Morris Insurance Rates:

Morris, IL home insurance is about $658 to $896, about $54-$74/month. Our comprehensive guide shows customers can save as much as $310 by comparing many quotes

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Morris Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $240/1 month for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $440,000

5 Beds, 5 Baths 4850 sqft Seasonal Residence Constructed In 2014 with Wood Flooring, Metal Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Swimming Pool, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 500-549 Credit Score

Home Insurance Rate of $500/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $225,000

3 Beds, 3 Baths 2180 sqft Seasonal Residence Constructed In 1946 with Carpet Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Smoke Alarm, Fireplace, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Married Male who has a Full Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $70/1 month for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $190,000

2 Beds, 2 Bath 1500 sqft Vacation Property Constructed In 2010 with Wood Flooring, Metal Roof, Piers Foundation, Stone Siding, Stucco Construction. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

25 Years old Single Male who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $680/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $150,000

2 Beds, 2 Bath 1650 sqft Rental Property Constructed In 1949 with Carpet Flooring, Tile Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Divorced Female who is Retired and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $860/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $330,000

5 Beds, 5 Baths 2660 sqft Seasonal Residence Constructed In 1940 with Hardwood Flooring, Metal Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Central Air Conditioning, Deadbolt Locks, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

51 Years old Married Female who is Unemployed 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

Home Insurance Rate of $540/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $300,000

4 Beds, 4 Baths 3070 sqft Rental Property Constructed In 1991 with Ceramic Tile Flooring, Membrane Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Smoke Alarm, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

70 Years old Married Male 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 :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $50/1 month for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $150,000

2 Beds, 2 Bath 1380 sqft Vacation Property Constructed In 2014 with Carpet Flooring, Membrane Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Copper Water Pipes, Deadbolt Locks, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Married Female who is a Freelancer with household income of $75-$100,000 and has 2 Pets and is a Non-Smoker

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

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $440/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $210,000

4 Beds, 4 Baths 2280 sqft Rental Property Constructed In 1994 with Wood Flooring, Shingles Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Fireplace, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Single Male who is a Freelancer with household income of $75-$100,000 and has More than 3 Pets at home and is a Non-Smoker

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

  • 550-599 Credit Score

Home Insurance Rate of $140/2 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $275,000

4 Beds, 4 Bath 2770 sqft Vacation Property Constructed In 2002 with Linoleum, Composition Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, Fire Extinguisher, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

30 Years old Divorced Female who has a Full Time Job with household income of more than $150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $390/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $365,000

4 Beds, 4 Bath 2810 sqft Seasonal Residence Constructed In 1993 with Stone Flooring, Composition Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Smoke Alarm, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

63 Years old Single Male who is a Freelancer with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

Morris, IL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
60450 $203,300 $790

Morris Rates & Quotes Analysis:

Morris Area Estimated House Insurance
Lisbon St, Conley Rd, School St, N Gorman Rd, Lynwood Dr, E Jackson St, S Kinsman Rd, Co Rd 6000 E, Benson Rd, Prairie Rose Dr$800
Foxboro Dr, Lisbon Rd, Fairview Ave, E McArdle Rd, Bluestem Ct, Peterson Dr, Acorn Dr, N Washington St, Glenwood Ln, E Carper Rd$765
Goold Park Dr, Millington Rd, Raintree Ct, Buffalo Rd, N 2nd Ave, Co Rd 1, Jacqueline St, Westwood Dr, Co Rd 6000 W, Chestnut Ln$802
Stavanger Rd, Crabapple Ln, E Clark St, N Prairie Dr, Cedarwood Ct, Claypool St, Co Rd 9000 N, Coneflower Cir, Mc Ardle Rd, Gracie Sq$763
Scott Cir, Belmont Dr, W 3rd St, Geri Ln, Richie Rd, Co Rd 4000 W, Porto Dr, E Chickory Ln, W 5000 N Rd, Stockdale Rd$796

