Litchfield Insurance Rates:

Litchfield, IL home insurance is nearly $611 to $832, about $50-$69/month. Our complete analysis reveals consumers can save upto $288 by comparing different quotes

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Litchfield Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $700/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $220,000

4 Beds, 4 Bath 3220 sqft Primary Residence Constructed In 1963 with Carpet over wood flooring, Membrane Roof, Slab Foundation, Stucco siding, Stucco Construction. Home Features Include Smoke Alarm, Fireplace, Fire Extinguisher, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

68 Years old Married Female who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $20/1 month for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $70,000

3 Beds, 3 Baths 1280 sqft Seasonal Residence Constructed In 1980 with Hardwood Flooring, Membrane Roof, Crawl Space Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Indoor Sprinklers, Fireplace, Fire Extinguisher, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

36 Years old Single Male who has a Full Time Job with household income of $50-$75,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $160/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $185,000

4 Beds, 4 Baths 3000 sqft Seasonal Residence Constructed In 1968 with Hardwood Flooring, Shingles Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Fire Extinguisher, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

34 Years old Single Female who is a Freelancer with household income of $75-$100,000 and has 1 Pet and is a Non-Smoker

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

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $160/4 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $105,000

4 Beds, 4 Baths 1860 sqft Vacation Property Constructed In 1979 with Stone Flooring, Shingles Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

74 Years old Single Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Non-Smoker

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

  • 500-549 Credit Score

Home Insurance Rate of $430/9 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $185,000

4 Beds, 4 Baths 3150 sqft Vacation Property Constructed In 1962 with Linoleum, Metal Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Fire Extinguisher, Fireplace, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

46 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 :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $540/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Bath 3080 sqft Primary Residence Constructed In 1987 with Ceramic Tile Flooring, Shingles Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Fireplace, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

36 Years old Divorced Female who is a Freelancer with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

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

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $120/2 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $190,000

4 Beds, 4 Baths 3190 sqft Primary Residence Constructed In 1956 with Hardwood Flooring, Tile Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Swimming Pool, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

54 Years old Divorced Male who is a Freelancer with household income of $50-$75,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $100/2 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $125,000

3 Beds, 3 Bath 1790 sqft Seasonal Residence Constructed In 1970 with Linoleum, Tile Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Fire Extinguisher, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

34 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Smoker

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

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $70/2 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $100,000

3 Beds, 3 Bath 1740 sqft Rental Property Constructed In 1976 with Carpet over wood flooring, Tile Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

28 Years old Single Female who has a Full Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

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

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $340/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $170,000

4 Beds, 4 Baths 2680 sqft Seasonal Residence Constructed In 2012 with Hardwood Flooring, Shingles Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Central Air Conditioning, Indoor Sprinklers, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Divorced Female who is a Freelancer with household income of $25-50,000 and has No Pets and is a Non-Smoker

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

  • 650-699 Credit Score

  • Seniors staying at home

Litchfield, IL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
62056 $85,200 $730

Litchfield Rates & Quotes Analysis:

Litchfield Area Estimated House Insurance
N Monroe St, N Harrison St, Phillips Trl, E Columbian, A St, N Jefferson St, Greens Ave, N Adams St, Chestnut St, Locust St$737
Suits Ln, Kirk Dr, S Brown St, Westwood Dr, Co Rd 1125 N, E Martin St, Park Rd, Elevator Rd, McKinley Ave, Farm Trl$758
Interurban Cir, W Chapin St, Sallee Ave, Co Rd 50 N, W Sargent St, Dog Ln, S Adams St, Mt Olive Trl, Clear Spring Ln, Rocky Hollow Trl$733
Burnap St, Scherer St, Commercial St, W County Line Rd, S Clinton St, Co Rd 600 E, Co Rd 1075 N, Water St, Hartke Ln, Co Rd 295 E$737
Co Rd 650 E, E Hauser St, Co Rd 1350 N, Co Hwy 14, Gerdes Ln, Co Rd 400 E, E Park Pl, Lark Trl, Waresgrove Ave, N Maple St$720

Insurance rates are influenced by a number of factors including:

