Decatur Insurance Rates:

Decatur, IL homeowners insurance is approximately $613 to $832, about $51-$69/month. Our extensive analysis indicates shoppers can save upto $289 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Amica Mutual Insurance
I did a lot of research comparing different companies and Amica was the best choice for me. It offered every type of coverage I wanted at fair prices. I like my limits and deductibles.
State Farm
I believe State Farm was more affordable. We compared the cost to both Progressive and Allstate and State Farm was better. We also got a discount.
Progressive
The premium and deductible are comparable to what the market is offering for people in my position, age group, etc. Nothing too noteworthy in this scenario.
American Family Insurance
My premium was definitely more reasonable compared to other companies. It was roughly $300 less than that of the next comparable company with more options too.
State Farm
I had them before. now, i am hoping for better results. hurricane season is among us. i know i can count on them.
State Farm
Another thing i do not like about state farm insurance is the receptionists working there. they all seem to need further training.
State Farm
After doing much online research and comparison shopping, state farm offered the most reasonable rates for comprehensive coverage that was tailored to my needs.
American Strategic Insurance
I dislike that they can never provide answers quickly. It always takes one or two calls.
State Farm
Compare to other insurance companies the premium is low and we can trust completely without any hesitation. People all are in helping manner. Claim amount is given in fast mode without any delay and torture.
Farmer's Insurance
I have never had problems with service from my insurance company's agents. Having a human available work the best for claims.
State Farm
I dislike the fact that they keep raising my rates without an explanation in advance. They sometimes try to scare me into having insurance by telling other horror stories of clients that did not.
State Farm
The communication is great. they are very helpful in so many ways, I Would go to them with all my insurance needs
State Farm
They have good customer service so naturally, this part would also be great as well. I am really happy with the company and how they go about things.
Allstate
I would definitely recommend the company to other people because they have some amazing offers and are also available wheneber you need them to be there for you and address your concerns
Progressive
My premium and deductable are about the same as others in my area. i am pretty satisfied. My area does not rquire flood insurance but nearby areas do so my insurance is cheaper.

Decatur, IL Homeowners Insurance By Home Value

Decatur, IL Home Value Total Homes % of Total Average Decatur, IL Homeowners Insurance
Less than $50,000 5,125 26.0% $224
$50,000 to $59,999 1,370 7.0% $469
$60,000 to $69,999 1,818 9.0% $585
$70,000 to $79,999 1,544 7.0% $672
$80,000 to $89,999 1,625 8.0% $766
$90,000 to $99,999 1,360 6.0% $853
$100,000 to $124,999 2,322 11.0% $990
$125,000 to $149,999 1,559 8.0% $1236
$150,000 to $174,999 1,064 5.0% $1460
$175,000 to $199,999 625 3.0% $1691
$200,000 to $249,999 527 2.0% $2031
$250,000 to $299,999 220 1.0% $2479
$300,000 to $399,999 278 1.0% $3152

Top Home Insurance Agents Near Decatur, IL

Home Insurance Company Near Decatur, IL Homeowners Insurance Agency Near Decatur, IL Address
Travelers American Central Insurance Agency Inc 3300 HEDLEY RD, SPRINGFIELD, IL, 62711
State Farm Carole Brooker 2605 N Main St, Decatur, IL, 62526-3229
Travelers Gtps Insurance Agency 1311 S NEIL ST, CHAMPAIGN, IL, 61820
Travelers Herbord Insurance 132 S Water Street, Ste 527, Decatur, IL, 62523
Travelers Peterson Insurance Services Inc 117 W MAIN ST, CLINTON, IL, 61727