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,140 Homes (19% of total) built between 1939 or earlier in Morris are paying home insurance between $1,664-$1,675 and varies from Saratoga (+$26), Wauponsee (+$34), Erienna (+$69), Grundy County (-$10) and Goose Lake (-$14).
  • Bedrooms: 2,431 3 bedrooms homes (41% of total homes ) in Morris are paying about $715. Areas near to Morris such as Saratoga, Wauponsee, Erienna are costlier by $13, $15, $31 respectively whereas Goose Lake and Carbon Hill are more economical by $5, $6 respectively for similar homes.
  • Auto Insurance Bundling: 729 Households (23% of all households) in Morris have 3 or more vehicles available and when it is bundled with home insurance you can save $194. Discounts for similar bundling in close by locations such as Saratoga, Wauponsee, Erienna come to $197, $198, $202 respectively.
  • Senior Discounts: 1,365 seniors (more than 55 years) occupied housing units (43% of total) in Morris get discounts between $115 to $117. The comparative concessions in proximate regions such as Saratoga, Erienna and Grundy County are $118, $121 and $116 respectively.
  • New Homes discounts: New homes such as the 2,596 homes built between 2000 to 2009 in Morris can save $155 and differs from Saratoga ($158), Wauponsee ($158), Erienna ($162).

Morris Homeowners insurance Facts

  • Morris, IL has 3,163 owner occupied houses which is 60.1% of all units whereas Saratoga, Wauponsee and Erienna have 65.85%, 91.44% and 86.71% respectively.
  • Morris, IL homeowners yearly insurance price at $777 is 0.4% of the typical house value of $194,000 which is in contrast with 0.35% in Saratoga, 0.35% at Wauponsee & 0.31% in Erienna.
  • Homeowners in Morris, IL pay 1.83% of their income ($40,000 to $44,999) in insurance whereas homeowners in Saratoga, Wauponsee and Erienna pay 1.86%, 1.87% and 1.91% respectively.
  • Morris, IL’s insurance is 3.8% of monthly housing costs of $1,688/month, for owners with a mortgage compared to 3.73% in Saratoga, 3.95% at Wauponsee & 2.87% in Erienna. But, for households without a mortgage, insurance is 11.5% of costs ($561 in Morris, IL) in contrast with 10.27% in Saratoga, 11.28% at Wauponsee & 9.52% in Erienna.

Morris, IL Home Values & Insurance rates

For example, insurance for 42 Homes (1.0% of total homes ) valued between $70,000 to $79,999 in Morris, IL is about $295. Rates in nearby areas in such as Aux Sable, Big Grove, Newark are cheaper by $14, $35, $20 respectively while Grundy County and Felix are costlier by $14 and $34 respectively for similar homes.

Morris, IL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 54 1.0% $93
$70,000 to $79,999 42 1.0% $295
$90,000 to $99,999 61 2.0% $372
$100,000 to $124,999 329 11.0% $435
$125,000 to $149,999 203 6.0% $543
$150,000 to $174,999 528 17.0% $644
$175,000 to $199,999 408 13.0% $745
$200,000 to $249,999 748 25.0% $901
$250,000 to $299,999 252 8.0% $1103
$300,000 to $399,999 305 10.0% $1398

Renters Insurance in Morris

  • Average Renters Insurance in Morris :  $123($10/month)

  • Median Gross Rent in Morris :  $849

  • Morris Renters Insurance to Median Rent Ratio:  1.18%

  • Renter occupied housing units in Morris :  2,100

Morris Renters Insurance as a Percentage of Rent

Morris Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 92 4.0% $780
$300 to $499 250 12.0% $1230
$500 to $749 302 14.0% $1905
$750 to $999 700 34.0% $2655
$1,000 to $1,499 597 29.0% $3780
$1,500 or more 102 4.0% $5430

Rent Affordability in Morris:

Approximately 37.0% (792) of households are spending more than 35% of their income on gross rent in Morris

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 275 13.0%
15.0 to 19.9 percent 158 7.0%
20.0 to 24.9 percent 394 18.0%
25.0 to 29.9 percent 357 17.0%
30.0 to 34.9 percent 124 5.0%
35.0 percent or more 792 37.0%

Morris Renters Insurance Discounts:

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

Number of Vehicles in Morris, IL Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 1,095 52.0% $12.3
2 vehicles available 454 21.0% $18.45
3 or more vehicles available 179 8.0% $24.6

Morris Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 119 5.0% $84
60 to 64 years 125 5.0% $67
65 to 74 years 98 4.0% $55
75 years and over 304 14.0% $42

Protective device discount in Morris Up to :  $18

Claims-free discount in Morris Up to :  $24