Gurnee, IL Home Insurance - Analysis On Quotes, Rates & Agents
Gurnee Insurance Rates:
Gurnee, IL homeowners insurance is roughly $690 to $940, about $57-$78/month. Our comprehensive analysis reveals consumers can save as much as $326 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
AllstateI like the fact that the plan comes with discounts so you get to save some money at the beginning of your plan. that is a positive effect for me
NationwideIf i had known about the possibilities that i might be paying more for something i would be penalized for using i would've never enrolled.
Safeco InsuranceMy insurance company does have online access to my account for making payments and access to my policy information, but it is limited in functions.
Erie InsuranceI am able to contact my agent and get a response within an hour. It helps that my entire family uses this agent for insurance, therefore, he has become somewhat of a family friend. I can openly talk to him and get honest answers/opinions.
All StateThe customer service is excellent. They are always willing to do what it takes to resolve any issues that you may be having. They are friendly and considerate of your feelings.
State FarmI LIKE THE IMMEDIATE AVAILABILITY OF A LIVE PERSON. I HAVE NEVER HAD TO LEAVE A MESSAGE OR WAIT FOR RETURN CALLS. THEY ARE AVAILABLE IMMEDIATELY BY TEXT ALSO WHICH IS VERY CONVENIENT
Gurnee, IL Homeowners Insurance By Home Value
| Gurnee, IL Home Value | Total Homes | % of Total | Average Gurnee, IL Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 88 | 1.0% | $73 |
| $100,000 to $124,999 | 259 | 3.0% | $326 |
| $125,000 to $149,999 | 504 | 7.0% | $407 |
| $150,000 to $174,999 | 549 | 7.0% | $480 |
| $175,000 to $199,999 | 542 | 7.0% | $554 |
| $200,000 to $249,999 | 1,303 | 18.0% | $668 |
| $250,000 to $299,999 | 1,642 | 23.0% | $815 |
| $300,000 to $399,999 | 2,022 | 28.0% | $1043 |
Top Home Insurance Agents Near Gurnee, IL
| Home Insurance Company Near Gurnee, IL | Homeowners Insurance Agency Near Gurnee, IL | Address |
|---|---|---|
| NA | Integrity Insurance Agency Of Il, Inc. | 1130 Carolina Dr., Ste B West Chicago, West Chicago, IL, 60185 |
| Farmers | Ada Tran | 13000 W Bluemound Rd, Elm Grove, WI, 53122 |
| Allstate | Daniel Ross | 2630 Kaneville Ct, Geneva, IL, 60134 |
| Allstate | James Lane | 440 W Boughton Rd Ste 103, Bolingbrook, IL, 60440 |
| Allstate | Patrick Shafer | 331 W State St, Sycamore, IL, 60178 |
Cost Of Homeowners Insurance By Street Near Gurnee, IL
| Streets in Gurnee Area | Homeowners Insurance Cost |
|---|---|
| Center Dr, Southridge Dr, W Prairieview Ln, Fair Links Way, Adderly Ln, Katie Ct, Bay Pl, Rae Ln, Brookhaven Rd, Rolling Green St | $812 |
| Leonard Dr, Gatewood Dr, Willow Ln, S Northpoint Blvd, Winchester Ct, Co Hwy 72, Fox Hill Dr, Clavey Ln, Rollo Blvd, S West Ave | $755 |
| W Stillwater Ct, Ferndale Ave, W Wellsley Ct, Joseph Dr, Stratford Dr, Kingsport Dr, Penny Ln, Garnet Ct, Valley Dr, West Ave | $853 |
| Darnell Ln, Monterey Ct, Clark Dr, Old Hickory Ct, Pigeon Ave, Hancock Ln, Ebony Ct, N Rosedale Ave, Boulevard View Ave, Spinney Run Dr | $814 |
| Eau Claire Ct, Woodbury Cir, Johns Manville Rd, Knollwood Ct, S Hunt Club Rd, W Lawn Ave, Woodcrest Ct, Woodlawn Ave, Norman Ln, Ferndale St | $807 |
| W Golfmoor St, S Pleasant Hill Gate, N Bayonne Ave, W Park Cres, Boulders Dr, Eastwood Ave, Newgate Ct, Bridle Ct, Monroe St, N Knowles Rd | $803 |
| Harper Ave, Tralee Ct, Dunlay Ct, N Augusta Ct, W Florida Ave, Hastings Ln, W Stearns School Rd, Lake Park Ave, Laurel Ln, Independence Ct | $841 |
| Bentley Dr, Valley View Rd, Swanson Ct, W Serranda Dr, W Iroquois Dr, Patriot Ct, Chapel Hl, Saddle Ct, W Adelaide Ave, W Crescent Ave | $795 |
| Williamsburg Ave, W Old Hickory Ct, N Red Oak Dr, Cross Rd, Kings Way W, Quail Haven Ct, Country Pl, Charles Ave, N Cypress Pt, W Hickory Ln | $819 |
| S Elder Ln, Pine Grove Ave, W Cheyenne Rd, N Stratton Ln, Snow Cap Ct, N Orchard Ave, N Edgewood Ct, Waveland Ave, Wellington Cir, N Martin Ave | $821 |
Gurnee, IL Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Gurnee | $121 to $124 |
| Warren | $120 |
| Park City | $104 |
| Gages Lake | $118 |
Gurnee, 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 |
