Geneva Insurance Rates:

Geneva, IL homeowners insurance is approximately $710 to $969, about $59-$80/month. Our detailed guide indicates shoppers can save upto $335 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmer's Insurance
I like that farmers insurance has a large network of local agents in my area - making it easy to discuss my insurance needs with an agent in person.
Liberty Mutual
Liberty mutual does not always act in the customer's interest. therefore they do not always conduct their business in integrity.
Safeco Insurance
Our local agent is available to talk to if we have questions, and then he deals with the larger company of safeco. it's nice to talk to someone in your area and develop a relationship with them about your needs instead of always dealing with a call center.
Farmer's Insurance
What I like about Farmers is that I am able to contact my insurance agent by telephone, text 24/7 and he will get back to me.
Erie Insurance
I've talked to co-workers and other acquaintances about how much they pay in premiums. It's hard to compare since their home and coverage varies from mine. They all seem to pay the same price as I do so I just stick with this same company.
Safeco Insurance
The only thing I don't like is that every six months I have to try to log on to my insurance and it's always an ordeal. I wish they just sent me the pdf of the insurance document.
Erie Insurance
I HAVE BEEN EXTREMELY HAPPY WITH ERIE. THE COST HAS ALWAYS BEEN COMPETITIVE AND THE CUSTOMER SERVICE IS EXCELLENT. I FEEL LIKE I AM TREATED LIKE FAMILY AND NOT ANOTHER CUSTOMER
State Farm
Decent rates. Good service. No BS like junk mail or promotional calls. The company just sort of quietly exists in the background for when I need them, just like an insurance company should.

Geneva, IL Homeowners Insurance By Home Value

Geneva, IL Home Value Total Homes % of Total Average Geneva, IL Homeowners Insurance
Less than $50,000 76 1.0% $58
$125,000 to $149,999 113 1.0% $352
$150,000 to $174,999 273 4.0% $419
$175,000 to $199,999 382 6.0% $478
$200,000 to $249,999 1,058 18.0% $578
$250,000 to $299,999 1,265 21.0% $704
$300,000 to $399,999 2,560 43.0% $897

Top Home Insurance Agents Near Geneva, IL

Home Insurance Company Near Geneva, IL Homeowners Insurance Agency Near Geneva, IL Address
NA David M. Wilson Dba Wilcover Ins. Agency 1783 Queensbury Circle , Hoffman Estates, IL, 60169
Farmers Amber Bischoff 801 N Bridge St Ste C, Yorkville, IL, 60560
Travelers Cheryl A Freburg 923 S QUINCY STREET, HINSDALE, IL, 60521
State Farm Finny Rajchel 18W044 22nd St, Oakbrook Ter, IL, 60181-4403
State Farm Mike Hansen 205 W Liberty St, Wauconda, IL, 60084-2456

Cost Of Homeowners Insurance By Street Near Geneva, IL

Streets in Geneva Area Homeowners Insurance Cost
Sunflower Dr, Campbell Ct, Sudbury Ln, Lewis Pl, Meadows Rd, Country Squire Dr, Cheever Ave, Logan Ave, Dobson Ln, Windett Ln$837
Longview Dr, McQuire Pl, Walnut Cir, Spruce Ct, Millbrook Ct, Shady Ave, Hamilton St, Stevens St, Bilarda Ct, Wild Prairie Ln$842
Southampton, Fargo Blvd, Armstrong Ln, N Andover Ln, Ginger Ln, Ridge Ln, Harvest Ridge Rd, Ridge Pointe Dr, Bradbury Ln, Radnor Ct$844
Kansas St, S Harrison St, Bloomfield Cir, Geneva Dr, Collins Ct, Sunset Rd, Suffield Ct, Cox Ln, Suncast Ln, S Daniels Dr$799
Osprey Ct, Carriage Dr, Prairie Ct, Pinto Ct, Abbey Ln, Euclid Ave, Le Baron Ct, School St, Sennett St, Dartmouth Ct$849

Geneva, IL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Geneva$125 to $128
Batavia$123
St. Charles$125
North Aurora$121

Geneva, 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
Batavia township, Kane County, Illinois $103 $137 $205
St. Charles township, Kane County, Illinois $105 $139 $209
North Aurora village, Illinois $101 $135 $202

