Palatine, IL Home Insurance - Analysis On Quotes, Rates & Agents
Palatine Insurance Rates:
Palatine, IL homeowners insurance is approximately $703 to $956, about $58-$79/month. Our comprehensive analysis indicates shoppers can save as much as $332 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Palatine, IL Homeowners Insurance By Home Value
| Palatine, IL Home Value | Total Homes | % of Total | Average Palatine, IL Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 691 | 3.0% | $66 |
| $80,000 to $89,999 | 316 | 1.0% | $224 |
| $100,000 to $124,999 | 1,046 | 4.0% | $298 |
| $125,000 to $149,999 | 1,074 | 4.0% | $373 |
| $150,000 to $174,999 | 1,682 | 7.0% | $439 |
| $175,000 to $199,999 | 1,596 | 7.0% | $506 |
| $200,000 to $249,999 | 3,717 | 17.0% | $614 |
| $250,000 to $299,999 | 4,258 | 19.0% | $747 |
| $300,000 to $399,999 | 6,628 | 30.0% | $954 |
Top Home Insurance Agents Near Palatine, IL
| Home Insurance Company Near Palatine, IL | Homeowners Insurance Agency Near Palatine, IL | Address |
|---|---|---|
| NA | Erland Insurance Agency | 1000 Hart Rd., Ste 215 , Barrington, IL, 60010 |
| State Farm | Brian Mcinerney | 1329 N Main St, Wheaton, IL, 60187-3579 |
| Travelers | Iaa-Barrington Insurance Associates | 836 S NORTHWEST HGWY, BARRINGTON, IL, 60010 |
| State Farm | Jae Lee | 4034 W Lawrence Ave, Chicago, IL, 60630-2825 |
| Travelers | Woodman Cison & Associates Llc | 1301 S WOLF RD STE 403/404, PROSPECT HEIGHTS, IL, 60070 |
Palatine, IL Home Insurance Agents for Top Companies
Cost Of Homeowners Insurance By Street Near Palatine, IL
| Streets in Palatine Area | Homeowners Insurance Cost |
|---|---|
| Rywick Ct, W Camphill Cir, Country Club Ct, E Lake Dr, E Wyndham Cir, Suffolk Ct, Austin Ln, S Jamestown Dr, Wren Ave, Galena Ct | $915 |
| Bridgton on Asbury, S Elmwood Ln, Chatham Dr, Stone Harbor Ct, Apple Tree Ct, Chelsea on Auburn, N Kitson Dr, N Sunset Rd, North St, Brush Rd | $901 |
| N Stark Dr, Williams Ct, Perry Dr, Pirates Cove, E Sanborn Dr, Grove Rd, W Cheryl Ln, N Poplar St, S Stuart Ln, W Willow Rd | $822 |
| Cedar Glen Dr, N Westminster Dr, Brookside Ln, Durham Dr, N Barrington Woods Rd, W Raleigh Ct, W Blackburn Dr, Knoxboro Ln, Skye Ln, Wyndham Ct | $942 |
| Mart Ct, Castaway Ln, E Castle Ct, Alton, Owl Ln, Pride Ct, Jessica Ct, N Baldwin Ct, W Glencoe Rd, Heritage Cir | $838 |
| W Reading Ct, Aberdeen Rd, Haven Wood Ct, Rhiannon Ct, Green Ln N, N Broadmoor Ct, S Valley Ln, Fairway Ct, W Wilson St, Carberry Cir | $846 |
| E Kitson Dr, Saint George Ln, Hammond Dr, E Carriage Ln, W Echo Ln, W Dupont Ave, W Peregrine Dr, Ardmore Ave, Freeman Rd, Greenwich Ct | $852 |
| Kittery on Auburn, S Rohlwing Rd, Marie Dr, Silver Pine Dr, Winston Pl, Wren Ln, W Carolyn Dr, Driftwood Ave, W King Arthur Ct, W Kelly Ann Dr | $916 |
| E Morris Dr, E Juniper Dr, Chewink Ct, N Dewey Rd, Rochester Dr, W Mallard Dr, W Glencoe Rd, N Milton Rd, Redbud Rd, S Bristol Ct | $945 |
| Gull Ct, S Poteet Ave, W Slade St, S Valley Rd, E Shady Dr, S Echo Ln, Prestwick Dr, Wainright Ct, Wilshire Ct, Bedlington Dr | $848 |
Palatine, IL Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Palatine | $123 to $126 |
| Inverness | $149 |
| Rolling Meadows | $120 |
| Deer Park | $144 |
Palatine, 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 |
|---|---|---|---|
| Inverness village, Illinois | $125 | $166 | $249 |
| Rolling Meadows city, Illinois | $101 | $134 | $201 |
| Deer Park village, Illinois | $120 | $160 | $240 |
Palatine, 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 |
|---|---|---|
| Palatine, IL | 3.3% | 8.9% |
| Inverness | 2.21% | 8.31% |
| Rolling Meadows | 3.62% | 10.15% |
| Deer Park | 2.49% | 8.0% |
Palatine Renters Insurance as a Percentage of Rent
| Palatine Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 124 | 1.0% | $753 |
| $500 to $749 | 393 | 3.0% | $1878 |
| $750 to $999 | 3,499 | 29.0% | $2628 |
| $1,000 to $1,499 | 5,842 | 49.0% | $3753 |
| $1,500 or more | 1,722 | 14.0% | $5403 |
Palatine, IL Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $500 | $3,500 |
| Yearly Palatine Homeowner Insurance Premium Example | $2,200 | $1,600 |
| Out of Pocket Expense During Claim | $500 | $3,500 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $18,100 | $16,300 |
