Chatham Insurance Rates:

Chatham, IL homeowners insurance is nearly $645 to $878, about $53-$73/month. Our thorough analysis indicates shoppers can save upto $304 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Chatham, IL Homeowners Insurance By Home Value

Chatham, IL Home Value Total Homes % of Total Average Chatham, IL Homeowners Insurance
Less than $50,000 85 2.0% $114
$80,000 to $89,999 75 2.0% $396
$90,000 to $99,999 314 8.0% $441
$100,000 to $124,999 506 13.0% $510
$125,000 to $149,999 551 14.0% $640
$150,000 to $174,999 584 15.0% $762
$175,000 to $199,999 523 14.0% $876
$200,000 to $249,999 629 16.0% $1059
$250,000 to $299,999 152 4.0% $1295
$300,000 to $399,999 230 6.0% $1645

Top Home Insurance Agents Near Chatham, IL

Home Insurance Company Near Chatham, IL Homeowners Insurance Agency Near Chatham, IL Address
State Farm Chris Coyne 108 NW Race St PO Box 331, Atlanta, IL, 61723
Travelers Dimond Bros Insurance Llc 444 N Wall St, Macon, IL, 62544
Liberty Mutual Independent Mcclure Halberg Inc 125 W POPLAR ST, TAYLORVILLE, IL, 62568
State Farm Ron Mays 531 South Grand Ave E, Springfield, IL, 62703-2510
NA People's Insurance Agency Of Chandlerville, Inc. 120 Railroad Street, Chandlerville, IL, 62627

Cost Of Homeowners Insurance By Street Near Chatham, IL

Streets in Chatham Area Homeowners Insurance Cost
N Point Ct, Telluride, Garvey Ln, Green Meadow Ln, Emerald Rd, Harvest Blvd, S Old Route 66, Twin Oaks, W Hazel Dell, S 6th Street Frontage Rd W$777
Carlisle Bend, NW Hazel Dell Ln, N Lakewood Dr, 25 A West Rd, Pony Shoe Ln, Sweetbriar Ln, Goldenrod Dr, Jemi Ln, Ninebark Dr, Peachtree Dr$774
Jason Pl, Oak Ln, Lakewood Dr, E Lake Shore Dr, Rock Rd, Dusk Dr, Meadow View Ln, E Mulberry St, Ravina Dr, Clinton Rd$773
Lick Rd, Red Oak Ln, Sanctuary Park Rd, Teakwood Dr, W Lake Shore Dr, Dover Dr, Steeplechase Ln, Snell Rd, W Ash St, Fairview Ln$776
Greencastle Cir, Independence Blvd, Koa Rd, W Locust St, 75 A West Rd, Sarasota Ct, Ivy Glen Dr, Co Rd 1 3/4 W, N State Rte 4, N Taylor St$751

Chatham, IL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Chatham$113 to $116
Ball$116
Woodside$109
Curran$115

Chatham, 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
Ball township, Sangamon County, Illinois $97 $129 $194
Woodside township, Sangamon County, Illinois $91 $121 $182
Curran township, Sangamon County, Illinois $96 $127 $191

Chatham, 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
Chatham, IL4.3%12.4%
Ball3.96%9.62%
Woodside5.87%14.64%
Curran4.15%12.89%

Chatham Renters Insurance as a Percentage of Rent

Chatham Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 18 3.0% $1238
$500 to $749 105 18.0% $1913
$750 to $999 194 34.0% $2663
$1,000 to $1,499 203 36.0% $3788
$1,500 or more 39 6.0% $5438

Chatham, IL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,100$2,100
Yearly Chatham Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$1,100$2,100
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,500$6,900
Net Savings to Chatham Home Owner from High Deductible Plan $600

Chatham, IL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Chatham, IL Home Replacement Value MORE than Home Value Chatham, IL Home Replacement Value LESS than Home Value
Replacement Value $195,000 $137,000
Insurance Premium based on Replacement Value $1,050 $750
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $34,000 Risk Exposure from Under Insuring Coverage is $24,000
Premium Impact Insurance cheaper by $125/year Insurance costlier by $175/year

