Lyons, IL Home Insurance - Analysis On Quotes, Rates & Agents
Lyons Insurance Rates:
Lyons, IL homeowners insurance is approximately $697 to $947, about $58-$78/month. Our exhaustive guide reveals consumers can save as much as $328 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Lyons, IL Homeowners Insurance By Home Value
| Lyons, IL Home Value | Total Homes | % of Total | Average Lyons, IL Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 1,424 | 7.0% | $65 |
| $90,000 to $99,999 | 203 | 1.0% | $263 |
| $100,000 to $124,999 | 998 | 4.0% | $312 |
| $125,000 to $149,999 | 1,067 | 5.0% | $386 |
| $150,000 to $174,999 | 2,426 | 11.0% | $460 |
| $175,000 to $199,999 | 1,877 | 9.0% | $534 |
| $200,000 to $249,999 | 3,866 | 19.0% | $641 |
| $250,000 to $299,999 | 3,013 | 14.0% | $780 |
| $300,000 to $399,999 | 4,835 | 23.0% | $994 |
Top Home Insurance Agents Near Lyons, IL
| Home Insurance Company Near Lyons, IL | Homeowners Insurance Agency Near Lyons, IL | Address |
|---|---|---|
| NA | Laadt & Co | 1010 Lake St Ste 509 , Oak Park, IL, 60301 |
| Allstate | Alma West | 18430 S Halsted St Ste 208B, Glenwood, IL, 60425 |
| Travelers | Indesure Inc | 650 ROOSEVELT RD 102, GLEN ELLYN, IL, 60137 |
| State Farm | Jorge Frausto | 1839 W Cermak Rd, Chicago, IL, 60608-4303 |
| Allstate | Lou Stavroplus | 1226 N Roselle Rd Ste A, Schaumburg, IL, 60195 |
Lyons, IL Home Insurance Agents for Top Companies
Cost Of Homeowners Insurance By Street Near Lyons, IL
| Streets in Lyons Area | Homeowners Insurance Cost |
|---|---|
| Lawn Dr, Archer Rd, Longview Dr, Sholer Ave, 54th St, Stalford Rd, Lynn Ave, Shields Ave, Villiage Center Dr, Steeple Hill Dr | $849 |
| Scenic Dr, Christeen Dr, S 77th Ave, Harlem Dr, W Harris Ave, W Jackson Ave, Santa Fe Ln, W Plainfield Rd, Bills Ln, 77th Ct | $868 |
| S Franklin Ave, E Goodman Ave, Shakespeare Ave, Deyo Ave, W Lawndale Ave, N Edgewood Ave, Cliffside Circle Dr, 59th Pl, Woodside Ave, Riverview Ave | $779 |
| Country Club W, Santa Fe Dr, Caroline Ave, Anna Ave, N Catherine Ave, Leona, Keokuk Rd, Merry Ct, Elm Ln, Independence Dr | $828 |
| 48th St, Potawatome Trl, 51st St, Woodview Rd, Stone Ave, E 7th St, Hunt Ave, Carr Ct, Nueport Ct S, Shawnee Trl | $861 |
Lyons, IL Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Lyons | $122 to $125 |
| Hodgkins | $106 |
| Countryside | $118 |
| McCook | $120 |
Lyons, 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 |
|---|---|---|---|
| Hodgkins village, Illinois | $106 | $141 | $212 |
| Countryside city, Illinois | $119 | $158 | $237 |
| McCook village, Illinois | $120 | $160 | $240 |
Lyons, 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 |
|---|---|---|
| Lyons, IL | 3.2% | 9.5% |
| Hodgkins | 3.78% | 8.82% |
| Countryside | 4.12% | 10.13% |
| McCook | 3.0% | 9.61% |
Lyons Renters Insurance as a Percentage of Rent
| Lyons Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $300 to $499 | 123 | 1.0% | $1207 |
| $500 to $749 | 1,566 | 16.0% | $1882 |
| $750 to $999 | 4,569 | 47.0% | $2632 |
| $1,000 to $1,499 | 2,570 | 26.0% | $3757 |
| $1,500 or more | 788 | 8.0% | $5407 |
Lyons, IL Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $700 | $2,700 |
| Yearly Lyons Homeowner Insurance Premium Example | $1,700 | $1,300 |
| Out of Pocket Expense During Claim | $700 | $2,700 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $12,600 | $11,800 |
| Net Savings to Lyons Home Owner from High Deductible Plan | $800 | |
Lyons, IL Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Lyons, IL Home Replacement Value MORE than Home Value | Lyons, IL Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $236,000 | $167,000 |
