Rent Ratio:  1.54%

  • Renter occupied housing units in Braidwood :  329

Braidwood Renters Insurance as a Percentage of Rent

Braidwood Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 5 1.0% $337
$300 to $499 55 16.0% $1237
$500 to $749 71 21.0% $1912
$750 to $999 98 29.0% $2662
$1,000 to $1,499 91 27.0% $3787
$1,500 or more 9 2.0% $5437

Rent Affordability in Braidwood:

Approximately 39.0% (131) of households are spending more than 35% of their income on gross rent in Braidwood

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 30 9.0%
15.0 to 19.9 percent 29 8.0%
20.0 to 24.9 percent 31 9.0%
25.0 to 29.9 percent 108 32.0%
35.0 percent or more 131 39.0%

Protective device discount in Braidwood Up to :  $22

Claims-free discount in Braidwood Up to :  $30