Niles, IL Home Insurance - Analysis On Quotes, Rates & Agents
Niles Insurance Rates:
Niles, IL homeowners insurance is nearly $711 to $966, about $59-$80/month. Our all inclusive analysis shows customers can save as much as $335 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
GeicoThey have the best prices around. i have searched and haven't found anything cheaper than this. especially for what the policy offers.
AllstateI did not like that they would not cover/ assist with my toilet that needed to be repaired because it's not covered "under" the policy.
GeicoI like that they have an app i can use on my phone. the app is very user-friendly and makes contact with the company very easy.
AllstateI find the website easy to navigate. I do not have any problems finding the information that I am looking for when I am using their app.
AllstateSaving as much money as I do every year by going with this company is enough to make any person happy. The extra friendly agents and staff are just icing on the cake. I have not one complaint about this company and would recommend them to anyone asking me whom I use for my auto and homeowners insurance.
State FarmI have nothing to dislike with my insurance company. I have never had a problem that couldn't be solved in a prompt and easy manner
GeicoEvery time I CALL THEY ANSWER MY PHONE CALL WITH COURTEOUS DIGNITY SO LIKE I SAID I CAN NOT COMPLAIN ABOUT ANYTHING TO DO WITH CUSTOMER SERVICE THEY TREAT ME GOOD
American FamilyI don't have any complaints about them other than their website and mobile app. The website is a bit hard to navigate sometimes as the layout makes it a bit confusing to figure out.
State FarmI enjoy the policy in what it covers and what the price is overall for the coverage that it does bring. It's an excellent company
AaaMy agent is the same one I've had for about 20 years. She looks for discounts for me. On those rare occasions when I've had to make a claim, it's been handled cheerfully and quickly.
State FarmThis company provides insurance specifically for tiny homes, differentiating it from other companies who, at the moment, do not provide coverage for homes like mine, or provide coverage with insanely high premiums.
AllstateI like that it's easy and convenient to use, however, I have never really had to use it yet.
ProgressiveI like that in spite of their mistakes they are people who correct and improve to give a better service to people
State FarmIt's a well known, nationwide company. They are quick to resolve issues and I have many friends and family that use them.
AaaWe have had an extremely high level of service while not being forced to pay a very high monthly premium. We plan to stick with AAA for the foreseeable future.
Safeco InsuranceOne thing I dislike about the company is how expensive it is. Even though it's the cheapest, they can do much better. If I were to live in that house for 30 years, I would have paid over 40,000 in premiums.
Grange Insurancei would recommend this company to anyone, they are fantastic. Their rates are higher than other service providers, but worth it if you can afford it.
West Bend Mutual InsuranceYes, because when compared to other major insurance companies, West Bend is offering the same level of coverage at a similar price. Our experience with customer services has also been positive.
ProgressiveThey are a great company to do business with. They offer great options for home insurance and also the customer service is great to work with.
Homesite InsuranceWe have been with the same company since 2002. I don't really have any complaints about them. I even have the same woman that Has always worked with me
State Farmthey are offering more coverage and that too specifically related to interiors of the home and medical help too. overall they are ok in terms of coverage when compared to others in the market.
AllstateI have been with them for a long time and get a discount for also having my auto policies with them
AllstateI dislike how the customer service reps sometimes tend to call numerous times just to get in touch with you. Instead of leaving a message and waiting for you to return their call, they sometimes call over and over again until they get ahold of you.
ProgressiveI recommend Progressive to everyone mainly based on price and customer service. If people comparison shop they will come to the same conclusion.
