Genoa Insurance Rates:

Genoa, IL home insurance is about $649 to $883, about $54-$73/month. Our complete analysis reveals consumers can save upto $306 by comparing many quotes

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Read Genoa, Illinois Homeowners Insurance Reviews & compare quotes to find the best & cheapest home insurance provider.

Genoa Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $580/5 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $305,000

4 Beds, 4 Baths 3330 sqft Seasonal Residence Constructed In 1968 with Hardwood Flooring, Tile Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Indoor Sprinklers, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

33 Years old Married Female who is a Freelancer with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

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

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $960/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $255,000

4 Beds, 4 Bath 2870 sqft Seasonal Residence Constructed In 1984 with Carpet Flooring, Tile Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Smoke Alarm, Central Air Conditioning, Fireplace, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

48 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $330/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

2 Beds, 2 Bath 1670 sqft Seasonal Residence Constructed In 1942 with Carpet Flooring, Slate Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

59 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $470/10 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $180,000

3 Beds, 3 Baths 1870 sqft Rental Property Constructed In 2012 with Stone Flooring, Membrane Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $470/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $245,000

5 Beds, 5 Baths 2170 sqft Vacation Property Constructed In 1961 with Carpet Flooring, Metal Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Single Male who is Retired with household income of $25-50,000 and has 2 Pets and is a Smoker

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

  • 550-599 Credit Score

Home Insurance Rate of $650/10 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $145,000

2 Beds, 2 Bath 1540 sqft Seasonal Residence Constructed In 1968 with Ceramic Tile Flooring, Asphalt Shingles Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Indoor Sprinklers, Smoke Alarm, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

73 Years old Married Female who is a Freelancer with household income of $50-$75,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $180/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $135,000

2 Beds, 2 Bath 1660 sqft Seasonal Residence Constructed In 1962 with Carpet Flooring, Asphalt Shingles Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Central Air Conditioning, Copper Water Pipes, Indoor Sprinklers, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Divorced Female who is a Freelancer with household income of more than $150,000 and has More than 3 Pets at home and is a Smoker

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

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $340/4 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $215,000

3 Beds, 3 Baths 1830 sqft Primary Residence Constructed In 1948 with Ceramic Tile Flooring, Metal Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Deadbolt Locks, Smoke Alarm, Swimming Pool, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Married Male who has a Full Time Job with household income of $75-$100,000 and has 2 Pets and is a Smoker

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

  • 650-699 Credit Score

Genoa, IL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
60135 $182,500 $780

Genoa Rates & Quotes Analysis:

Genoa Area Estimated House Insurance
Willow St, Oakview Dr, Adams St, Briody Way, Decker Dr, War Admiral Dr, Gladys Ct, Scout Rd, S Rood Rd, N East Line Rd$771
Roosevelt Rd, Nicholas Dr, N Eastline Rd, E 1st St, Bucks Rd, Hunter Rd, River Ln, Pat Ct, S Washington St, Stone Creek Cir$769
Crane Rd, 7th St, Heath Rd, N 6th St, Prairie St, S Windhaven St, Sandra St, S Sandra St, W 3rd St, Northwood Dr$776
Kirkland Rd, E Andra Cir, Timber Trl, Hortense St, Crain Rd, Central Ave, S Genoa St, Harrison Rd, Walnut St, Karen St$769
E Hill St, Kingston Rd, W Prairie St, Secretariat Dr, Snake Rd, W Hortense Dr, River Rd, Crane Ct, Ault Rd, Koch Dr$776

Insurance rates are influenced by a number of factors including:

