Lisle ,IL Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Lisle, IL homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Lisle, IL is $2172. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Lisle, IL. VHome Insurance will help you navigate the world of homeowners insurance coverages in Lisle, IL.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $869 |
| $200,000 | $1,477 |
| $300,000 | $1,824 |
| $400,000 | $2,780 |
| $500,000 | $3,497 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Lisle, IL, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $2,227 |
| $1000 Deductible | $1,992 |
| $1500 Deductible | $1,879 |
| $2500 Deductible | $1,694 |
| $5000 Deductible | $1,434 |
| Home Insurance Company Near Lisle, IL | Homeowners Insurance Agency Near Lisle, IL | Address |
|---|---|---|
| NA | Onoco, Inc. Dba Onorato Insurance Services | 335 S Broadway St , Coal City, IL, 60416 |
| NA | The Vandyke Group, Inc. | 15915 Crystal Creek Dr, Ste H , Homer Glen, IL, 60491 |
| State Farm | Craig Kressner | 1919 Il Route 83 Ste C, Round Lk Bch, IL, 60073-5109 |
| Travelers | Julian Agency Inc | 666 RUSSEL CT SUITE 309, WOODSTOCK, IL, 60098 |
| Farmers | Kenneth More Arm Cpcu Lutcf | 1460 E Northwest Hwy, Palatine, IL, 60074 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Woodridge village, Illinois | $102 | $135 | $203 |
| Naperville city, Illinois | $109 | $145 | $217 |
| DuPage County, Illinois | $103 | $137 | $206 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Lisle, IL | 3.2% | 8.5% |
| Woodridge | 3.23% | 8.87% |
| Naperville | 2.87% | 7.85% |
| DuPage County | 3.19% | 8.85% |
| Lisle Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 131 | 1.0% | $749 |
| $300 to $499 | 136 | 1.0% | $1199 |
| $500 to $749 | 346 | 3.0% | $1874 |
| $750 to $999 | 3,463 | 31.0% | $2624 |
| $1,000 to $1,499 | 4,600 | 41.0% | $3749 |
| $1,500 or more | 2,396 | 21.0% | $5399 |
| Streets in Lisle Area | Homeowners Insurance Cost |
|---|---|
| Spice Cir, Hageman Pl, Neptune Ct, Varsity Dr, Front St, Shellingham Dr, Justin Ct, S Wright St, Middleton Ave, Hackberry Dr | $797 |
| N Naperville-Wheaton Rd, N Julian St, Angelo Ln, Stonehedge Dr, Lisson Rd, Lacey Ave, Meyer Rd, Cactus Dr, Buttonwood Ct, Yorkshire Ln | $868 |
| Meander Dr, Durham Dr, Bella Ct, Halsey Ct, Innsbruck Ct, Provence Ct, Riverview Dr, Laurel Ct, Banbury Ct, Auburn Ave | $815 |
| Azalea Dr, Riparian Dr, Two Paths Dr, Essel Ct E, S Julian St, Windham Hill Ct, Court Pl, Kingston Ave, Thrush Ln, Hawthorn Dr | $864 |
| Pier Ct, University Ln, Citadel Dr, Timberview Dr, Ravinia Ln, Leask Ln, South Rd, Rose Ave, Friar Ln, Papago Ct | $899 |
| Honest Pleasure Dr, Vincent Ct, Syracuse Ave, Corporetum Dr, Garden Dr, Spice Ln, Trafalgar Ct, Acorn Hill Ct, White Birch Dr, Smokey Ct | $875 |
| Parkwood Ln, Cascade Ct, Fernwood Dr, Fernwood Ct, Pier Ave, Danada Ct, Rolling Dr, W Appaloosa Ct, Greene Ridge Dr, Cape Rd | $843 |
| Olympus Dr, Syracuse Rd, Mescallero Ct, Teddo Ave, Rapids Ct, Olesen Dr, Brookline Ct, Maxwell Dr, Tellis Ln, Derby Dr | $882 |
| N Brainard St, Chickasaw Dr, Prentiss Dr, Foxcroft Rd, Dumoulin Ave, Inca Ct, Foxboro Dr, Mason Ln, Lantern Cir, Janes Ct | $872 |
| Wehrli Rd, Ticonderoga Ln, Cloverleaf Ct, Slippery Rock Rd, Mayflower Ave, Leask Ln, Woodfield Ct, Russell Dr, James Ln, Dogwood Dr | $832 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Lisle | $125 to $128 |
| Woodridge | $121 |
| Naperville | $130 |
| DuPage County | $124 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,700 | $3,700 |
| Yearly Lisle Homeowner Insurance Premium Example | $1,700 | $1,300 |
| Out of Pocket Expense During Claim | $1,700 | $3,700 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $15,300 | $14,100 |
| Net Savings to Lisle Home Owner from High Deductible Plan | $1,200 | |
| Scenario | Lisle, IL Home Replacement Value MORE than Home Value | Lisle, IL Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $277,500 | $180,000 |
| Insurance Premium based on Replacement Value | $1,100 | $725 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $63,500 | Risk Exposure from Under Insuring Coverage is $34,000 |
| Premium Impact | Insurance cheaper by $125/year | Insurance costlier by $250/year |
| Insurance Company | Amica Mutual Insurance Company | Travelers | State Farm |
| Monthly Premium | 185 | 93 | 71 |
| Year Built | 1983 | 1974 | 1990 |
| Home Details | 4 Beds, 2 Baths | 3 Beds, 2 Baths | 2 Beds, 1 Baths |
| Coverage Amount | $400000-$500000 | $200000-$250000 | $200000-$250000 |
| Deductible | $500- $1000 Deductible | $500 Deductible | $2500-$5000 Deductible |