| Net Savings to Palatine Home Owner from High Deductible Plan | $1,800 | |
Palatine, IL Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Palatine, IL Home Replacement Value MORE than Home Value | Palatine, IL Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $364,000 | $249,500 |
| Insurance Premium based on Replacement Value | $1,650 | $1,125 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $78,500 | Risk Exposure from Under Insuring Coverage is $36,000 |
| Premium Impact | Insurance cheaper by $175/year | Insurance costlier by $350/year |
Example Palatine Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Liberty Mutual | Travelers | Nationwide Insurance |
| Monthly Premium | 51 | 115 | 119 |
| Year Built | 1965 | 1988 | 1996 |
| Home Details | 2 Beds, 1 Baths | 4 Beds, 1 Baths | 3 Beds, 1 Baths |
| Coverage Amount | $150000-$175000 | $400000-$500000 | $250000-$300000 |
| Deductible | $1000-$2500 Deductible | > $10,000 Deductible | $500- $1000 Deductible |
Sample Home Insurance Rates for Palatine, IL from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1997 | 355,000 | Metal Roof | 2,850 | 4 | $1000-$2500 Deductible | 900 | 8 | Vinyl siding | No |
| 1998 | 760,000 | Wood Shake Roof | 4,990 | 5 | $5000 to $10,000 Deductible | 330 | 2 | Wood siding | yes |
| 1981 | 215,000 | Slate Shingles Roof | 1,680 | 4 | $500 Deductible | 490 | 6 | Vinyl siding | yes |
| 1979 | 225,000 | Membrane Roof | 1,280 | 3 | $1000-$2500 Deductible | 1160 | 12 | Wood siding | No |
| 1966 | 230,000 | Asphalt Shingles Roof | 1,740 | 3 | $2500-$5000 Deductible | 1010 | 12 | Vinyl siding | yes |
| 1995 | 485,000 | Shingles Roof | 2,650 | 4 | $5000 to $10,000 Deductible | 830 | 6 | Brick siding | yes |
| 1964 | 170,000 | Metal Roof | 1,210 | 3 | $1000-$2500 Deductible | 570 | 10 | Brick siding | yes |
| 1975 | 280,000 | Slate Shingles Roof | 2,060 | 3 | > $10,000 Deductible | 540 | 7 | Stone Siding | yes |
| 1976 | 335,000 | Wood Shake Roof | 2,210 | 3 | $5000 to $10,000 Deductible | 520 | 5 | Stone Siding | yes |
| 1961 | 290,000 | Asphalt Shingles Roof | 1,980 | 4 | $2500-$5000 Deductible | 180 | 2 | Wood siding | yes |
| 1972 | 335,000 | Tile Roof | 1,920 | 5 | > $10,000 Deductible | 290 | 4 | Wood siding | No |
| 1972 | 390,000 | Shingles Roof | 2,880 | 4 | $5000 to $10,000 Deductible | 610 | 5 | Stucco siding | yes |
| 1970 | 305,000 | Shingles Roof | 1,700 | 3 | $500- $1000 Deductible | 220 | 2 | Brick siding | No |
| 1984 | 135,000 | Composition Roof | 930 | 2 | $2500-$5000 Deductible | 320 | 9 | Brick siding | yes |
| 1981 | 235,000 | Slate Shingles Roof | 1,710 | 5 | $1000-$2500 Deductible | 90 | 1 | Fiber-Cement Siding | No |
| 1968 | 470,000 | Tile Roof | 2,840 | 5 | $500 Deductible | 140 | 1 | Fiber-Cement Siding | No |
| 1963 | 400,000 | Asphalt Shingles Roof | 2,300 | 3 | $500 Deductible | 740 | 5 | Stone Siding | yes |
| 1998 | 295,000 | Asphalt Shingles Roof | 1,840 | 4 | > $10,000 Deductible | 210 | 3 | Wood siding | yes |
| 1981 | 240,000 | Metal Roof | 1,440 | 2 | $500- $1000 Deductible | 190 | 2 | Wood siding | yes |
| 1975 | 305,000 | Tile Roof | 1,930 | 3 | $1000-$2500 Deductible | 780 | 7 | Brick siding | No |
| 1977 | 305,000 | Shingles Roof | 1,610 | 3 | $1000-$2500 Deductible | 1010 | 7 | Wood siding | yes |
| 1989 | 400,000 | Metal Roof | 2,590 | 4 | $500- $1000 Deductible | 520 | 3 | Fiber-Cement Siding | yes |
| 1992 | 275,000 | Metal Roof | 1,670 | 5 | $500- $1000 Deductible | 1400 | 12 | Stone Siding | yes |
| 1960 | 200,000 | Metal Roof | 1,580 | 3 | > $10,000 Deductible | 410 | 7 | Wood siding | yes |
| 1978 | 785,000 | Metal Roof | 4,570 | 5 | $2500-$5000 Deductible | 1590 | 7 | Wood siding | No |
| 1997 | 220,000 | Tile Roof | 1,450 | 2 | > $10,000 Deductible | 290 | 5 | Stone Siding | No |
| 1982 | 390,000 | Wood Shake Roof | 2,440 | 5 | $500 Deductible | 1540 | 12 | Stone Siding | No |
| 1976 | 290,000 | Asphalt Shingles Roof | 2,180 | 3 | > $10,000 Deductible | 500 | 8 | Vinyl siding | yes |
| 1966 | 425,000 | Tile Roof | 2,480 | 4 | $1000-$2500 Deductible | 1670 | 12 | Brick siding | No |
| 1985 | 490,000 | Tile Roof | 2,893 | 3 | $5000 to $10,000 Deductible | 2130 | 8 | Fiber-Cement Siding | No |
Latest Home Insurance Reviews
AllstateI have been about 3 years and half with Allstate, at the moment i have nothing bad to talk about.
