Rockford, located in Illinois, is also known as a forest city. You will find many compelling sites in this scenic community, including Anderson Japanese Gardens, Klehm Arboretum, and Tinker Swiss Cottage. Rockford is home to around 1,78,427 residents. There's a famous saying which says - "a home is where the heart is, whether purchased or at rent. What's inside your home is precious to you". Therefore, you must protect your home from all the perils, including water, fire, and theft. This requires a comprehensive homeowners insurance policy.

The average homeowners insurance rate in Rockford, IL, is $628. Numerous factors affect the cost of insurance, including the house's value, coverage type, deductible, age of the home, claims history, and materials used to build your home. However, homeowners can take advantage of available discounts to lower their home insurance costs.

Check out the discounts available for Rockford homeowners.

Insurance Cost based on the Materials used

Materials used to build the home plays an essential role in signifying the home insurance rates in Rockford, IL. The materials used to construct your home can increase or decrease the insurance premium amount. For example, if you decide to build a house using hail-resistant roofing material, the premium amount charged would be $616 in Rockford, IL. But if you use Masonry or Fire resistive Brick, the price would be $597 and $541, respectively. In order to save money on premiums, use high-quality materials for building purposes.

Refer to the table below to understand the applicable home insurance rates based on the materials used in Rockford, IL.

Insurance Cost based on the Security features

Home security systems help protect residents from theft and damages. Homes equipped with advanced security features pay lower premiums on home insurance. This is because homes with advanced-level security features are less likely to be burglarized and damaged, so homeowners insurance companies offer discounts as incentives. For instance, homes with burglar alarms or lightning protection systems pay $571.48 and $615.44 on homeowner's insurance in Rockford, Illinois.

Insurance Cost based on the House age

House age is one of the most influential factors in determining the cost of home insurance in Rockford, IL. Old homes of 30-40 years old pay premiums of $638 and $645, respectively. Whereas newly built homes get discounts as they are less prone to damages. Therefore, they pay an insurance premium of $453.