Homer Insurance Rates:

Homer, IL homeowners insurance is about $704 to $959, about $58-$79/month. Our in depth research indicates shoppers can save as much as $332 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Liberty Mutual
A recent hurricane caused some structural issues to my home. liberty mutual worded their finding so that they were able to deny the claim.
Geico
I like the fact that they cover a variety of incidents and claims based on where my house is and my needs. for example, they don't make me buy hurricane insurance since i live in iowa but i was able to add flood coverage.
Aaa
I like how aaa will personally call you if your policy goes into cancellation status to do all they can do to help you keep your coverage in case you forget a payment.
Amica Mutual Insurance
The customer service people are very friendly and knowledgeable about everything to do with my insurance products.
Aaa
I chose farmers after getting quotes from other insurance companies (nationwide, state farm, Geico). Besides the lower premium, I have access to my insurance agent.
Prudential
I have not completely tried the website so I cannot say, however, I did read about it on the website when I first ran across it so I did very much like what I read and went ahead and bought the plan.

Homer, IL Homeowners Insurance By Home Value

Homer, IL Home Value Total Homes % of Total Average Homer, IL Homeowners Insurance
Less than $50,000 172 1.0% $66
$100,000 to $124,999 116 1.0% $290
$125,000 to $149,999 204 2.0% $365
$150,000 to $174,999 646 6.0% $432
$175,000 to $199,999 791 8.0% $498
$200,000 to $249,999 1,490 15.0% $606
$250,000 to $299,999 2,055 22.0% $739
$300,000 to $399,999 3,615 38.0% $939

Top Home Insurance Agents Near Homer, IL

Home Insurance Company Near Homer, IL Homeowners Insurance Agency Near Homer, IL Address
NA R L Strohecker Ins Agcy P O Box 187 , Riverside, IL, 60546
Allstate Beata Agnieszka Jaworski 1226 E Lake St, Hanover Park, IL, 60133
Erie Sky Insurance Services Inc. 9171 N Milwaukee Avenue, Niles, IL, 60714
Farmers Vincent Valente 233 E Butterfield Rd, Elmhurst, IL, 60126
Travelers W A George Insurance Agency Inc 155 N MICHIGAN AVE STE 634-635, CHICAGO, IL, 60601

Cost Of Homeowners Insurance By Street Near Homer, IL

Streets in Homer Area Homeowners Insurance Cost
Eastlake Pkwy, S Codo Dr, Deer Path Dr, Lane Dr, Acorn Ct, N Farrell Rd, Holm Ct, W Chancellor Dr, Cinnamon Creek Ln, W Blackhawk Dr$797
W Ironwood Cir, Aspen Ln, W 136th St, Pinto St, Ridgewood Dr, Innisbrook Ln, Birchwood Dr, Hank Ct W, Longmeadow Ln, Southwest Hwy$815
Lakeview Trl, Sprucewood Ct, Longbow Dr, Cedar Rd, S Ivy Ln, Mulberry Ct, 144th Pl, Abbey Ln, Chinook Dr, Dokter Pl$796
Wildwood Ln, Kerry Ln, W Hank Ct, Arlene Dr, Surrey Ct, Haggard St, Lake View Dr, Taelevale Ct, Canterbury Way, Palomino Ct$843
White Tail Way, Abbott Rd W, W Renaissance Cir, W 139th St, W Woodmill Ct, Black Forest Trl, Erin Dr, Nolan Ct, Burch Dr, W 138th St$834

Homer, IL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Homer$124 to $127
Homer Glen$126
Lemont$129
Orland Park$123

Homer, 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
Homer Glen village, Illinois $127 $169 $254
Lemont township, Cook County, Illinois $129 $172 $258
Orland Park village, Illinois $123 $164 $246

Homer, 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
Homer, IL3.1%7.3%
Homer Glen2.91%7.13%
Lemont3.14%10.3%
Orland Park3.23%9.4%

Homer Renters Insurance as a Percentage of Rent

Homer Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 19 3.0% $752
$300 to $499 16 2.0% $1202
$500 to $749 29 4.0% $1877
$750 to $999 101 16.0% $2627
$1,000 to $1,499 49 8.0% $3752
$1,500 or more 382 64.0% $5402

Homer, IL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$2,700
Yearly Homer Homeowner Insurance Premium Example $2,200$1,700
Out of Pocket Expense During Claim$700$2,700
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $13,900$12,900
Net Savings to Homer Home Owner from High Deductible Plan $1,000

Homer, IL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Homer, IL Home Replacement Value MORE than Home Value Homer, IL Home Replacement Value LESS than Home Value
Replacement Value $438,000 $267,500
Insurance Premium based on Replacement Value $1,925 $1,175
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $80,000 Risk Exposure from Under Insuring Coverage is $90,500
Premium Impact Insurance cheaper by $400/year Insurance costlier by $350/year

Example Homer Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersAllstateLiberty Mutual
Monthly Premium 757985
Year Built 201019812005
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 2 Baths
Coverage Amount $200000-$250000$250000-$300000$350000-$400000
Deductible $500 Deductible$2500-$5000 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1982 275,000 Membrane Roof 2,060 3 $1000-$2500 Deductible 680 9 Wood siding No
1991 535,000 Composition Roof 3,050 4 > $10,000 Deductible 90 1 Vinyl siding yes
1983 830,000 Metal Roof 4,650 5 $5000 to $10,000 Deductible 1690 9 Vinyl siding yes
2010 495,000 Metal Roof 2,880 4 $2500-$5000 Deductible 1320 9 Wood siding No
2002 400,000 Membrane Roof 2,400 4 $5000 to $10,000 Deductible 70 1 Stucco siding yes
1988 265,000 Slate Shingles Roof 1,500 3 $1000-$2500 Deductible 900 8 Wood siding No
2013 525,000 Shingles Roof 3,310 4 $2500-$5000 Deductible 1400 10 Fiber-Cement Siding yes
1983 290,000 Metal Roof 1,900 4 $500 Deductible 520 4 Vinyl siding No
1989 285,000 Membrane Roof 1,800 3 $500 Deductible 1180 8 Wood siding yes
2008 470,000 Membrane Roof 2,870 4 $5000 to $10,000 Deductible 850 6 Vinyl siding yes
1992 415,000 Metal Roof 2,720 5 $1000-$2500 Deductible 1610 9 Wood siding yes
2006 485,000 Slate Shingles Roof 2,560 5 $2500-$5000 Deductible 1930 12 Stone Siding yes
1982 330,000 Composition Roof 2,420 4 $2500-$5000 Deductible 980 10 Wood siding No
1990 330,000 Metal Roof 2,250 3 $5000 to $10,000 Deductible 370 4 Wood siding No
2014 420,000 Wood Shake Roof 3,220 5 $500 Deductible 480 3 Fiber-Cement Siding No
2013 260,000 Tile Roof 1,870 4 > $10,000 Deductible 350 6 Fiber-Cement Siding No
1994 305,000 Shingles Roof 2,300 5 $5000 to $10,000 Deductible 530 7 Vinyl siding No
2006 750,000 Wood Shake Roof 4,710 5 $2500-$5000 Deductible 450 2 Stucco siding No
1993 255,000 Shingles Roof 1,470 3 $500- $1000 Deductible 340 4 Vinyl siding yes
1998 250,000 Membrane Roof 1,530 5 $500 Deductible 170 2 Fiber-Cement Siding No
1983 290,000 Asphalt Shingles Roof 1,750 3 > $10,000 Deductible 240 3 Wood siding yes