  • Year Built: 474 Homes (21% of total) built between 1939 or earlier in Genoa are paying home insurance between $1,638-$1,649 in contrast with Kingston (+$49), Riley (+$100), Hampshire (+$92), Kirkland (-$19) and Franklin (-$16).
  • Bedrooms: 266 4 bedrooms homes (12% of total homes ) in Genoa are paying about $1,018 in contrast with Kingston (+$31), Riley (+$63), Hampshire (+$64), Kirkland (-$4) and Franklin (-$9).
  • Auto Insurance Bundling: 300 Households (19% of all households) in Genoa have 3 or more vehicles available and when it is bundled with home insurance you can save $191 in contrast with Kingston ($197), Riley ($203), Hampshire ($202).
  • Senior Discounts: 686 seniors (more than 55 years) occupied housing units (45% of total) in Genoa get discounts between $114 to $117. The comparative concessions in proximate regions such as Kingston, Riley and Sycamore are $118, $121 and $115 respectively.
  • New Homes discounts: New homes such as the 1,002 homes built between 2000 to 2009 in Genoa can save $153 in contrast with Kingston ($157), Riley ($162), Hampshire ($161).

Genoa Homeowners insurance Facts

  • Genoa, IL has 1,514 owner occupied houses which is 71.0% of all units whereas Kingston, Riley and Hampshire have 87.6%, 90.05% and 86.98% respectively.
  • Genoa, IL homeowners yearly insurance price at $766 is 0.45% of the typical house value of $171,100 which is in contrast with 0.36% in Kingston, 0.3% at Riley & 0.31% in Hampshire.
  • Homeowners in Genoa, IL pay 1.02% of their income ($75,000 or more) in insurance whereas homeowners in Kingston, Riley and Hampshire pay 1.05%, 1.08% and 1.08% respectively.
  • Genoa, IL’s insurance is 4.1% of monthly housing costs of $1,570/month, for owners with a mortgage compared to 3.47% in Kingston, 3.05% at Riley & 3.17% in Hampshire. But, for households without a mortgage, insurance is 11.6% of costs ($549 in Genoa, IL) in contrast with 8.63% in Kingston, 9.27% at Riley & 9.11% in Hampshire.

Genoa, IL Home Values & Insurance rates

For example, insurance for 68 Homes (4.0% of total homes ) valued between $300,000 to $399,999 in Genoa, IL is about $1,562. Rates in nearby areas in such as Kingston, Riley, Hampshire are cheaper by $308, $514, $472 respectively while Kirkland and Franklin are costlier by $179 and $122 respectively for similar homes.

Genoa, IL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 58 3.0% $107
$70,000 to $79,999 18 1.0% $329
$80,000 to $89,999 23 1.0% $375
$100,000 to $124,999 142 9.0% $490
$125,000 to $149,999 161 10.0% $612
$150,000 to $174,999 421 28.0% $720
$175,000 to $199,999 213 14.0% $834
$200,000 to $249,999 257 17.0% $1003
$250,000 to $299,999 129 8.0% $1233
$300,000 to $399,999 68 4.0% $1562

Renters Insurance in Genoa

  • Average Renters Insurance in Genoa :  $145($12/month)

  • Median Gross Rent in Genoa :  $760

  • Genoa Renters Insurance to Median Rent Ratio:  1.58%

  • Average household size of renter-occupied unit :  2.38

Genoa Renters Insurance as a Percentage of Rent

Genoa Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 14 2.0% $1236
$500 to $749 252 43.0% $1911
$750 to $999 194 33.0% $2661
$1,000 to $1,499 84 14.0% $3786
$1,500 or more 38 6.0% $5436

Rent Affordability in Genoa:

Approximately 44.0% (274) of households are spending more than 35% of their income on gross rent in Genoa

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 48 7.0%
15.0 to 19.9 percent 146 23.0%
20.0 to 24.9 percent 80 12.0%
25.0 to 29.9 percent 71 11.0%
35.0 percent or more 274 44.0%

Genoa Renters Insurance Discounts:

Genoa Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Genoa, IL Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 355 57.0% $14.5
2 vehicles available 138 22.0% $21.75
3 or more vehicles available 60 9.0% $29.0

Protective device discount in Genoa Up to :  $21

Claims-free discount in Genoa Up to :  $29