Decatur, IL Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Decatur, IL

Streets in Decatur Area Homeowners Insurance Cost
Diamond Head Ct, N Prospect Dr, E Stella Ct, Nordic Hills Dr, N Country Club Dr, Cresthaven Ln, Durfee St, Turner Dr, Gregory Ave, Woodland Acres$729
View St, Parkwood Pl, Houseland Ave, W Hillshire Rd, E Maryland Heights Rd, Lisa Dr, N Park St, White Pines Cir, E Geddes Ave, Eileen Dr$727
Watson Ct, Lake Fork Ave, Jennell Dr, Lantern Ln, County Line Rd, Larry Dr, Snyder St, Loma Dr, Timber Vw, N East County Line Rd$729
Rustic Vw, Haynes Dr, Wilder Ave, Nicklaus Ct, Spring St, N Macarthur Rd, Vicki Dr, E Baltimore Ave, Linden Ct, Raptor Ct$788
E Green St, Buckeye Ln, Briggs Rd, Eastmoreland Dr, Dunwood Ln, Allen Bend Dr, W Illiniwick Rd, Broadway St, Sangamon St, Washburn St$706
Gallagher Ct, N Pine St, N Camp St, N Clinton, Dogwood Ct, Illiniwick Rd, S Edgemoor Dr, E Dickinson Ave, Lake Grove Club, Thrush Ave$736
E Leafland Ave, E Marion St, Hunt St, E Maynor St, N Lowber St, Ash Ave, Hyde Park Dr, N Regina Rd, Montgomery St, N Dinneen St$749
Lowber St, N Redstart Dr, E Decatur St, Southside Country Club, S 20th St, Reeder Dr, Columbus Dr, Bay Shore Dr, Pearl St, S Dorenda St$703
Christopher Dr, E Court Dr, Fourth St, S 85th St, Short St, Emerson Ct, S Hilton St, Westland Rd, Sturgis Dr, West Dr$735
Northfield Dr, Parry Dr, Woodridge Ct, Oriole Dr, W Suburban Rd, E Prairie Ave, Clearmont Ave, S Calhoun St, E 1st Progress St, Malinda Ct$734

Decatur, IL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Decatur$108 to $110
Macon County$109
Hickory Point$111
Forsyth$118

Decatur, 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
Macon County, Illinois $91 $121 $182
Hickory Point township, Macon County, Illinois $93 $123 $185
Forsyth village, Illinois $99 $132 $198

Decatur, 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
Decatur, IL6.3%15.4%
Macon County5.75%14.75%
Hickory Point5.01%12.95%
Forsyth3.42%11.24%

Decatur Renters Insurance as a Percentage of Rent

Decatur Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 257 2.0% $358
$200 to $299 699 6.0% $808
$300 to $499 1,773 15.0% $1258
$500 to $749 4,641 41.0% $1933
$750 to $999 2,730 24.0% $2683
$1,000 to $1,499 791 7.0% $3808
$1,500 or more 288 2.0% $5458

Decatur, IL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$1,700
Yearly Decatur Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$700$1,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,900$7,300
Net Savings to Decatur Home Owner from High Deductible Plan $600

Decatur, IL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Decatur, IL Home Replacement Value MORE than Home Value Decatur, IL Home Replacement Value LESS than Home Value
Replacement Value $154,000 $109,000
Insurance Premium based on Replacement Value $700 $500
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $20,500 Risk Exposure from Under Insuring Coverage is $24,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $100/year