| Insurance Premium based on Replacement Value | $1,300 | $925 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $25,000 | Risk Exposure from Under Insuring Coverage is $44,000 |
| Premium Impact | Insurance cheaper by $250/year | Insurance costlier by $125/year |
Example Lyons Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Nationwide Insurance | Amica Mutual Insurance Company | Allstate |
| Monthly Premium | 135 | 55 | 145 |
| Year Built | 1976 | 1948 | 1962 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 2 Baths | 5 Beds, 1 Baths |
| Coverage Amount | $300000-$350000 | $175000-$200000 | $600000-$700000 |
| Deductible | $500 Deductible | $5000 to $10,000 Deductible | > $10,000 Deductible |
Sample Home Insurance Rates for Lyons, IL from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1963 | 255,000 | Tile Roof | 2,090 | 5 | $1000-$2500 Deductible | 190 | 2 | Fiber-Cement Siding | No |
| 1967 | 620,000 | Tile Roof | 4,340 | 5 | $5000 to $10,000 Deductible | 270 | 2 | Brick siding | yes |
| 1978 | 245,000 | Asphalt Shingles Roof | 1,400 | 3 | $1000-$2500 Deductible | 440 | 5 | Wood siding | No |
| 1997 | 290,000 | Tile Roof | 1,930 | 3 | $2500-$5000 Deductible | 390 | 4 | Wood siding | yes |
| 1972 | 270,000 | Shingles Roof | 2,220 | 4 | $2500-$5000 Deductible | 460 | 7 | Brick siding | yes |
| 1989 | 205,000 | Shingles Roof | 1,550 | 5 | $5000 to $10,000 Deductible | 380 | 6 | Stone Siding | yes |
| 2012 | 480,000 | Shingles Roof | 2,870 | 4 | > $10,000 Deductible | 860 | 8 | Brick siding | yes |
| 1983 | 360,000 | Tile Roof | 2,120 | 4 | $500 Deductible | 1580 | 12 | Fiber-Cement Siding | No |
| 1949 | 450,000 | Metal Roof | 2,880 | 5 | $1000-$2500 Deductible | 1710 | 7 | Fiber-Cement Siding | yes |
| 1945 | 570,000 | Composition Roof | 3,210 | 4 | $500- $1000 Deductible | 1060 | 4 | Fiber-Cement Siding | yes |
| 2012 | 505,000 | Slate Shingles Roof | 3,210 | 5 | $2500-$5000 Deductible | 1080 | 8 | Wood siding | yes |
| 2011 | 450,000 | Metal Roof | 2,740 | 4 | $500 Deductible | 640 | 4 | Fiber-Cement Siding | yes |
| 1995 | 415,000 | Metal Roof | 2,760 | 4 | $5000 to $10,000 Deductible | 450 | 3 | Stone Siding | yes |
| 1999 | 270,000 | Composition Roof | 2,210 | 4 | $500 Deductible | 150 | 1 | Vinyl siding | yes |
| 1977 | 265,000 | Slate Shingles Roof | 1,670 | 3 | $1000-$2500 Deductible | 240 | 2 | Wood siding | yes |
| 1975 | 190,000 | Tile Roof | 1,240 | 3 | $1000-$2500 Deductible | 850 | 12 | Vinyl siding | No |
| 1982 | 305,000 | Asphalt Shingles Roof | 2,270 | 4 | $2500-$5000 Deductible | 880 | 10 | Wood siding | No |
| 1981 | 190,000 | Tile Roof | 1,430 | 3 | $2500-$5000 Deductible | 470 | 10 | Stone Siding | yes |
| 1991 | 360,000 | Asphalt Shingles Roof | 2,320 | 3 | $5000 to $10,000 Deductible | 1130 | 12 | Wood siding | yes |
| 1989 | 215,000 | Shingles Roof | 1,670 | 3 | $1000-$2500 Deductible | 140 | 2 | Fiber-Cement Siding | No |
| 1970 | 570,000 | Composition Roof | 3,190 | 5 | $500 Deductible | 680 | 3 | Brick siding | No |
| 1978 | 210,000 | Asphalt Shingles Roof | 1,720 | 3 | $500 Deductible | 90 | 1 | Stone Siding | yes |
| 1940 | 575,000 | Composition Roof | 3,240 | 4 | > $10,000 Deductible | 610 | 4 | Vinyl siding | No |
| 1940 | 230,000 | Metal Roof | 1,760 | 4 | $500- $1000 Deductible | 120 | 1 | Vinyl siding | yes |
| 2013 | 305,000 | Composition Roof | 2,190 | 4 | $2500-$5000 Deductible | 650 | 8 | Wood siding | No |
| 2011 | 385,000 | Wood Shake Roof | 3,020 | 5 | $500- $1000 Deductible | 1570 | 12 | Brick siding | yes |
| 1973 | 245,000 | Metal Roof | 2,060 | 5 | $1000-$2500 Deductible | 160 | 2 | Vinyl siding | No |
| 1967 | 420,000 | Asphalt Shingles Roof | 3,500 | 5 | $5000 to $10,000 Deductible | 620 | 6 | Vinyl siding | No |
