Alton Insurance Rates:

Alton, IL homeowners insurance is about $616 to $834, about $51-$69/month. Our comprehensive analysis shows customers can save as much as $290 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
I had to put in and process a small claim once it was handled in a very proper and professional manner.
Nationwide
After the roof was fixed, an insurance agent did another estimate on of our house and i was disappointed to find my premium had increased exponentially.
American Family
I had a very negative experience when it came to filing a claim. the company sent an inexperienced adjuster to my home to access a claim and he did not have the knowledge to provide an accurate claim value.
State Farm
Insurance companies are all the same. The reason they advertise so much is that there really is no difference and they have to convince you that there is. I'm not likely to change since it's a pain to save a dollar a month or whatever it might be.
Nationwide
I rate Nationwide on a scale of 4. One reason I believe is that the rates could be lowered just a bit in my zip code area.
Travelers
In the first place, I haven't had too many problems with my companies insurance. I, therefore, have limited exposure to their customer service. A while ago, we had a storm that caused damage and I considered filing a claim. I called them and they were very professional.
Allstate
The website is easy to use. Everything is very straightforward and easy to find what I need.

Alton, IL Homeowners Insurance By Home Value

Alton, IL Home Value Total Homes % of Total Average Alton, IL Homeowners Insurance
Less than $50,000 1,300 18.0% $210
$50,000 to $59,999 420 5.0% $442
$60,000 to $69,999 748 10.0% $551
$70,000 to $79,999 632 8.0% $638
$80,000 to $89,999 925 13.0% $725
$90,000 to $99,999 789 11.0% $804
$100,000 to $124,999 856 12.0% $935
$125,000 to $149,999 514 7.0% $1167
$150,000 to $174,999 383 5.0% $1384
$175,000 to $199,999 201 2.0% $1595
$200,000 to $249,999 242 3.0% $1921

Top Home Insurance Agents Near Alton, IL

Home Insurance Company Near Alton, IL Homeowners Insurance Agency Near Alton, IL Address
Allstate Dean Schuepbach 1326 Mercantile Dr, Highland, IL, 62249
Travelers Insurance Source Inc 4111 Telegraph Rd Ste 200 Saint Louis, St Louis, MO, 63129
Allstate Jennifer Ladd Dabbs 300A N Wood River Ave, Wood River, IL, 62095
Liberty Mutual Independent K. Flynn Insurance Agency Inc. 112 PROFESSIONAL PKWY, TROY, MO, 63379
Farmers Michael Mike Beiser 1830 Jeffco Blvd Unit A, Arnold, MO, 63010

Cost Of Homeowners Insurance By Street Near Alton, IL

Streets in Alton Area Homeowners Insurance Cost
Holland St, E Front St, Brigantine Cir, Co Rd 52, Millie Ln, Warren St, Hoffmeister St, Crawford St, Pear St, Harris Ln$770
Tolle Ln, Magnolia Pl, Truman St, Allbright Ct, Jersey St, Coronado Dr, W 17th St, Charlotte Ct, Claire Ave, Timbercrest Dr$736
Bell St, E 12th St, Jamaica Dr, Emmie L Kaus Ln, Wickway Dr, Lake St, Wenzel Rd, Hy Vista Dr, Fosterburg Rd, Martin Luther King Blvd$765
Kirsch St, Stiritz Ln, S Rodgers Ave, Alton Commerce Pkwy, Zimmerman Rd, Cardot St, E Roosevelt Dr, Omega St, Crossroads Dr, Danforth St$723
Illini Trl, Colman Trl, W Mather St, Parker St, Wisconsin Ave, E 9th St, Asbury Ln, Runyan St, US Hwy 67, Overhill Pl$723
Deerfield Cir, Barbados Dr, Agnes St, Florida Ave, Mills Ave, Waikiki Dr, Karen Ct, E Pelot Ln, Mounier St, Holland St$769
Godfrey Rd, W Broadway, Oak Dr, Keene St, Elizabeth St, Fairmount Ave, Wyss Ave, Montgomery St, E 14th St, Mack St$725
Dry St, State Rte 100, E 17th St, Unnerstall Trl, Sparks St, Hayden St, Corner Ct, Jackson St, Shaw Ave, County Line Rd$745
Hand Dr, Thumper Ct, Clara Dr, Merchant St, Drea Ct, Nelder Dr, Buckmaster Ln, McPherson Ave, Playground Ct, Charlene Ct$726
Voumard Ln, Henrietta Ave, W 10th St, Lawrence St, Blu Fountain Dr, Arch St, Muny Vista Ct, Rock St, W Victor Dr, Clover Dr$728

Alton, IL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Alton$108 to $110
East Alton$108
West Alton$146
Wood River$109

Alton, IL Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
East Alton village, Illinois $90 $120 $180
West Alton city, Missouri $122 $163 $244
Wood River township, Madison County, Illinois $91 $121 $182

Alton, IL Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Alton, IL6.2%16.1%
East Alton5.65%14.81%
West Alton7.29%21.52%
Wood River5.4%14.96%

