Godfrey Insurance Rates:

Godfrey, IL homeowners insurance is nearly $637 to $867, about $53-$72/month. Our comprehensive guide reveals consumers can save upto $300 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

Aaa
I am familiar with this company, as I use them for my car and renters insurance. They have a good reputation for being quick and fair to settle claims, and not raising rates with low number claims. I find their customer service easy to navigate and useful in resolving issues. They are a long standing company with a reputable status.
Geico
GEICO is very easy to work with. Their agents (customer service reps) seem to be well trained as I have never received conflicting information from different reps. The policy is relatively inexpensive as I have shopped around and this rate is very good compared to competitors.
Farmer's Insurance
I recently reviewed my policy and was able to lower my deductible by having the same coverage. I have been able to save money. I've never had a claim.

Godfrey, IL Homeowners Insurance By Home Value

Godfrey, IL Home Value Total Homes % of Total Average Godfrey, IL Homeowners Insurance
Less than $50,000 274 4.0% $127
$50,000 to $59,999 97 1.0% $278
$60,000 to $69,999 136 2.0% $338
$70,000 to $79,999 243 4.0% $391
$80,000 to $89,999 553 9.0% $443
$90,000 to $99,999 475 7.0% $503
$100,000 to $124,999 833 13.0% $579
$125,000 to $149,999 731 12.0% $729
$150,000 to $174,999 667 11.0% $857
$175,000 to $199,999 468 7.0% $992
$200,000 to $249,999 795 13.0% $1195
$250,000 to $299,999 502 8.0% $1458
$300,000 to $399,999 247 4.0% $1857

Top Home Insurance Agents Near Godfrey, IL

Home Insurance Company Near Godfrey, IL Homeowners Insurance Agency Near Godfrey, IL Address
State Farm Ben Rister 14145 Clayton Rd, Chesterfield, MO, 63017-8355
Travelers J W Terrill Inc 701 EMERSON RD FL 5, SAINT LOUIS, MO, 63141
Allstate Lisa M. Clemente 110A Holloway Rd, Ballwin, MO, 63011
State Farm Mike Maroney 225 Fox Hill Rd, Saint Charles, MO, 63301-3745
Allstate Missouri Insurance Group Llc 8515 Delmar Blvd Ste 201, Saint Louis, MO, 63124

Cost Of Homeowners Insurance By Street Near Godfrey, IL

Streets in Godfrey Area Homeowners Insurance Cost
Barbara Dr, N Alby St, Herter Industrial Dr, Chestnut Ln, Greenbriar Ave, Sheffield Cir, Bloomer Dr, Primrose Ln, Englewood Dr, Voumard Ln$740
W 9th St, Humbert St, Black Oak Rd, Autumn St, Harris Ct, Moreland Ave, Karen Ct, Russell Ave, Lexington Estates Dr, Sir Galahad Ln$764
Field Dr, Blu Fountain Ct, Buckmaster Ln, Bostwick St, Surrey Ct, Clark St, Paul St, Godfrey Rd, W Mather St, Pelot Dr$723
Riverwoods Ln, Mound St, Dwarf Ln, Oak Forest Rd, Mont Vista Ave, Longview Ave, la Salle Dr, State Rte 100, Union School Rd, Spaulding St$763
Iroquois Dr, Brook Hollow Rd, Booher Ln, Northport Dr, Walsh Rd, Otterbein Ct, Scovell St, Deer Trl, Jarret Ln, Muny Vista Ct$743

Godfrey, IL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Godfrey$112 to $115
Alton$108
Elsah$112
West Alton$146

Godfrey, 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
Alton city, Illinois $91 $121 $181
Elsah township, Jersey County, Illinois $94 $125 $188
West Alton city, Missouri $122 $163 $244

Godfrey, 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
Godfrey, IL4.8%13.9%
Alton6.17%16.07%
Elsah5.01%14.27%
West Alton7.29%21.52%

Godfrey Renters Insurance as a Percentage of Rent

Godfrey Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 611 49.0% $1918
$750 to $999 288 23.0% $2668
$1,000 to $1,499 182 14.0% $3793
$1,500 or more 136 11.0% $5443

Godfrey, IL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$1,500
Yearly Godfrey Homeowner Insurance Premium Example $500$300
Out of Pocket Expense During Claim$500$1,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $4,500$3,900
Net Savings to Godfrey Home Owner from High Deductible Plan $600