Example Chatham Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceNationwide InsuranceState Farm
Monthly Premium 4865123
Year Built 197920072012
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 1 Baths
Coverage Amount $125000-$150000$200000-$250000$400000-$500000
Deductible $1000-$2500 Deductible$2500-$5000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2003 180,000 Membrane Roof 1,980 3 $2500-$5000 Deductible 380 7 Wood siding yes
1988 180,000 Slate Shingles Roof 2,320 3 $1000-$2500 Deductible 60 1 Brick siding No
1974 160,000 Metal Roof 2,000 3 $5000 to $10,000 Deductible 100 2 Fiber-Cement Siding No
2013 290,000 Shingles Roof 3,340 4 $500- $1000 Deductible 620 5 Wood siding yes
1975 160,000 Wood Shake Roof 1,790 3 $500 Deductible 390 5 Brick siding No
2006 175,000 Wood Shake Roof 1,980 3 $500- $1000 Deductible 620 12 Stone Siding yes
2013 315,000 Wood Shake Roof 2,810 4 $5000 to $10,000 Deductible 360 5 Wood siding No
1989 125,000 Wood Shake Roof 1,620 4 $1000-$2500 Deductible 290 8 Wood siding No
1982 250,000 Membrane Roof 2,230 3 $2500-$5000 Deductible 160 2 Stone Siding yes
1970 180,000 Shingles Roof 2,010 4 $5000 to $10,000 Deductible 220 5 Fiber-Cement Siding No
2003 110,000 Asphalt Shingles Roof 1,220 3 $500 Deductible 730 12 Stone Siding yes
2013 285,000 Wood Shake Roof 2,790 4 $5000 to $10,000 Deductible 830 10 Stone Siding No
2003 215,000 Membrane Roof 1,960 4 $5000 to $10,000 Deductible 240 4 Stone Siding No
2011 155,000 Shingles Roof 1,560 3 $500 Deductible 980 12 Brick siding No
2005 435,000 Metal Roof 3,800 5 $500 Deductible 600 4 Brick siding No
1978 175,000 Slate Shingles Roof 2,280 3 $500 Deductible 440 8 Fiber-Cement Siding yes
1982 285,000 Tile Roof 2,870 4 $2500-$5000 Deductible 60 1 Stone Siding No
1988 210,000 Tile Roof 1,920 3 $5000 to $10,000 Deductible 320 6 Stucco siding yes
1987 115,000 Asphalt Shingles Roof 1,250 3 $1000-$2500 Deductible 400 10 Wood siding yes
2011 305,000 Membrane Roof 3,930 5 $1000-$2500 Deductible 840 8 Stucco siding No
1989 270,000 Wood Shake Roof 3,160 4 $5000 to $10,000 Deductible 310 4 Stucco siding yes
2000 225,000 Composition Roof 2,870 5 $1000-$2500 Deductible 90 1 Brick siding No
2004 285,000 Wood Shake Roof 3,370 5 $2500-$5000 Deductible 490 5 Stone Siding yes
1984 300,000 Membrane Roof 2,860 4 > $10,000 Deductible 230 5 Brick siding yes
1976 555,000 Asphalt Shingles Roof 4,900 5 $500- $1000 Deductible 1970 9 Fiber-Cement Siding yes
2005 115,000 Membrane Roof 1,340 3 $2500-$5000 Deductible 220 8 Wood siding yes
1974 335,000 Composition Roof 3,080 5 $500 Deductible 740 6 Stone Siding yes
1982 245,000 Wood Shake Roof 2,370 4 $500- $1000 Deductible 600 6 Wood siding yes
2014 220,000 Metal Roof 2,500 4 $500- $1000 Deductible 920 12 Stone Siding No
1978 170,000 Shingles Roof 2,200 4 $2500-$5000 Deductible 320 5 Fiber-Cement Siding yes
1980 240,000 Slate Shingles Roof 3,040 5 $500- $1000 Deductible 1030 10 Stucco siding yes
2004 250,000 Membrane Roof 2,360 4 $2500-$5000 Deductible 740 12 Stucco siding yes