Niles, IL Homeowners Insurance By Home Value
| Niles, IL Home Value | Total Homes | % of Total | Average Niles, IL Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 536 | 2.0% | $58 |
| $100,000 to $124,999 | 668 | 3.0% | $284 |
| $125,000 to $149,999 | 674 | 3.0% | $351 |
| $150,000 to $174,999 | 1,260 | 5.0% | $419 |
| $175,000 to $199,999 | 1,028 | 4.0% | $486 |
| $200,000 to $249,999 | 3,490 | 16.0% | $578 |
| $250,000 to $299,999 | 4,711 | 21.0% | $712 |
| $300,000 to $399,999 | 8,636 | 39.0% | $905 |
Top Home Insurance Agents Near Niles, IL
| Home Insurance Company Near Niles, IL | Homeowners Insurance Agency Near Niles, IL | Address |
|---|---|---|
| Allstate | Asim Hamidi | 507 Fairway Dr Ste 119, Naperville, IL, 60563 |
| Travelers | Four Winds Insurance Services Llc | 20635 ABBEY WOODS CT STE 303, FRANKFORT, IL, 60423 |
| Travelers | Manta & Hurst Inc | 3026 45TH AVE, HIGHLAND, IN, 46322 |
| Travelers | Neis Insurance Agency Inc | 45 N Virginia Street, Crystal Lake, IL, 60014 |
| Travelers | Stringham Insurance Agency Ltd | 19646 Wolf Road, Mokena, IL, 60448 |
Cost Of Homeowners Insurance By Street Near Niles, IL
| Streets in Niles Area | Homeowners Insurance Cost |
|---|---|
| Frontage Rd E, Farwell Ave, Longmeadow Ave, Little Oak Path, N Rosemary Ave, W Cleveland St, Floral Ave, Harvard Ter, Highland Pl, George Ct | $903 |
| Avalon Dr, N Lexington Ln, N Minnehaha Ave, N Capitol Dr, Loyola Ave, McVickers Ave, Louise Ave, Wright Ter, E Prairie Rd, Rollwind Rd | $831 |
| Niles Ave, Elmwood St, Harmswood Ter, Manor Ct, N Rosemary Ln, Ferris Ave, Kenneth Ter, Marmora Ave, Bobolink Ter, W Niles Ave | $830 |
| Coronet Rd, Russett Ln, Cherry Pkwy, Salem Cir, Little Elm Bend, Four Winds Way, Salem Ln, N Days Ter, N Franks Ave, Clifford Ter | $813 |
| N Shermer Rd, Williamsburg Rd, N Bellefort Pl, Suffield Ter, Fernald Ave, W Lee St, Hamton Ave, Hennings Ct, W Mulford St, Keeney Ct | $819 |
Niles, IL Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Niles | $125 to $128 |
| Skokie | $125 |
| Morton Grove | $126 |
| Lincolnwood | $130 |
Niles, 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 |
|---|---|---|---|
| Skokie village, Illinois | $104 | $139 | $208 |
| Morton Grove village, Illinois | $105 | $140 | $210 |
| Lincolnwood village, Illinois | $109 | $145 | $218 |
Niles, 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 |
|---|---|---|
| Niles, IL | 3.0% | 9.5% |
| Skokie | 2.97% | 9.38% |
| Morton Grove | 3.16% | 9.63% |
| Lincolnwood | 2.46% | 7.27% |
Niles Renters Insurance as a Percentage of Rent
| Niles Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 174 | 2.0% | $298 |
| $200 to $299 | 125 | 1.0% | $748 |
| $300 to $499 | 209 | 2.0% | $1198 |
| $500 to $749 | 523 | 6.0% | $1873 |
| $750 to $999 | 1,856 | 24.0% | $2623 |
| $1,000 to $1,499 | 2,990 | 39.0% | $3748 |
| $1,500 or more | 1,621 | 21.0% | $5398 |
Niles, IL Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $800 | $2,800 |
| Yearly Niles Homeowner Insurance Premium Example | $1,600 | $1,100 |
| Out of Pocket Expense During Claim | $800 | $2,800 |
| Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim | $8,800 | $8,300 |
| Net Savings to Niles Home Owner from High Deductible Plan | $500 | |
Niles, IL Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Niles, IL Home Replacement Value MORE than Home Value | Niles, IL Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $298,500 | $194,500 |
| Insurance Premium based on Replacement Value | $1,550 | $1,000 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $72,000 | Risk Exposure from Under Insuring Coverage is $32,000 |
| Premium Impact | Insurance cheaper by $175/year | Insurance costlier by $375/year |
