Litchfield Insurance Rates:

Litchfield, IL homeowners insurance is nearly $611 to $832, about $50-$69/month. Our complete analysis reveals consumers can save upto $288 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Litchfield, IL Homeowners Insurance By Home Value

Litchfield, IL Home Value Total Homes % of Total Average Litchfield, IL Homeowners Insurance
Less than $50,000 381 18.0% $223
$50,000 to $59,999 278 13.0% $476
$60,000 to $69,999 240 11.0% $592
$70,000 to $79,999 176 8.0% $685
$80,000 to $89,999 192 9.0% $779
$90,000 to $99,999 160 7.0% $873
$100,000 to $124,999 174 8.0% $1010
$125,000 to $149,999 140 6.0% $1263
$150,000 to $174,999 134 6.0% $1494
$175,000 to $199,999 49 2.0% $1718
$200,000 to $249,999 70 3.0% $2072
$300,000 to $399,999 57 2.0% $3212

Top Home Insurance Agents Near Litchfield, IL

Home Insurance Company Near Litchfield, IL Homeowners Insurance Agency Near Litchfield, IL Address
NA Insurance Sol Of St Louis Dba The Milburn Agency 100 St Francois St #207, Florissant, MO, 63031
State Farm Fredia Hawthorne 2901 Stanton, Springfield, IL, 62703-4314
Allstate German Insurance 850 S State Front Pl, Jerseyville, IL, 62052
State Farm John Williams 520 N Main St, Carrollton, IL, 62016-1027
Travelers Norris Insurance Agency 801 ST FRANCOIS, FLORISSANT, MO, 63031

Cost Of Homeowners Insurance By Street Near Litchfield, IL

Streets in Litchfield Area Homeowners Insurance Cost
N Monroe St, N Harrison St, Phillips Trl, E Columbian, A St, N Jefferson St, Greens Ave, N Adams St, Chestnut St, Locust St$737
Suits Ln, Kirk Dr, S Brown St, Westwood Dr, Co Rd 1125 N, E Martin St, Park Rd, Elevator Rd, McKinley Ave, Farm Trl$758
Interurban Cir, W Chapin St, Sallee Ave, Co Rd 50 N, W Sargent St, Dog Ln, S Adams St, Mt Olive Trl, Clear Spring Ln, Rocky Hollow Trl$733
Burnap St, Scherer St, Commercial St, W County Line Rd, S Clinton St, Co Rd 600 E, Co Rd 1075 N, Water St, Hartke Ln, Co Rd 295 E$737
Co Rd 650 E, E Hauser St, Co Rd 1350 N, Co Hwy 14, Gerdes Ln, Co Rd 400 E, E Park Pl, Lark Trl, Waresgrove Ave, N Maple St$720

Litchfield, IL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Litchfield$107 to $110
North Litchfield$109
South Litchfield$107
Honey Point$110

Litchfield, 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
North Litchfield township, Montgomery County, Illinois $110 $146 $219
South Litchfield township, Montgomery County, Illinois $107 $143 $215
Honey Point township, Macoupin County, Illinois $110 $147 $221

Litchfield, 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
Litchfield, IL6.4%15.8%
North Litchfield5.63%14.28%
South Litchfield7.22%17.37%
Butler Grove5.67%11.49%

Litchfield Renters Insurance as a Percentage of Rent

Litchfield Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 46 4.0% $359
$200 to $299 70 7.0% $809
$300 to $499 176 18.0% $1259
$500 to $749 456 47.0% $1934
$750 to $999 188 19.0% $2684
$1,000 to $1,499 11 1.0% $3809
$1,500 or more 23 2.0% $5459

Litchfield, IL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,600$3,600
Yearly Litchfield Homeowner Insurance Premium Example $1,200$700
Out of Pocket Expense During Claim$1,600$3,600
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $7,600$7,100
Net Savings to Litchfield Home Owner from High Deductible Plan $500

Litchfield, IL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Litchfield, IL Home Replacement Value MORE than Home Value Litchfield, IL Home Replacement Value LESS than Home Value
Replacement Value $148,000 $107,000
Insurance Premium based on Replacement Value $850 $625
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $17,500 Risk Exposure from Under Insuring Coverage is $23,500
Premium Impact Insurance cheaper by $125/year Insurance costlier by $100/year

Example Litchfield Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceState FarmLiberty Mutual
Monthly Premium 403737
Year Built 196419521949
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths3 Beds, 1 Baths
Coverage Amount $75000-$100000$125000-$150000$75000-$100000
Deductible $500 Deductible$2500-$5000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1979 185,000 Membrane Roof 2,720 4 $2500-$5000 Deductible 540 10 Wood siding yes
1982 115,000 Shingles Roof 1,830 4 $1000-$2500 Deductible 90 2 Stone Siding No
1988 165,000 Wood Shake Roof 2,850 4 $500- $1000 Deductible 620 8 Wood siding yes
1963 220,000 Membrane Roof 3,220 4 $500 Deductible 700 6 Stucco siding yes
1980 70,000 Membrane Roof 1,280 3 $2500-$5000 Deductible 20 1 Fiber-Cement Siding No
1968 185,000 Shingles Roof 3,000 4 $500- $1000 Deductible 160 2 Vinyl siding No
1979 105,000 Shingles Roof 1,860 4 $500 Deductible 160 4 Brick siding No
1962 185,000 Metal Roof 3,150 4 $2500-$5000 Deductible 430 9 Stone Siding yes
1987 215,000 Shingles Roof 3,080 4 $500 Deductible 540 6 Wood siding No
1956 190,000 Tile Roof 3,190 4 $1000-$2500 Deductible 120 2 Brick siding yes
1970 125,000 Tile Roof 1,790 3 $500- $1000 Deductible 100 2 Stucco siding yes
1976 100,000 Tile Roof 1,740 3 $1000-$2500 Deductible 70 2 Vinyl siding No
2012 170,000 Shingles Roof 2,680 4 $500 Deductible 340 3 Stone Siding No