Oak Park, IL Home Insurance - Analysis On Quotes, Rates & Agents
Oak Park Insurance Rates:
Oak Park, IL homeowners insurance is about $728 to $993, about $60-$82/month. Our exhaustive research indicates shoppers can save upto $344 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
Farmer's InsuranceIf you need a human that has compassion and is not trying to "get" you, ours would be ideal. I'm very satisfied.
Erie InsuranceThe people who own my apartment complex offer insurance. They do answer questions when I contact them but the wait time is long and takes weeks sometimes to get a response.
AaaThis was the cheapest price when compared to other companies that were reviewed, but they also had some of the best coverage.
Erie InsuranceThe home insurance policy is not very strong and the covered items seemed less compared to other companies.
AaaIt's reliable, and never had an issue trying to get claims in the past for auto. I would imagine the same would apply for home insurance as well. i have been with them for a long time an do not see a need to switch.
NationwideI recommend using Nationwide for home insurance for everyone that is in the same situation as me. Of course you will need to personalize the service to you, but I have been very pleased so far.
Geicoeico customers are largely satisfied with the policies they receive through the partner insurers, especially when it comes to price. Policies purchased through Geico consistently offer affordable rates.
GeicoI did a geico quote online and later that week i was contacted by a representative who found all kinds of savings. one being having excellent driving experience. need to say i was very happy with the outcome and i'm very happy to be a part of the geico family and they welcomed me with open arms.
AaaPayment options are nice to get a money. Genuine business b/w the customers. The claim process is easiest one compared to other companies.
AllstateAllstate is sometimes over priced compared to their competitors and if you did not receive the discounts it not be worth it.
Farmer's InsuranceI am pretty happy with this company so far. The staff is very well informed and very efficient. They know exactly whatever information I might need. They are very responsive and I never had to wait for more than a few minutes before I received a reply from them. Aside from that, they're easy to talk to and they're able to explain the tough terminologies to me. I'm not really a technical legalese person, so I highly appreciate that they could explain things to me like I'm five.
State FarmI am very satisfied with my company's website. It's easy to use and I can always call the office if I need help.
Erie InsuranceRecommend since all insurance companies are just a bunch of thieves. They all take sky high premiums and then drop you as soon as you file a claim. What a racket.
Amica Mutual InsuranceAmica was comparable in price and had better reviews for customer service compared to other insurance providers we were able to find on the internet.
Oak Park, IL Homeowners Insurance By Home Value
| Oak Park, IL Home Value | Total Homes | % of Total | Average Oak Park, IL Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 144 | 1.0% | $51 |
| $80,000 to $89,999 | 96 | 1.0% | $197 |
| $90,000 to $99,999 | 131 | 1.0% | $215 |
| $100,000 to $124,999 | 341 | 4.0% | $249 |
| $125,000 to $149,999 | 314 | 4.0% | $318 |
| $150,000 to $174,999 | 846 | 11.0% | $378 |
| $175,000 to $199,999 | 500 | 6.0% | $430 |
| $200,000 to $249,999 | 1,110 | 14.0% | $524 |
| $250,000 to $299,999 | 1,224 | 16.0% | $636 |
| $300,000 to $399,999 | 2,790 | 36.0% | $808 |
Top Home Insurance Agents Near Oak Park, IL
