Bloomington, IL Home Insurance - Analysis On Quotes, Rates & Agents

Bloomington, IL Insurance Rates:

The average cost of home insurance in the U.S. is $1,438. But, the cost of home insurance in a specific region depends on various factors including Zip Code, age, and value of the house, construction time, etc. The average cost of insurance in Bloomington, IL is $821 Enter your Zip Code in the banner below to get instant home insurance quotes. vHomeInsurance undertook a detailed analysis of the cost of insurance in Bloomington, IL.

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Average Home Insurance Premium in Bloomington, IL

National Average Premium State Average Premium Bloomington Average Premium
$1,438 $850 $821

Top Home Insurance Companies in Bloomington, IL | Back to Top

The following is a list of home insurance companies that provide the best home insurance quotes in Bloomington, IL

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Liberty Mutual $839 $1,007 $1,309 $1,807
Aaa $1,288 $1,546 $2,009 $2,773
Lm General $879 $1,055 $1,371 $1,892
Allstate $1,099 $1,319 $1,715 $2,367

Bloomington, IL Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 572.87
$150,000 To $174,999 743.02
$175,000 To $199,999 877.58
$200,000 To $249,999 1,000.99
$250,000 To $299,999 1,491.91
$300,000 To $399,999 1,953.28
$400,000 To $499,999 2,392.08
$500,000 To $749,999 3,061.87
$750,000 To $999,999 3,540.28
$1000,000 To $1499,999 3,899.1
$1500,000 To $2000,000 4,186.15

Visual Guide for Bloomington, IL Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Bloomington, IL | Back to Top

Home Insurance Company Near Bloomington, IL Homeowners Insurance Agency Near Bloomington, IL Address
State Farm Corey North 22955 Grosenbach Rd, Washington, IL, 61571-9215
Travelers Ledgestone Insurance Group Inc 122 S Main Street, Morton, IL, 61550
State Farm Rich Dierker 429 S Main St, Creve Coeur, IL, 61610
Liberty Mutual Independent Wyman Group 230 SW ADAMS ST STE 501, PEORIA, IL, 61602

List of Bloomington, IL Home Insurance Agents by Companies

Bloomington, IL Homeowners Insurance Rates Based on Claims Filed | Back to Top

Homeowners in Bloomington, IL who have no previous history of claims filed are eligible for a discount of $114.94. Homeowners in Bloomington, IL with one claim have to pay an additional home insurance rate of $74, while homeowners with 2 claims have to pay an additional $107 on their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -115 706
One Claim +74 895
Two Claim +107 928

Bloomington, IL Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
61704 199,300 832
61701 115,200 796

Factors Affecting Home Insurance Premiums in Bloomington, IL

The average home insurance premium in Bloomington, IL is $821. There are various factors in Bloomington, IL that affect home insurance premiums. vHome Insurance lists the factors that could help homeowners reduce their home insurance rates.

Bloomington, IL Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 683
3 Bedroom 732
4 Bedroom 1,122
5 Bedroom 2,195

Bloomington, IL Home Insurance Premiums for Different Deductibles | Back to Top

Bloomington, IL Homeowners who pay a deductible of $500 pay a higher amount for home insurance, while Bloomington, IL homeowners who pay a deductible as high as $2500 pay a lower amount on their home insurance rates, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 811
$1000 Deductible 734
$1500 Deductible 691
$2000 Deductible 627
$2500 Deductible 589

Bloomington, IL Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Bloomington, IL pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 640
Year 30 Old 833
Year 40 Old 842
Year 50 Old 852
Above Year 50 860

Bloomington, IL Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 82 739
Masonry 41 780
Brick 41 780
Superior 74 747
Hail Resistant Roof 16 805

Top Saving Tips on Bloomington, IL Homeowners Insurance | Back to Top

Homes that are built using sturdy materials have less propensity to damage. Owing to this, Bloomington, IL homes built with sturdy materials earn discounts on homeowners insurance. Bloomington, IL homeowners who have clubbed their auto insurance policy with home insurance also receive discounts from home insurance companies. Apart from this, home insurers provide discounts to Bloomington, IL senior citizens. Bloomington, IL homes attract a considerable amount of discounts depending on the type of home safety devices installed in the household.