Godfrey, IL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Godfrey, IL Home Replacement Value MORE than Home Value Godfrey, IL Home Replacement Value LESS than Home Value
Replacement Value $188,500 $139,500
Insurance Premium based on Replacement Value $800 $600
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $19,000 Risk Exposure from Under Insuring Coverage is $30,000
Premium Impact Insurance cheaper by $125/year Insurance costlier by $75/year

Example Godfrey Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Erie InsuranceState FarmChubb Group of Insurance
Monthly Premium 253375
Year Built 196719851975
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $75000-$100000$100000-$125000$200000-$250000
Deductible $2500-$5000 Deductible$2500-$5000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1980 420,000 Wood Shake Roof 4,870 5 $5000 to $10,000 Deductible 1070 8 Stone Siding No
1984 265,000 Shingles Roof 3,210 4 > $10,000 Deductible 240 3 Brick siding No
1998 285,000 Composition Roof 3,060 4 > $10,000 Deductible 600 12 Brick siding No
1961 155,000 Asphalt Shingles Roof 1,990 3 $500 Deductible 400 6 Fiber-Cement Siding No
1985 355,000 Composition Roof 4,940 5 $500- $1000 Deductible 1180 9 Wood siding yes
2001 370,000 Metal Roof 4,080 5 $500- $1000 Deductible 560 4 Vinyl siding yes
1994 120,000 Slate Shingles Roof 1,670 5 $2500-$5000 Deductible 40 1 Fiber-Cement Siding No
1961 365,000 Slate Shingles Roof 4,720 5 $1000-$2500 Deductible 1310 8 Stucco siding No
1989 310,000 Composition Roof 2,970 4 $1000-$2500 Deductible 650 7 Vinyl siding yes
2003 270,000 Metal Roof 2,770 4 $1000-$2500 Deductible 1090 12 Brick siding No
1975 220,000 Shingles Roof 2,450 4 $1000-$2500 Deductible 120 2 Vinyl siding yes
1990 155,000 Asphalt Shingles Roof 1,660 5 $2500-$5000 Deductible 260 7 Fiber-Cement Siding No
1966 250,000 Membrane Roof 2,800 4 $1000-$2500 Deductible 340 4 Wood siding No
1978 130,000 Membrane Roof 1,750 4 $500 Deductible 380 8 Wood siding yes
2010 255,000 Metal Roof 2,760 5 $500 Deductible 630 5 Stone Siding yes
1966 240,000 Asphalt Shingles Roof 3,060 4 $500 Deductible 130 1 Brick siding yes
1999 325,000 Wood Shake Roof 3,690 5 $1000-$2500 Deductible 620 6 Stucco siding yes
2008 190,000 Wood Shake Roof 2,560 4 $500 Deductible 680 8 Brick siding No
1969 245,000 Asphalt Shingles Roof 3,050 4 $5000 to $10,000 Deductible 270 4 Vinyl siding yes
2010 355,000 Membrane Roof 4,660 5 $2500-$5000 Deductible 830 8 Brick siding yes
2014 325,000 Composition Roof 3,280 4 $1000-$2500 Deductible 140 1 Fiber-Cement Siding No
2002 240,000 Asphalt Shingles Roof 2,530 5 $2500-$5000 Deductible 440 7 Stucco siding No
1973 310,000 Asphalt Shingles Roof 4,300 5 $500- $1000 Deductible 1010 9 Wood siding yes
2003 155,000 Wood Shake Roof 1,930 3 $5000 to $10,000 Deductible 310 9 Fiber-Cement Siding yes
1989 400,000 Membrane Roof 4,690 5 $500- $1000 Deductible 1300 7 Stucco siding No
1998 300,000 Wood Shake Roof 3,920 5 $2500-$5000 Deductible 1130 12 Stone Siding No
2011 180,000 Composition Roof 1,830 4 $1000-$2500 Deductible 260 4 Vinyl siding yes
1999 95,000 Metal Roof 1,320 3 $500 Deductible 210 6 Brick siding No
2010 245,000 Membrane Roof 2,460 4 $1000-$2500 Deductible 90 1 Wood siding No
1994 220,000 Metal Roof 2,280 5 $1000-$2500 Deductible 70 1 Stucco siding yes
1999 145,000 Slate Shingles Roof 1,940 4 $500- $1000 Deductible 420 10 Stucco siding No
1978 145,000 Shingles Roof 1,580 3 $1000-$2500 Deductible 460 8 Stucco siding No