Example Niles Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | GEICO Insurance | Farmers Insurance | Chubb Group of Insurance |
| Monthly Premium | 148 | 153 | 110 |
| Year Built | 1967 | 1974 | 1961 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 2 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $350000-$400000 | $400000-$500000 | $300000-$350000 |
| Deductible | $1000-$2500 Deductible | $500 Deductible | $2500-$5000 Deductible |
Sample Home Insurance Rates for Niles, IL from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1961 | 305,000 | Metal Roof | 1,920 | 3 | > $10,000 Deductible | 90 | 1 | Stucco siding | No |
| 1970 | 225,000 | Tile Roof | 1,660 | 5 | $2500-$5000 Deductible | 920 | 12 | Stucco siding | yes |
| 1969 | 415,000 | Composition Roof | 2,130 | 4 | $1000-$2500 Deductible | 290 | 2 | Brick siding | No |
| 1964 | 215,000 | Asphalt Shingles Roof | 1,520 | 3 | $2500-$5000 Deductible | 450 | 8 | Fiber-Cement Siding | No |
| 1971 | 955,000 | Composition Roof | 4,950 | 5 | $500- $1000 Deductible | 1570 | 4 | Stone Siding | No |
| 1967 | 500,000 | Asphalt Shingles Roof | 3,270 | 5 | $5000 to $10,000 Deductible | 290 | 2 | Stucco siding | No |
| 1970 | 300,000 | Tile Roof | 2,070 | 3 | $500 Deductible | 1410 | 9 | Stone Siding | No |
| 1971 | 200,000 | Metal Roof | 1,400 | 3 | $500 Deductible | 380 | 5 | Vinyl siding | No |
| 1969 | 365,000 | Slate Shingles Roof | 2,110 | 5 | $1000-$2500 Deductible | 360 | 4 | Wood siding | No |
| 1976 | 410,000 | Composition Roof | 2,210 | 4 | $500- $1000 Deductible | 1210 | 8 | Stucco siding | No |
| 1963 | 265,000 | Wood Shake Roof | 1,640 | 4 | $500 Deductible | 520 | 5 | Stucco siding | yes |
| 1977 | 480,000 | Wood Shake Roof | 3,110 | 5 | $1000-$2500 Deductible | 670 | 6 | Brick siding | No |
| 1973 | 290,000 | Asphalt Shingles Roof | 2,010 | 4 | $500- $1000 Deductible | 1700 | 12 | Fiber-Cement Siding | No |
| 1971 | 420,000 | Shingles Roof | 2,270 | 5 | $2500-$5000 Deductible | 160 | 1 | Stucco siding | yes |
| 1973 | 205,000 | Metal Roof | 1,260 | 3 | $500- $1000 Deductible | 110 | 2 | Wood siding | yes |
| 1976 | 200,000 | Wood Shake Roof | 1,370 | 3 | $5000 to $10,000 Deductible | 300 | 8 | Stucco siding | yes |
| 1960 | 310,000 | Slate Shingles Roof | 1,700 | 4 | > $10,000 Deductible | 410 | 5 | Vinyl siding | yes |
| 1964 | 400,000 | Shingles Roof | 2,520 | 4 | $1000-$2500 Deductible | 1460 | 8 | Stone Siding | yes |
| 1970 | 515,000 | Tile Roof | 2,830 | 5 | $5000 to $10,000 Deductible | 1620 | 12 | Wood siding | No |
| 1967 | 315,000 | Slate Shingles Roof | 1,640 | 5 | $500 Deductible | 550 | 6 | Stucco siding | No |
| 1963 | 290,000 | Wood Shake Roof | 2,060 | 3 | $500 Deductible | 1170 | 9 | Stone Siding | No |
| 1971 | 900,000 | Metal Roof | 4,900 | 5 | $2500-$5000 Deductible | 1900 | 8 | Brick siding | No |
| 1977 | 415,000 | Wood Shake Roof | 2,740 | 5 | $2500-$5000 Deductible | 870 | 8 | Stucco siding | No |
| 1978 | 445,000 | Tile Roof | 2,380 | 3 | $500 Deductible | 1210 | 6 | Stucco siding | No |
| 1968 | 500,000 | Composition Roof | 2,560 | 5 | > $10,000 Deductible | 530 | 5 | Stone Siding | yes |
| 1964 | 380,000 | Metal Roof | 2,480 | 4 | > $10,000 Deductible | 280 | 4 | Vinyl siding | No |
| 1977 | 435,000 | Metal Roof | 2,910 | 5 | $2500-$5000 Deductible | 120 | 1 | Fiber-Cement Siding | No |
| 1973 | 450,000 | Slate Shingles Roof | 2,850 | 4 | $500- $1000 Deductible | 1000 | 5 | Stone Siding | yes |
| 1968 | 945,000 | Slate Shingles Roof | 4,820 | 5 | $500 Deductible | 3840 | 9 | Fiber-Cement Siding | yes |
| 1979 | 570,000 | Composition Roof | 2,880 | 4 | > $10,000 Deductible | 1060 | 10 | Wood siding | yes |