Alton Renters Insurance as a Percentage of Rent

Alton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 117 2.0% $357
$200 to $299 226 5.0% $807
$300 to $499 649 16.0% $1257
$500 to $749 1,160 29.0% $1932
$750 to $999 1,376 35.0% $2682
$1,000 to $1,499 388 9.0% $3807

Alton, IL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$1,900
Yearly Alton Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$900$1,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,500$5,900
Net Savings to Alton Home Owner from High Deductible Plan $600

Alton, IL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Alton, IL Home Replacement Value MORE than Home Value Alton, IL Home Replacement Value LESS than Home Value
Replacement Value $93,000 $60,000
Insurance Premium based on Replacement Value $500 $325
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $22,500 Risk Exposure from Under Insuring Coverage is $10,500
Premium Impact Insurance cheaper by $50/year Insurance costlier by $125/year

Example Alton Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyLiberty MutualChubb Group of Insurance
Monthly Premium 453448
Year Built 197619591944
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $100000-$125000$75000-$100000$175000-$200000
Deductible $500 Deductible$1000-$2500 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Alton, IL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1952 95,000 Tile Roof 1,590 2 $500 Deductible 350 9 Brick siding yes
1945 235,000 Composition Roof 3,320 4 $5000 to $10,000 Deductible 150 3 Fiber-Cement Siding No
1968 210,000 Tile Roof 3,320 4 $5000 to $10,000 Deductible 280 4 Stucco siding No
1968 100,000 Composition Roof 1,780 2 $1000-$2500 Deductible 180 4 Stucco siding yes
1964 80,000 Slate Shingles Roof 1,080 2 $1000-$2500 Deductible 230 7 Vinyl siding yes
1943 85,000 Asphalt Shingles Roof 1,130 2 $2500-$5000 Deductible 90 4 Fiber-Cement Siding yes
1970 180,000 Asphalt Shingles Roof 3,210 4 $500- $1000 Deductible 160 2 Wood siding yes
1958 95,000 Wood Shake Roof 1,770 2 $500- $1000 Deductible 70 2 Vinyl siding yes
1966 230,000 Asphalt Shingles Roof 3,310 4 $500- $1000 Deductible 430 5 Fiber-Cement Siding No
1976 100,000 Slate Shingles Roof 1,810 4 $500- $1000 Deductible 110 4 Vinyl siding No
1976 190,000 Membrane Roof 3,130 4 $500- $1000 Deductible 250 5 Stone Siding yes
1952 205,000 Composition Roof 3,040 4 $5000 to $10,000 Deductible 240 5 Brick siding No
1942 135,000 Asphalt Shingles Roof 1,940 3 $1000-$2500 Deductible 230 6 Stucco siding yes
1977 140,000 Tile Roof 2,330 3 $2500-$5000 Deductible 420 8 Fiber-Cement Siding No
1973 90,000 Asphalt Shingles Roof 1,650 4 $500 Deductible 430 10 Fiber-Cement Siding yes
1972 125,000 Slate Shingles Roof 1,690 3 $2500-$5000 Deductible 210 6 Vinyl siding yes
1967 110,000 Metal Roof 1,620 2 $1000-$2500 Deductible 290 5 Wood siding No
1959 85,000 Shingles Roof 1,440 2 $500- $1000 Deductible 300 10 Stone Siding yes
1970 75,000 Membrane Roof 1,170 2 $1000-$2500 Deductible 40 2 Fiber-Cement Siding No
1949 140,000 Metal Roof 2,580 4 $500 Deductible 120 2 Wood siding No
1949 85,000 Shingles Roof 1,160 2 $500 Deductible 240 7 Fiber-Cement Siding yes
1977 115,000 Wood Shake Roof 1,590 3 $500 Deductible 300 7 Vinyl siding No
1957 105,000 Shingles Roof 2,000 4 $2500-$5000 Deductible 30 1 Wood siding yes
1971 90,000 Tile Roof 1,440 3 $2500-$5000 Deductible 80 3 Fiber-Cement Siding yes
1965 90,000 Metal Roof 1,350 3 $2500-$5000 Deductible 130 6 Fiber-Cement Siding No
1964 110,000 Wood Shake Roof 1,620 2 $500 Deductible 320 7 Wood siding yes
1945 195,000 Shingles Roof 3,280 4 $500 Deductible 310 4 Stone Siding No
1972 160,000 Asphalt Shingles Roof 2,120 3 $5000 to $10,000 Deductible 120 3 Stone Siding No
1947 110,000 Asphalt Shingles Roof 1,800 3 $2500-$5000 Deductible 370 9 Stucco siding yes
1944 120,000 Slate Shingles Roof 2,130 3 $1000-$2500 Deductible 120 4 Brick siding yes
1970 105,000 Tile Roof 1,580 2 $500- $1000 Deductible 550 10 Brick siding No
1963 70,000 Slate Shingles Roof 1,340 2 $1000-$2500 Deductible 160 5 Stucco siding No
1954 90,000 Composition Roof 1,560 2 $2500-$5000 Deductible 140 5 Wood siding yes
1958 145,000 Asphalt Shingles Roof 2,090 4 $2500-$5000 Deductible 240 9 Vinyl siding No