Charleston Insurance Rates:

Charleston, IL homeowners insurance is roughly $621 to $845, about $51-$70/month. Our in depth guide shows customers can save as much as $293 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
It makes me feel more secure to have insurance. however, i have never made a claim and i am unsure what kind of service i would get if i did.
Liberty Mutual
In my opinion, one downfall of liberty in my experience is they seem to be lacking in the customer service department.
Homesite Insurance
One thing i don't like about home site is that i am unfamiliar with my policy because it is difficult to understand what is covered under my policy.
Progressive
I do not like that I cannot view my policy coverage online. I would like to view my entire policy with ease on the company website.
Aaa
SORRY, THERE IS NOT MUCH THAT I LIKE ABOUT ERIE INSURANCE. I LIKE THAT THEY DON'T SEND ENDLESS AND POINTLESS EMAILS OR COMMUNICATIONS NOT RELATING TO OUR POLICY. I LIKE THAT THEY ARE LESS EXPENSIVE THAN OTHER COMPANIES.
Safeco Insurance
I had a claim last year for some water damage. Safeco's customer service was good. They treated me respectfully. The claim was handled efficiently and fairly.
Allstate
I am satisfied with this company. The rates are probably higher than some other options, but I don't feel like searching or switching.
Aaa
It can be a pain to log onto their website. Also, you have to log in with your policy number and not a user or email address. I do not use the mobile app.
State Farm
My experience with my insurance company's customer service has been nothing short of excellence as they really do have the customers concerns as their top priority and helps guide you through the whole entire process of paying your bill and explaining your bill.
Liberty Mutual
I would recommend my company to anyone that has Geico for auto insurance. They have a multi-policy discount that is very nice.

Charleston, IL Homeowners Insurance By Home Value

Charleston, IL Home Value Total Homes % of Total Average Charleston, IL Homeowners Insurance
Less than $50,000 558 12.0% $175
$50,000 to $59,999 185 4.0% $373
$60,000 to $69,999 270 5.0% $469
$70,000 to $79,999 363 8.0% $542
$80,000 to $89,999 500 11.0% $608
$90,000 to $99,999 394 8.0% $681
$100,000 to $124,999 675 14.0% $791
$125,000 to $149,999 490 10.0% $989
$150,000 to $174,999 327 7.0% $1172
$175,000 to $199,999 200 4.0% $1356
$200,000 to $249,999 214 4.0% $1627
$250,000 to $299,999 200 4.0% $1986
$300,000 to $399,999 144 3.0% $2528

Top Home Insurance Agents Near Charleston, IL

Home Insurance Company Near Charleston, IL Homeowners Insurance Agency Near Charleston, IL Address
Travelers Siegert-Lees Insurance 28 E 2ND ST, PANA, IL, 62557
NA Loman-Ray Insurance Group Inc. 15 S Main Street Villa Grove, Villa Grove, IL, 61956
NA Killam & Englund Insurance Agency Inc 1502 W Main St, Shelbyville, IL, 62565
NA Wood Ins Agcy Inc 7 W Harrison St, Sullivan, IL, 61951
Erie Preston Insurance Agency 3795 N Woodford Street, Decatur, IL, 62526

Cost Of Homeowners Insurance By Street Near Charleston, IL

Streets in Charleston Area Homeowners Insurance Cost
Forrest View Dr, E Co Rd 350 N, S Tennessee St, Richmond Ave, A St, E Co Rd 2050 N, 330N, Co Rd 720 N, Harrison Ave, N Ohio St$736
N Co Rd 500 E, 2280E, W Jackson Ave, N Co Rd 2800 E, W Madison Ave, 1550E, Broadway St, E Blevins St, Co Hwy 5, 590N$735
Co Rd 2, E Co Rd 550N, W Harrison Ave, Persimmon Rd, Amber Ln, E Lincoln Hwy Rd, W Lincoln St, 210N, 12th St, 2nd St$742
E Co Rd 280 N, Edgewood Rd, E Co Rd 1300 N, Medley Ln, W Ashmore St, 2400E, Cosmos Ln, N Co Rd 1110 E, East St, Co Rd 1550 E$736
Teresa Dr, Reynolds Dr, N Co Rd 1850 E, E Co Rd 1170 N, Wilton Ct, Audrey Ln, N Co Rd 1800 E, Cahokia Ln, 1300N, E Co Rd 590N$742
Co Rd 960 N, Washington Ave, 1170N, 420N, 690N, N Co Rd 2080 E, E Co Rd 600 N, Co Rd 1130 N, N Co Rd 2600 E, Hazel St$735
2420 E, Commercial St, N 12th St, 100N, April Ln, Co Rd 550 N, 2100E, Maple Ave, 1650N, Walnut St$742
Prairie St, Fillmore Ave, N Co Rd 2270E, E 2nd St, Champaign Ave, N 2nd St, Taft Ave, State Park Rd, Lincoln Hwy Rd, 1400E$736
E Co Rd 1750 N, Co Rd 1050 E, N Co Rd 1820 E, Fox Lake Dr, W Hayes Ave, State Rte 316, Nantucket, A St, E Co Rd 1260 N, 1520 E$725
Yearling Ct, Greek Ct, Co Rd 2350 E, 1400E, W Coolidge Ave, 1950E, E Co Rd 690 N, Co Rd 620 E, Elm St, E Co Rd 1040 N$756

