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.
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Latest Home Insurance Reviews
Geico
They have the best prices around. i have searched and haven't found anything cheaper than this. especially for what the policy offers.
Allstate
I 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.
Geico
I 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.
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 |
| 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 |