Homesite InsuranceI would recommend this to someone who is looking for the best price. I have not dealt with having to file a claim, so I can't vouch on the customer service aspect of it.
Erie InsuranceMy Erie Policy deductible is very competitively with other larger companies. I do price check Erie periodically and they are always the best price and do have the best service.I would rate them a 5.
GeicoIn my view the premiums and deductibles from Geico are the best I have come across in a good while. They allow for me to make my own decisions about how much I want to pay at the moment.
State FarmIn the few cases where i have made claims, they have been quite responsive and have paid the claims very quickly.
State FarmState farms does not always keep the insured customer informed on things that may need to do to keep their rate low
State FarmAnother thing we like is the fact that we can use the state farm insurance company website to find information about our insurance.
AaaWhat I don't like is that the process of evaluating and confirming things with people was tedious. I had to call and email over and over and call back to confirm they received my emails.
AllstateCommunication between me and my provider is pretty constant whether it be via email or some other form of contact. I much prefer in-person interactions but my local office is very far away from home. Telephone interactions are pretty good overall in my opinion.
GeicoI like geico that they are always friendly ,they have great rated and they have great ways on website on how I can keep those rates down
Grange InsuranceWhat I don't like about them is that they use foreign customer care and they are not prompt on calling back when you have questions or concerns
State FarmI like that my State Farm agent, or another agent of hers, is always readily available to help. I have to call up State Farm sometimes in order to change my address or phone number, and they are always so helpful and easy to get in contact with. I don't have any phone "prompts" as I go directly to my agent's phone.
AaaI have never been treated poorly and in fact, I have been treated far above average. I enjoy speaking with the representatives.
ProgressiveTheir customer service is wonderful. I have used progressive for many years for both my home and cars and have had to make a couple of claims along the way. The customer service reps were all very polite and courteous and made the process as painless as possible.
State FarmI dislike how sometimes they get things disorganized, forget to send me important papers, don't inform me of rate changes and sometimes pressure me into getting more services from them
State FarmState Farm is very easy to deal with. Their staff is very cordial and professional. Their tools make it easy to do whatever I need. They respond quickly to all of my concerns and only contact me when an important issue arises. They offer a very wide range of services and are competitively priced.
AllstateThey are always there for me. I get email reminders and enough notice to pay the bills with plenty of time
State FarmIT IS EASY TO MAKE PAYMENTS OVER THE PHONE. THEY DON'T GIVE A RUNAROUND. NO DRAMA, THAT IS THE BEST PART. WILL STAY WITH THEM THANK YOU.
State FarmI dislike that they don't offer more types of coverage for my home. I also dislike that their auto policies are so expensive. The price can really scare people away, but to my understanding, I will be a loyal customer.
National General They have the best rates for the best coverage and have great customer service and support staff I can rely on.
The HartfordThey are among the most competitive companies in the Detroit. Every time I have contacted customer service, they have taken care of me quickly. My car insurance is also with them and their road service was prompt on two occasions last winter when my batter died on me twice. Ended up replacing the battery.
Pekin InsuranceThe premium is probably the best thing so far. I have not filed a claim so I can't speak to that process. This company was cheaper for the same coverage
Farmer's InsuranceThey keep in contact, handle claims easily, and are always there to answer the phone
Pekin InsuranceI don't like the premiums I have to pay. they keep increasing even though I have never had a claim. I don't understand why very well.
Grange InsuranceI think Grange is a great insurance company to work with. They have exceptional customer service and they are very quick to process claims. They are always communicating with their customers. I would highly recommend Grange Insurance.
State FarmI would, and have recommended by agent and state Farm to others. I personally know at least one contact that has switched to State Farm due to my recommendation.