Charleston, IL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Charleston$109 to $112
Coles County$109
Lafayette$112
Lerna$107

Charleston, 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
Coles County, Illinois $109 $145 $218
Lafayette township, Coles County, Illinois $113 $150 $225
Hutton township, Coles County, Illinois $113 $150 $225

Charleston, 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
Charleston, IL5.5%13.5%
Coles County5.89%14.91%
Lafayette4.8%13.32%
Hutton3.9%11.23%

Charleston Renters Insurance as a Percentage of Rent

Charleston Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 103 2.0% $353
$200 to $299 116 2.0% $803
$300 to $499 728 18.0% $1253
$500 to $749 1,532 39.0% $1928
$750 to $999 695 17.0% $2678
$1,000 to $1,499 529 13.0% $3803
$1,500 or more 204 5.0% $5453

Charleston, IL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$1,800
Yearly Charleston Homeowner Insurance Premium Example $400$200
Out of Pocket Expense During Claim$800$1,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $4,000$3,400
Net Savings to Charleston Home Owner from High Deductible Plan $600

Charleston, IL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Charleston, IL Home Replacement Value MORE than Home Value Charleston, IL Home Replacement Value LESS than Home Value
Replacement Value $134,000 $96,000
Insurance Premium based on Replacement Value $700 $500
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $18,500 Risk Exposure from Under Insuring Coverage is $19,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $100/year

Example Charleston Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualErie InsuranceChubb Group of Insurance
Monthly Premium 594640
Year Built 198420011942
Home Details 5 Beds, 2 Baths4 Beds, 3 Baths3 Beds, 1 Baths
Coverage Amount $200000-$250000$125000-$150000$125000-$150000
Deductible $5000 to $10,000 Deductible$1000-$2500 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1941 125,000 Asphalt Shingles Roof 1,570 2 $500 Deductible 530 10 Stone Siding No
1960 165,000 Membrane Roof 2,140 3 $2500-$5000 Deductible 60 1 Fiber-Cement Siding No
2005 115,000 Composition Roof 1,430 3 $2500-$5000 Deductible 300 6 Stucco siding yes
1942 115,000 Wood Shake Roof 1,600 2 $1000-$2500 Deductible 290 6 Wood siding yes
1969 195,000 Metal Roof 3,250 4 $500- $1000 Deductible 90 1 Stucco siding No
2003 120,000 Slate Shingles Roof 1,690 5 $500 Deductible 170 5 Fiber-Cement Siding No
1978 85,000 Membrane Roof 1,380 3 $500- $1000 Deductible 80 2 Wood siding yes
1965 155,000 Shingles Roof 2,550 5 $5000 to $10,000 Deductible 310 7 Brick siding No
1969 105,000 Tile Roof 1,700 3 $500- $1000 Deductible 40 1 Stucco siding yes
1976 120,000 Metal Roof 1,870 4 $2500-$5000 Deductible 100 3 Brick siding No
1972 245,000 Asphalt Shingles Roof 3,760 5 $500- $1000 Deductible 450 5 Brick siding No
1946 245,000 Composition Roof 3,340 5 $500- $1000 Deductible 760 8 Brick siding No
1998 95,000 Asphalt Shingles Roof 1,600 4 $1000-$2500 Deductible 320 9 Stone Siding yes
2011 130,000 Shingles Roof 1,680 4 $500 Deductible 220 4 Brick siding yes
1982 215,000 Asphalt Shingles Roof 3,340 5 $1000-$2500 Deductible 840 12 Stucco siding yes
1978 160,000 Slate Shingles Roof 2,780 4 $1000-$2500 Deductible 650 12 Fiber-Cement Siding yes
2003 115,000 Slate Shingles Roof 1,540 2 $2500-$5000 Deductible 190 4 Fiber-Cement Siding No
1948 120,000 Composition Roof 1,430 2 $2500-$5000 Deductible 300 9 Vinyl siding No
1965 100,000 Wood Shake Roof 1,760 3 $500 Deductible 200 7 Wood siding No
1969 120,000 Membrane Roof 2,160 3 $1000-$2500 Deductible 40 1 Stucco siding No
2013 60,000 Membrane Roof 980 2 $2500-$5000 Deductible 120 8 Stucco siding No
2005 110,000 Tile Roof 1,640 2 $2500-$5000 Deductible 350 12 Fiber-Cement Siding yes
1948 220,000 Metal Roof 2,840 4 $1000-$2500 Deductible 440 8 Fiber-Cement Siding yes
1987 125,000 Membrane Roof 1,670 3 $2500-$5000 Deductible 90 3 Stone Siding No
2014 190,000 Membrane Roof 3,150 4 $2500-$5000 Deductible 330 5 Vinyl siding No
2008 100,000 Asphalt Shingles Roof 1,220 3 $500 Deductible 300 8 Vinyl siding No
1993 105,000 Wood Shake Roof 1,670 4 $1000-$2500 Deductible 220 6 Vinyl siding yes
2010 330,000 Asphalt Shingles Roof 4,160 5 $500 Deductible 1100 7 Brick siding yes
1972 135,000 Wood Shake Roof 2,450 5 $500- $1000 Deductible 640 10 Stone Siding No