Example Decatur Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAllstateAmica Mutual Insurance Company
Monthly Premium 513252
Year Built 198219441957
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 3 Baths
Coverage Amount $100000-$125000$75000-$100000$100000-$125000
Deductible $500 Deductible$500- $1000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1949 155,000 Tile Roof 2,720 5 $5000 to $10,000 Deductible 40 1 Stone Siding No
1980 125,000 Slate Shingles Roof 2,250 4 $2500-$5000 Deductible 170 6 Stone Siding No
1947 95,000 Composition Roof 1,470 3 $2500-$5000 Deductible 220 7 Stucco siding yes
1970 85,000 Metal Roof 1,170 2 $1000-$2500 Deductible 200 7 Wood siding yes
1967 135,000 Asphalt Shingles Roof 2,310 4 $2500-$5000 Deductible 500 12 Brick siding No
1962 235,000 Wood Shake Roof 3,160 5 $2500-$5000 Deductible 60 1 Fiber-Cement Siding yes
1974 225,000 Shingles Roof 3,440 5 $2500-$5000 Deductible 490 6 Stone Siding yes
1962 110,000 Tile Roof 1,810 3 $500 Deductible 280 5 Stone Siding No
1977 100,000 Metal Roof 1,930 3 $500 Deductible 130 3 Stone Siding yes
1989 115,000 Slate Shingles Roof 1,680 2 $500 Deductible 370 9 Stone Siding yes
1958 190,000 Asphalt Shingles Roof 2,590 5 $2500-$5000 Deductible 500 9 Stucco siding No
1956 340,000 Wood Shake Roof 4,830 5 $2500-$5000 Deductible 730 8 Fiber-Cement Siding yes
1987 100,000 Composition Roof 1,410 2 $500 Deductible 290 8 Stucco siding No
1965 170,000 Slate Shingles Roof 2,670 5 $1000-$2500 Deductible 430 7 Brick siding yes
1947 180,000 Shingles Roof 2,400 4 $2500-$5000 Deductible 790 12 Brick siding yes
1976 165,000 Asphalt Shingles Roof 2,430 4 $500- $1000 Deductible 230 4 Fiber-Cement Siding No
1946 95,000 Asphalt Shingles Roof 1,630 4 $2500-$5000 Deductible 280 9 Fiber-Cement Siding No
1944 150,000 Slate Shingles Roof 2,310 3 $500- $1000 Deductible 570 10 Vinyl siding No
1976 170,000 Shingles Roof 2,340 3 $500- $1000 Deductible 380 6 Fiber-Cement Siding yes
1954 90,000 Slate Shingles Roof 1,350 2 $500- $1000 Deductible 180 6 Vinyl siding yes
1962 280,000 Wood Shake Roof 4,900 5 $2500-$5000 Deductible 410 7 Fiber-Cement Siding yes
1964 175,000 Wood Shake Roof 3,080 4 $5000 to $10,000 Deductible 120 4 Wood siding No
1967 160,000 Composition Roof 2,380 5 $1000-$2500 Deductible 640 10 Stucco siding yes
1944 175,000 Tile Roof 2,500 4 $1000-$2500 Deductible 620 8 Vinyl siding No
1957 100,000 Composition Roof 1,350 3 $500 Deductible 480 9 Stucco siding No
1988 110,000 Tile Roof 1,930 5 $1000-$2500 Deductible 70 2 Fiber-Cement Siding No
1953 100,000 Membrane Roof 1,430 3 $500 Deductible 70 2 Stone Siding No
1952 65,000 Wood Shake Roof 1,070 2 $500- $1000 Deductible 40 2 Wood siding yes
1942 100,000 Wood Shake Roof 1,390 3 $2500-$5000 Deductible 310 10 Stucco siding yes
1968 150,000 Asphalt Shingles Roof 2,410 4 $5000 to $10,000 Deductible 90 2 Brick siding No
1977 140,000 Membrane Roof 1,980 3 $2500-$5000 Deductible 140 3 Wood siding No
1988 140,000 Shingles Roof 2,100 3 $1000-$2500 Deductible 200 4 Stone Siding yes
1989 120,000 Metal Roof 1,640 2 $2500-$5000 Deductible 30 1 Fiber-Cement Siding yes
1954 80,000 Wood Shake Roof 1,460 3 $1000-$2500 Deductible 150 8 Brick siding No
1961 50,000 Wood Shake Roof 1,025 2 $5000 to $10,000 Deductible 300 10 Fiber-Cement Siding yes

How To Make Your Decatur, IL Home Insurnace Cheaper