|---|---|---|---|
| Warren township, Lake County, Illinois | $101 | $134 | $201 |
| Park City city, Illinois | $87 | $116 | $174 |
| Gages Lake CDP, Illinois | $99 | $131 | $197 |
Gurnee, IL Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Gurnee, IL | 3.0% | 8.2% |
| Warren | 3.16% | 8.26% |
| Park City | 4.4% | 8.92% |
| Gages Lake | 3.39% | 9.49% |
Gurnee Renters Insurance as a Percentage of Rent
| Gurnee Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 122 | 4.0% | $311 |
| $200 to $299 | 37 | 1.0% | $761 |
| $300 to $499 | 100 | 3.0% | $1211 |
| $500 to $749 | 213 | 7.0% | $1886 |
| $750 to $999 | 662 | 23.0% | $2636 |
| $1,000 to $1,499 | 1,258 | 44.0% | $3761 |
| $1,500 or more | 424 | 15.0% | $5411 |
Gurnee, IL Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $800 | $2,800 |
| Yearly Gurnee Homeowner Insurance Premium Example | $2,700 | $2,200 |
| Out of Pocket Expense During Claim | $800 | $2,800 |
| Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim | $14,300 | $13,800 |
| Net Savings to Gurnee Home Owner from High Deductible Plan | $500 | |
Gurnee, IL Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Gurnee, IL Home Replacement Value MORE than Home Value | Gurnee, IL Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $291,000 | $199,500 |
| Insurance Premium based on Replacement Value | $1,650 | $1,125 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $24,500 | Risk Exposure from Under Insuring Coverage is $67,000 |
| Premium Impact | Insurance cheaper by $375/year | Insurance costlier by $150/year |
Example Gurnee Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Travelers | Liberty Mutual | Nationwide Insurance |
| Monthly Premium | 93 | 107 | 272 |
| Year Built | 1981 | 2009 | 2012 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 1 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $200000-$250000 | $300000-$350000 | $600000-$700000 |
| Deductible | $1000-$2500 Deductible | $2500-$5000 Deductible | $500- $1000 Deductible |
Sample Home Insurance Rates for Gurnee, IL from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 2010 | 225,000 | Composition Roof | 1,940 | 4 | $2500-$5000 Deductible | 190 | 3 | Brick siding | yes |
| 2001 | 190,000 | Asphalt Shingles Roof | 1,610 | 2 | $2500-$5000 Deductible | 110 | 2 | Brick siding | No |
| 1982 | 200,000 | Wood Shake Roof | 1,420 | 3 | $500- $1000 Deductible | 780 | 12 | Stone Siding | No |
| 2014 | 370,000 | Metal Roof | 2,320 | 3 | $500 Deductible | 1510 | 9 | Wood siding | yes |
| 2011 | 265,000 | Composition Roof | 2,100 | 4 | > $10,000 Deductible | 690 | 9 | Vinyl siding | No |
| 1996 | 245,000 | Shingles Roof | 1,660 | 4 | $500 Deductible | 210 | 2 | Stone Siding | yes |
| 2010 | 155,000 | Wood Shake Roof | 1,280 | 2 | $5000 to $10,000 Deductible | 250 | 6 | Stucco siding | yes |
| 2011 | 265,000 | Shingles Roof | 2,050 | 4 | $2500-$5000 Deductible | 420 | 7 | Stone Siding | No |
| 1990 | 355,000 | Asphalt Shingles Roof | 2,110 | 4 | $5000 to $10,000 Deductible | 480 | 7 | Fiber-Cement Siding | No |
| 2006 | 430,000 | Membrane Roof | 2,880 | 4 | > $10,000 Deductible | 780 | 9 | Vinyl siding | yes |
| 2011 | 450,000 | Membrane Roof | 3,270 | 4 | $1000-$2500 Deductible | 2310 | 10 | Stucco siding | No |
| 1998 | 180,000 | Slate Shingles Roof | 1,360 | 2 | $1000-$2500 Deductible | 270 | 7 | Fiber-Cement Siding | No |
| 1988 | 145,000 | Tile Roof | 900 | 2 | $500- $1000 Deductible | 50 | 1 | Fiber-Cement Siding | yes |
| 1988 | 255,000 | Slate Shingles Roof | 1,810 | 4 | $2500-$5000 Deductible | 400 | 5 | Fiber-Cement Siding | yes |
| 2013 | 330,000 | Wood Shake Roof | 2,100 | 3 | > $10,000 Deductible | 450 | 6 | Wood siding | yes |
| 1999 | 265,000 | Membrane Roof | 2,170 | 4 | $500 Deductible | 900 | 7 | Fiber-Cement Siding | No |
| 1991 | 205,000 | Metal Roof | 1,560 | 5 | $2500-$5000 Deductible | 340 | 7 | Stucco siding | yes |
| 2007 | 215,000 | Metal Roof | 1,720 | 3 | > $10,000 Deductible | 240 | 5 | Brick siding | yes |
| 2011 | 165,000 | Membrane Roof | 1,100 | 2 | $2500-$5000 Deductible | 540 | 12 | Vinyl siding | yes |
| 1980 | 225,000 | Tile Roof | 1,570 | 2 | $1000-$2500 Deductible | 320 | 4 | Stucco siding | No |