Rockford Insurance Rates:

Rockford ,IL Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.

VHome Insurance conducted a thorough analysis of the Rockford, IL homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Rockford, IL is $1941. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Rockford, IL: Customer-Reviewed Options


Rockford, IL Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Rockford, IL. VHome Insurance will help you navigate the world of homeowners insurance coverages in Rockford, IL.

Coverage Level Average Annual Premium
$100,000 $776
$200,000 $1,320
$300,000 $1,630
$400,000 $2,484
$500,000 $3,125


Rockford, IL Homeowners Insurance Rates by ZIP Code

Home insurance costs in Rockford can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.

Zipcode Average Insurance Premium
061103 $1,823
61101 $1,807
61102 $1,809
61104 $1,805
61114 $1,891
61107 $1,864
61109 $1,839
61108 $1,841


Rockford, IL Homeowners Insurance Deductibles

One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Rockford, IL, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $1,990
$1000 Deductible $1,780
$1500 Deductible $1,679
$2500 Deductible $1,514
$5000 Deductible $1,281



Top Home Insurance Agents Near Rockford, IL

Home Insurance Company Near Rockford, IL Homeowners Insurance Agency Near Rockford, IL Address
NA Dunn Insurance Agency 1003 W Comanche Ave , Shabbona, IL, 60550
State Farm Art Espe 221 N Mason Ave, Amboy, IL, 61310-1211
State Farm Emillie An 1024 S McHenry Ave Ste B, Crystal Lake, IL, 60014-7477
Liberty Mutual Matt Oconnor 477 S. Third Street Suite 148 , Geneva , IL , 60134
State Farm Nick Slaughter 450 N Il Route 31 Ste 180, Crystal Lake, IL, 60012-3776

Rockford, IL Home Insurance Agents for Top Companies


Rockford, 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
New Milford village, Illinois $90 $120 $180
Cherry Valley township, Winnebago County, Illinois $94 $125 $188
Loves Park city, Illinois $93 $123 $185


Rockford, IL Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Rockford, IL5.1%12.8%
New Milford4.4%13.1%
Cherry Valley4.75%12.31%
Loves Park4.82%13.58%

Rockford Renters Insurance as a Percentage of Rent

Rockford Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 888 3.0% $351
$200 to $299 934 3.0% $801
$300 to $499 3,130 11.0% $1251
$500 to $749 10,095 38.0% $1926
$750 to $999 6,932 26.0% $2676
$1,000 to $1,499 3,577 13.0% $3801
$1,500 or more 818 3.0% $5451

Cost Of Homeowners Insurance By Street Near Rockford, IL

Streets in Rockford Area Homeowners Insurance Cost
Rolling Hedge Ln, N Willard Ave, Spring Ct, S Court St, Knowlton St, Larnell Pkwy, Sovereign Blvd, Wedel Ave, Fitch Rd, Sherbrooke Rd$716
Crimson Ridge Dr, Garden Plain Ave, Canary Dr, Macintosh Ln, Tollview Ln, Hinsdale Ave, Hiatt Dr, Grant Ave, Finch St, S 1st St$764
Schlensker Dr, Otis St, Vanista Ct, Page Pl, Enterprise Dr, Evanston Dr, Executive Pkwy, Tatum Rd, 21st St, Kay Ave$754
Meander Dr, Linden Rd, Thames Way, Red Oak Ln, Carlesburg Ct, Gas Lite Ct, Vineyard Ln, Park Er Woods Dr, Falund St, Apawamis Way E$750
Morgan St, Pleasant View Ave, Morgan St, Elva Ln, Meadows Cir, Highview Ave, Sunbird Dr, Cherokee Hills Dr, Aragona Dr, Vista Ter$720
Crabapple Ln, Regal Ridge Cir, Wallis Ave, Woodcreek Bend, Sue Ln, Flagstone Dr, Oakforest Dr, Milehigh Dr, Minnesota Dr, Conover Dr$757
Highview Ave, Falmouth Dr, Wansford Way, Whisper Ct, S Independence Ave, Lundvall Ave, Cushman Rd, Lombard St, Rock River Ave, Runway Dr$753
Pond St, Euclid Ave, Grand Blvd, Harrington Ave, Wallace St, Conner Ln, S Mill Rd, Selden St, Roncevalles Ave, E Summerfield Dr$691
Island Ave, Scottswood Rd, Clayton Ct, Harlem Blvd, Locust St, Galleria Dr, Zenith Pkwy, Field Stone Dr, Beechwood Dr, la Cresta Dr$757
Danburry Dr, Summerdale Ave, Kerstin Ct, Cunningham St, Winnetka Dr, Crampton Ct, Springdale Dr, 2nd St, Tay St, 14th St$767

Rockford, IL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Rockford$110 to $112
New Milford$108
Cherry Valley$112
Loves Park$111

Rockford, IL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Rockford Homeowner Insurance Premium Example $400$200
Out of Pocket Expense During Claim$500$1,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $3,700$3,100
Net Savings to Rockford Home Owner from High Deductible Plan $600


Rockford, IL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Rockford, IL Home Replacement Value MORE than Home Value Rockford, IL Home Replacement Value LESS than Home Value
Replacement Value $98,500 $69,000
Insurance Premium based on Replacement Value $575 $400
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $16,000 Risk Exposure from Under Insuring Coverage is $13,500
Premium Impact Insurance cheaper by $75/year Insurance costlier by $100/year


Example Rockford Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersErie InsuranceFarmers Insurance
Monthly Premium 453751
Year Built 194819731968
Home Details 3 Beds, 1 Baths5 Beds, 4 Baths4 Beds, 1 Baths
Coverage Amount $125000-$150000$100000-$125000$175000-$200000
Deductible $1000-$2500 Deductible$500- $1000 Deductible$2500-$5000 Deductible