Geneva, 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
Geneva, IL2.9%8.1%
Batavia3.07%8.9%
St. Charles2.87%8.65%
North Aurora3.41%10.17%

Geneva Renters Insurance as a Percentage of Rent

Geneva Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 52 3.0% $1198
$500 to $749 69 4.0% $1873
$750 to $999 267 16.0% $2623
$1,000 to $1,499 766 47.0% $3748
$1,500 or more 446 27.0% $5398

Geneva, IL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,100$3,100
Yearly Geneva Homeowner Insurance Premium Example $1,400$900
Out of Pocket Expense During Claim$1,100$3,100
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $10,900$9,400
Net Savings to Geneva Home Owner from High Deductible Plan $1,500

Geneva, IL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Geneva, IL Home Replacement Value MORE than Home Value Geneva, IL Home Replacement Value LESS than Home Value
Replacement Value $286,500 $177,000
Insurance Premium based on Replacement Value $1,200 $750
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $72,000 Risk Exposure from Under Insuring Coverage is $37,500
Premium Impact Insurance cheaper by $150/year Insurance costlier by $300/year

Example Geneva Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceFarmers InsuranceTravelers
Monthly Premium 76146410
Year Built 201019861991
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 3 Baths
Coverage Amount $200000-$250000$350000-$400000$800000-$900000
Deductible $500 Deductible$500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1988 315,000 Slate Shingles Roof 1,590 5 > $10,000 Deductible 590 9 Vinyl siding No
1986 445,000 Shingles Roof 2,380 4 > $10,000 Deductible 600 7 Stone Siding No
2001 350,000 Metal Roof 1,890 5 $500 Deductible 1050 5 Brick siding No
1992 415,000 Metal Roof 2,250 3 > $10,000 Deductible 1100 12 Fiber-Cement Siding No
1996 330,000 Tile Roof 2,370 4 $5000 to $10,000 Deductible 290 3 Brick siding yes
1942 290,000 Membrane Roof 1,780 3 $500 Deductible 780 6 Brick siding No
1999 255,000 Asphalt Shingles Roof 1,560 3 > $10,000 Deductible 400 8 Stone Siding yes
1992 320,000 Asphalt Shingles Roof 2,250 3 $500- $1000 Deductible 1010 10 Wood siding No
1991 460,000 Composition Roof 2,900 4 $5000 to $10,000 Deductible 490 5 Wood siding No
1984 475,000 Slate Shingles Roof 3,170 5 $500- $1000 Deductible 140 1 Wood siding yes
1997 690,000 Shingles Roof 4,780 5 $1000-$2500 Deductible 470 2 Fiber-Cement Siding yes
1996 420,000 Wood Shake Roof 2,630 4 $500 Deductible 650 3 Fiber-Cement Siding yes
2004 220,000 Shingles Roof 1,260 3 $5000 to $10,000 Deductible 50 1 Fiber-Cement Siding yes
2009 230,000 Shingles Roof 1,510 3 > $10,000 Deductible 640 10 Brick siding yes
1948 305,000 Metal Roof 1,540 3 $2500-$5000 Deductible 240 2 Vinyl siding yes
1949 445,000 Tile Roof 2,600 5 $5000 to $10,000 Deductible 360 3 Stucco siding No
2011 205,000 Asphalt Shingles Roof 1,500 3 $500 Deductible 640 8 Vinyl siding yes
1985 415,000 Tile Roof 2,220 3 > $10,000 Deductible 410 4 Stone Siding yes
1992 225,000 Tile Roof 1,620 5 > $10,000 Deductible 510 10 Vinyl siding No
1981 315,000 Wood Shake Roof 2,110 4 $5000 to $10,000 Deductible 80 1 Brick siding yes
1980 180,000 Metal Roof 1,340 3 $2500-$5000 Deductible 140 2 Vinyl siding yes
2011 610,000 Shingles Roof 3,260 5 $5000 to $10,000 Deductible 340 2 Stucco siding yes
2014 455,000 Metal Roof 3,120 5 $5000 to $10,000 Deductible 1020 6 Stone Siding No
2011 945,000 Shingles Roof 4,830 5 > $10,000 Deductible 610 3 Brick siding No
2002 480,000 Composition Roof 3,110 4 $2500-$5000 Deductible 1320 10 Stucco siding yes
2014 345,000 Metal Roof 2,190 5 > $10,000 Deductible 340 5 Stucco siding yes