The tables below contain the complete list of discounts that Bloomington, IL homeowners can avail to increase their savings.

Bloomington, IL Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 140 681
Retiree Discount (Senior Citizen Discount) 115 936
Newly Constructed Home 181 640

Bloomington, IL Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 99 722
Fire Extinguishers 74 747
Smoke Detectors 74 747
Sprinkler System 49 772
Fire Alarm 66 755
Burglar Alarm 74 747
Lightning Protection 33 788

Latest Home Insurance Reviews

Farmer's Insurance
The deductible for my policy is $500 which is not out of line its low cost out of pocket and the policy will cover fire and water damage as well as everything else.
State Farm
Our State Farm premium seems comparible to other companies. We have chosen a little bit higher deductible because I don't feel we will submit a claim very often in our lifetime.
The policy in total doesn't cost much, yet it covers everything important i own so i don't have to worry.
Our insurance agent sent us home insurance quotes from several insurance companies.Progressive had the lowest rate with the best coverage.
Erie Insurance
I do not know how Erie's home insurance policy offerings compare with those of other carriers. I have been with Erie for 15 years, and I no longer shop for insurance annually.
State Farm
I would recommend State Farm for home insurance because their method of service is always reliable and the ability to always reach someone is also always readily available.
The customer service from Geico is amazing and excellent. I have been a customer for over 30 years and the customer service gets better every year. They respond within an hour to any emailed questions or problems.
State Farm
The premiums and deductible are able to be adjusted based on your needs. the also have discounts available. to assit on the premiums for combining types of insurance
American Family Insurance
I am mostly recommend for Home Insurance many helpful for insurance policy in my life and saving them whole family so I am satisfied completely to prefer to most of people important home insurance policy.
helpful website featuring industry-best educational resources, a quick and easy quoting process, and a stellar mobile app where you can view your policy, pay your bill, and file claims
I think my home insurance policy offerings are standard compared to other insurance companies. My home insurance company offers flood, fire, theft and natural disaster insurance. I think it is okay.
State Farm
The hours are perfect with our busy work schedule. they are even open on saturday for our needs. i would indeed tell family and friends.
State Farm
State farm has excellent ratings and seems to be very dedicated to assisting a client with all aspects of the insurance process from purchasing the policy through renewal and claims.
Farmer's Insurance
I don't dislike my insurance company since I have never had a bad experience with them at all.
Everyone wants to pay less, but what bothers me the most is that it keeps going up every year. It would be nice if it stayed the same or decreased one of these times.
State Farm
The one time I had to talk to the guy when I got a dog, I left a message and he got back to me right away. He sends me a magnetic thing for my fridge each year with his name and phone number on it. He's a pleasant person. I've had no problems with the company, but that could be because I have never filed a claim.
State Farm
I would rate the company's customer service very high. Any time I have ever had an issue they were extremely nice and helpful. I tend to ask a lot of questions and they have always been very patient with me.
Erie Insurance
i dislike that when i have had to call them with a question about my policy it took quite a while to be connected with someone.
Farmer's Insurance
A smaller insurance company means more personalized service, they know who I am, and are easy to work and communicate with. I get my insurance packet in a timely fashion each year, and take advantage of bundling my car insurance with them as well.
They offer all that we need and more. The prices are fair and we feel comfortable with the rates. We are happy with the company because they are honest on what we actually need.
State Farm
My premium and deductible was met and was not very high at all. I was completely satisfied and have recommended this company to many people.
Homesite Insurance
Homesite homeowners insurance seems like a solid company. They have competitive premiums and have an intuitive website. They seem like a solid company.
I would recommend Geico, they have good customer service and fair premiums. You can also combine with your auto insurance which is convenient.