| Home Insurance Company Near Oak Park, IL | Homeowners Insurance Agency Near Oak Park, IL | Address |
|---|---|---|
| Allstate | Barbara J. Brown | 2405 183rd St, Homewood, IL, 60430 |
| Travelers | Brown Insurance Group | 9105a Indianapolis Blvd # 300, Highland, IN, 46322 |
| State Farm | Debbie Luscombe | 15742 S Bell Rd, Homer Glen, IL, 60491-8400 |
| Allstate | Jerome Heidkamp | 9708 S Cicero Ave, Oak Lawn, IL, 60453 |
| Travelers | Jkm Services Ltd | 432 W MADISON, LOMBARD, IL, 60148 |
Oak Park, IL Home Insurance Agents for Top Companies
Cost Of Homeowners Insurance By Street Near Oak Park, IL
| Streets in Oak Park Area | Homeowners Insurance Cost |
|---|---|
| N Hayes Ave, S Wenonah Ave, S Scoville Ave, S Carpenter Ave, N Euclid Ave, Augusta Blvd, Schneider Ave, S Wesley Ave, S Humphrey Ave, Pleasant Pl | $857 |
| S Scoville Ave, S Humphrey Ave, Greenfield St, S Wenonah Ave, Greenway Dr, Garfield St, N Euclid Ave, Garfield St, S Marion St, Frank Lloyd Wright Ln | $792 |
| Le Moyne Pkwy, S Harvey Ave, S Taylor Ave, N Marion Ct, Fair Oaks Ave, N Woodbine Ave, Ontario St, Mapleton Ave, Rossell Ave, North Blvd | $971 |
| N Taylor Ave, Baldwin Ln, S Clinton Ave, S Cuyler Ave, N Rossell Ave, N Scoville Ave, S Taylor Ave, N Humphrey Ave, Lemoyne Pkwy, Westgate | $853 |
| N Harvey Ave, S Harvey Ave, Ontario St, Lemoyne Pkwy, Fair Oaks Ave, Augusta Blvd, S Taylor Ave, Flournoy St, S Harvey Ave, Erie Ct | $837 |
Oak Park, IL Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Oak Park | $128 to $131 |
| River Forest | $144 |
| Forest Park | $118 |
| Elmwood Park | $120 |
Oak Park, 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 |
|---|---|---|---|
| River Forest village, Illinois | $144 | $192 | $288 |
| Forest Park village, Illinois | $119 | $158 | $237 |
| Elmwood Park village, Illinois | $120 | $160 | $240 |
Oak Park, 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 |
|---|---|---|
| Oak Park, IL | 2.9% | 7.6% |
| River Forest | 2.44% | 8.02% |
| Forest Park | 3.78% | 12.34% |
| Elmwood Park | 3.5% | 10.55% |
Oak Park Renters Insurance as a Percentage of Rent
| Oak Park Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 285 | 3.0% | $737 |
| $300 to $499 | 318 | 3.0% | $1187 |
| $500 to $749 | 839 | 10.0% | $1862 |
| $750 to $999 | 2,606 | 32.0% | $2612 |
| $1,000 to $1,499 | 2,678 | 33.0% | $3737 |
| $1,500 or more | 1,201 | 15.0% | $5387 |
Oak Park, IL Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,000 | $7,000 |
| Yearly Oak Park Homeowner Insurance Premium Example | $3,700 | $2,700 |
| Out of Pocket Expense During Claim | $1,000 | $7,000 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $26,900 | $25,900 |
| Net Savings to Oak Park Home Owner from High Deductible Plan | $1,000 | |
Oak Park, IL Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Oak Park, IL Home Replacement Value MORE than Home Value | Oak Park, IL Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $707,500 | $500,000 |
| Insurance Premium based on Replacement Value | $3,325 | $2,350 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $110,000 | Risk Exposure from Under Insuring Coverage is $97,500 |
| Premium Impact | Insurance cheaper by $450/year | Insurance costlier by $525/year |
Example Oak Park Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Chubb Group of Insurance | Allstate | Farmers Insurance |
| Monthly Premium | 172 | 162 | 56 |
| Year Built | 1943 | 1947 | 1943 |
| Home Details | 3 Beds, 2 Baths | 5 Beds, 2 Baths | 2 Beds, 1 Baths |
| Coverage Amount | $400000-$500000 | $400000-$500000 | $200000-$250000 |
| Deductible | $500 Deductible | $500- $1000 Deductible | $2500-$5000 Deductible |