| 1976 | 360,000 | Shingles Roof | 2,020 | 4 | $2500-$5000 Deductible | 130 | 1 | Brick siding | No |
| 1945 | 815,000 | Slate Shingles Roof | 4,820 | 5 | $500 Deductible | 1650 | 6 | Stone Siding | yes |
| 1967 | 430,000 | Metal Roof | 2,112 | 4 | > $10,000 Deductible | 1640 | 6 | Wood siding | yes |
Latest Home Insurance Reviews
Liberty MutualIT HELPS SAVE A GOOD AMOUNT ON ANNUAL INSURANCE PREMIUMS AND OFFERS PLENTY OF DISCOUNT OPTIONS FOR POLICY BUNDLING AND GOING FOR CLAIMS-FREE FOR A CERTAIN PERIOD.
American FamilyI do not like that it takes three to four people on the phone before you get the person who knows what they're doing and how to fix your problem.
Farmer's InsuranceOur farmers insurance agent is very quick and responsive whenever we have questions or concerns about our home insurance policy.
State FarmMy insurance company has a bunch of greedy people! i have been trying to settle a flooding claim for over a year and they still do not want to pay for damages covered under my insurance.
NationwideSomething thing that i absolutely love about nationwide is how they work with my payments. my insurance is escrowed as part of my monthly mortgage payments.
American Strategic InsuranceThe biggest thing I like is that even though the home insurance isn't technically progressive, I can still access it through the Progressive app. I like having things streamlined.
Erie InsuranceThe customer service is great. I have an office close to my home. I go in there and pay my bills and if I have any questions, they always help me.
GeicoPOOR COMMUNICATION AND FOLLOW-UP FROM ERIE INSURANCE MAKES EVERYTHING FRUSTRATING. THEY HAVE NO SUPPORT OR FOLLOW THROUGH. AS A CUSTOMER, YOU FEEL LIKE YOU'RE ON YOUR OWN.
AaaI still give a 4, however I do wish they had a mobile app that would work on my phone or make their web app mobile device friendly. Their wait times to speak with someone could be shorter too.
Erie InsuranceThey offer a competitive rate and are better than the other companies that I shopped around with when I was looking for insurance.
State FarmThey don't seem very smart and it makes us question why we went with this company over a smaller company because we are just another customer to them.
State FarmI don't like customer service and mobile app services and auto payments services and worst help form office staff and their neglects behavior.
GeicoGeico is a well-known company, and I had used them before I ever used them for home insurance for vehicle insurance and have had no problems so OK Geico, awesome thanks for being my number one insurance company.
State FarmI have had good service with adequate cost, so I have no complaints. I would recommend to family and friends.
AllstateI would recommend Allstate insurance company as not only do they had some of the lowest rates for that home and auto insurance,, but they have a very friendly customer service that you can reach anytime of the day.
Homesite InsuranceOverall, they have been great! Easy to deal with and to reach. I feel like if we had something major to occur that there would be no problem getting help as soon as possible.
GeicoIf there ever was anything to dislike it would be the due date of my bill but that is simple and I can change that on my own. I love the company I use.
NationwideThey seem upfront and honest when you are on the phone with them. The prices are the best in the area and they have excellent customer service.
Erie InsuranceCompared to other home insurance companies, my company offered a robust policy, including both the house and property insurances. The deduction amount is also flexible to the customers.