  • Year Built: 960 Homes (27% of total) built between 1939 or earlier in Litchfield are paying home insurance between $1,542-$1,553 and differs from North Litchfield (+$17), Honey Point (+$40), Butler Grove (+$84), Panama (-$22) and Sorento (-$24).
  • Bedrooms: 1,582 3 bedrooms homes (45% of total homes ) in Litchfield are paying about $672 and differs from North Litchfield (+$7), Honey Point (+$16), Butler Grove (+$36), South Litchfield (-$5) and Montgomery County (-$6).
  • Auto Insurance Bundling: 960 Households (45% of all households) in Litchfield have 2 vehicles available and when it is bundled with home insurance you can save $144. Discounts for similar bundling in close by locations such as North Litchfield, South Litchfield, Honey Point come to $146, $143, $147 respectively.
  • Senior Discounts: 1,134 seniors (more than 55 years) occupied housing units (54% of total) in Litchfield get discounts between $107 to $110 compared to North Litchfield ($109), South Litchfield ($107), Honey Point ($110).
  • New Homes discounts: New homes such as the 1,184 homes built between 2000 to 2009 in Litchfield can save $144 in contrast with North Litchfield ($146), South Litchfield ($143), Honey Point ($147).

Litchfield Homeowners insurance Facts

  • Litchfield, IL has 2,097 owner occupied houses which is 64.6% of all units whereas North Litchfield, South Litchfield and Honey Point have 72.26%, 62.46% and 75.0% respectively.
  • Litchfield, IL homeowners yearly insurance price at $722 is 0.92% of the typical house value of $78,500 which is in contrast with 0.77% in North Litchfield, 1.03% at South Litchfield & 0.64% in Honey Point.
  • Homeowners in Litchfield, IL pay 0.96% of their income ($75,000 or more) in insurance whereas homeowners in North Litchfield, South Litchfield and Butler Grove pay 0.97%, 0.96% and 1.01% respectively.
  • Litchfield, IL’s insurance is 6.4% of monthly housing costs of $948/month, for owners with a mortgage compared to 5.63% in North Litchfield, 7.22% at South Litchfield & 5.67% in Butler Grove. But, for households without a mortgage, insurance is 15.8% of costs ($381 in Litchfield, IL) in contrast with 14.28% in North Litchfield, 17.37% at South Litchfield & 11.49% in Butler Grove.

Litchfield, IL Home Values & Insurance rates

For example, insurance for 176 Homes (8.0% of total homes ) valued between $70,000 to $79,999 in Litchfield, IL is about $685. Rates in nearby areas in such as North Litchfield, Butler Grove, Zanesville are cheaper by $109, $335, $178 respectively while South Litchfield and Lake Ka-Ho are costlier by $82 and $296 respectively for similar homes.

Litchfield, IL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 381 18.0% $223
$50,000 to $59,999 278 13.0% $476
$60,000 to $69,999 240 11.0% $592
$70,000 to $79,999 176 8.0% $685
$80,000 to $89,999 192 9.0% $779
$90,000 to $99,999 160 7.0% $873
$100,000 to $124,999 174 8.0% $1010
$125,000 to $149,999 140 6.0% $1263
$150,000 to $174,999 134 6.0% $1494
$175,000 to $199,999 49 2.0% $1718
$200,000 to $249,999 70 3.0% $2072
$300,000 to $399,999 57 2.0% $3212

Renters Insurance in Litchfield

  • Average Renters Insurance in Litchfield :  $237($19/month)

  • Median Gross Rent in Litchfield :  $616

  • Litchfield Renters Insurance to Median Rent Ratio:  3.08%

  • Average household size of renter-occupied unit :  2.13

Litchfield Renters Insurance as a Percentage of Rent

Litchfield Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 46 4.0% $359
$200 to $299 70 7.0% $809
$300 to $499 176 18.0% $1259
$500 to $749 456 47.0% $1934
$750 to $999 188 19.0% $2684
$1,000 to $1,499 11 1.0% $3809
$1,500 or more 23 2.0% $5459

Rent Affordability in Litchfield:

Approximately 47.0% (546) of households are spending more than 35% of their income on gross rent in Litchfield

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 84 7.0%
15.0 to 19.9 percent 125 10.0%
20.0 to 24.9 percent 129 11.0%
25.0 to 29.9 percent 199 17.0%
30.0 to 34.9 percent 66 5.0%
35.0 percent or more 546 47.0%

Protective device discount in Litchfield Up to :  $35

Claims-free discount in Litchfield Up to :  $47