Sample Home Insurance Rates for Oak Park, IL from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1949 | 375,000 | Membrane Roof | 1,950 | 3 | $500- $1000 Deductible | 1850 | 12 | Fiber-Cement Siding | No |
| 1943 | 210,000 | Shingles Roof | 1,370 | 2 | $2500-$5000 Deductible | 120 | 2 | Fiber-Cement Siding | No |
| 1946 | 740,000 | Membrane Roof | 4,620 | 5 | $5000 to $10,000 Deductible | 1110 | 5 | Vinyl siding | No |
| 1940 | 225,000 | Asphalt Shingles Roof | 1,290 | 2 | $2500-$5000 Deductible | 470 | 9 | Fiber-Cement Siding | yes |
| 1941 | 475,000 | Shingles Roof | 2,310 | 4 | $500- $1000 Deductible | 580 | 4 | Fiber-Cement Siding | yes |
| 1944 | 230,000 | Membrane Roof | 1,220 | 3 | $1000-$2500 Deductible | 80 | 1 | Stone Siding | No |
| 1941 | 205,000 | Shingles Roof | 1,320 | 3 | $1000-$2500 Deductible | 280 | 3 | Brick siding | No |
| 1941 | 305,000 | Tile Roof | 1,730 | 5 | $500 Deductible | 530 | 7 | Fiber-Cement Siding | No |
| 1945 | 270,000 | Asphalt Shingles Roof | 1,410 | 3 | $1000-$2500 Deductible | 1300 | 9 | Brick siding | yes |
| 1947 | 645,000 | Asphalt Shingles Roof | 3,110 | 4 | $500 Deductible | 2390 | 9 | Vinyl siding | yes |
| 1943 | 310,000 | Composition Roof | 1,660 | 2 | $2500-$5000 Deductible | 200 | 2 | Fiber-Cement Siding | No |
| 1946 | 305,000 | Wood Shake Roof | 2,050 | 5 | $2500-$5000 Deductible | 450 | 7 | Stucco siding | No |
| 1945 | 320,000 | Tile Roof | 2,000 | 3 | > $10,000 Deductible | 300 | 4 | Stone Siding | yes |
| 1948 | 250,000 | Tile Roof | 1,380 | 3 | $2500-$5000 Deductible | 70 | 1 | Fiber-Cement Siding | yes |
| 1943 | 275,000 | Slate Shingles Roof | 1,790 | 4 | $500- $1000 Deductible | 100 | 1 | Stone Siding | yes |
| 1941 | 450,000 | Tile Roof | 2,240 | 4 | $500 Deductible | 2210 | 12 | Stucco siding | yes |
| 1941 | 210,000 | Shingles Roof | 1,350 | 2 | $500- $1000 Deductible | 150 | 2 | Stone Siding | No |
| 1949 | 295,000 | Membrane Roof | 1,660 | 4 | $500- $1000 Deductible | 150 | 1 | Fiber-Cement Siding | yes |
| 1940 | 145,000 | Asphalt Shingles Roof | 920 | 2 | $500- $1000 Deductible | 100 | 2 | Fiber-Cement Siding | yes |
| 1949 | 295,000 | Tile Roof | 1,500 | 2 | $500- $1000 Deductible | 1010 | 9 | Vinyl siding | yes |
| 1944 | 270,000 | Tile Roof | 1,620 | 5 | $500 Deductible | 1160 | 10 | Stone Siding | yes |
| 1942 | 370,000 | Wood Shake Roof | 2,110 | 3 | $5000 to $10,000 Deductible | 540 | 4 | Vinyl siding | yes |
| 1947 | 515,000 | Asphalt Shingles Roof | 2,360 | 5 | $500 Deductible | 1690 | 7 | Vinyl siding | No |
| 1947 | 255,000 | Composition Roof | 1,640 | 3 | $2500-$5000 Deductible | 800 | 12 | Fiber-Cement Siding | yes |
| 1947 | 250,000 | Tile Roof | 1,650 | 5 | $500- $1000 Deductible | 600 | 6 | Stucco siding | No |
| 1949 | 320,000 | Metal Roof | 1,500 | 2 | $1000-$2500 Deductible | 130 | 1 | Stucco siding | yes |
| 1949 | 335,000 | Asphalt Shingles Roof | 1,560 | 3 | $2500-$5000 Deductible | 90 | 1 | Stone Siding | No |
| 1947 | 255,000 | Tile Roof | 1,670 | 5 | $2500-$5000 Deductible | 850 | 9 | Stone Siding | No |
| 1942 | 315,000 | Membrane Roof | 2,100 | 4 | $2500-$5000 Deductible | 790 | 10 | Stucco siding | yes |
| 1945 | 465,000 | Wood Shake Roof | 2,590 | 5 | $500 Deductible | 430 | 2 | Brick siding | yes |
| 1948 | 360,000 | Metal Roof | 1,720 | 3 | > $10,000 Deductible | 720 | 7 | Stucco siding | No |
| 1944 | 185,000 | Tile Roof | 1,110 | 2 | $1000-$2500 Deductible | 170 | 3 | Fiber-Cement Siding | yes |
| 1940 | 270,000 | Shingles Roof | 1,440 | 2 | > $10,000 Deductible | 460 | 6 | Stone Siding | yes |
| 1942 | 220,000 | Tile Roof | 1,220 | 2 | $2500-$5000 Deductible | 880 | 10 | Stone Siding | No |