Rockford, IL Home Insurance - Analysis On Quotes, Rates & Agents
Rockford Insurance Rates:
Rockford, IL homeowners insurance is roughly $626 to $847, about $52-$70/month. Our detailed analysis indicates shoppers can save upto $294 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
How to Save Money on Homeowners Insurance in Rockford, IL
Rockford, located in Illinois, is also known as a forest city. You will find many compelling sites in this scenic community, including Anderson Japanese Gardens, Klehm Arboretum, and Tinker Swiss Cottage. Rockford is home to around 1,78,427 residents. There's a famous saying which says - "a home is where the heart is, whether purchased or at rent. What's inside your home is precious to you". Therefore, you must protect your home from all the perils, including water, fire, and theft. This requires a comprehensive homeowners insurance policy.
The average homeowners insurance rate in Rockford, IL, is $628. Numerous factors affect the cost of insurance, including the house's value, coverage type, deductible, age of the home, claims history, and materials used to build your home. However, homeowners can take advantage of available discounts to lower their home insurance costs.
Check out the discounts available for Rockford homeowners.
Insurance Cost based on the Materials used
Materials used to build the home plays an essential role in signifying the home insurance rates in Rockford, IL. The materials used to construct your home can increase or decrease the insurance premium amount. For example, if you decide to build a house using hail-resistant roofing material, the premium amount charged would be $616 in Rockford, IL. But if you use Masonry or Fire resistive Brick, the price would be $597 and $541, respectively. In order to save money on premiums, use high-quality materials for building purposes.
Refer to the table below to understand the applicable home insurance rates based on the materials used in Rockford, IL.
Insurance Cost based on the Security features
Home security systems help protect residents from theft and damages. Homes equipped with advanced security features pay lower premiums on home insurance. This is because homes with advanced-level security features are less likely to be burglarized and damaged, so homeowners insurance companies offer discounts as incentives. For instance, homes with burglar alarms or lightning protection systems pay $571.48 and $615.44 on homeowner's insurance in Rockford, Illinois.
Insurance Cost based on the House age
House age is one of the most influential factors in determining the cost of home insurance in Rockford, IL. Old homes of 30-40 years old pay premiums of $638 and $645, respectively. Whereas newly built homes get discounts as they are less prone to damages. Therefore, they pay an insurance premium of $453.
Rockford, IL Homeowners Insurance By Home Value
| Rockford, IL Home Value | Total Homes | % of Total | Average Rockford, IL Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 3,117 | 7.0% | $161 |
| $50,000 to $59,999 | 1,571 | 3.0% | $353 |
| $60,000 to $69,999 | 2,753 | 6.0% | $434 |
| $70,000 to $79,999 | 3,227 | 7.0% | $500 |
| $80,000 to $89,999 | 3,797 | 9.0% | $566 |
| $90,000 to $99,999 | 4,479 | 10.0% | $632 |
| $100,000 to $124,999 | 6,675 | 15.0% | $736 |
| $125,000 to $149,999 | 5,567 | 13.0% | $920 |
| $150,000 to $174,999 | 4,531 | 10.0% | $1089 |
| $175,000 to $199,999 | 2,026 | 4.0% | $1258 |
| $200,000 to $249,999 | 2,256 | 5.0% | $1516 |
| $250,000 to $299,999 | 1,248 | 2.0% | $1854 |
| $300,000 to $399,999 | 820 | 1.0% | $2355 |
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
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
| Place | Savings For Senior Occupied Homes |
|---|---|
| Rockford | $110 to $112 |
| New Milford | $108 |
| Cherry Valley | $112 |
| Loves Park | $111 |
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
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Rockford, IL | 5.1% | 12.8% |
| New Milford | 4.4% | 13.1% |
| Cherry Valley | 4.75% | 12.31% |
| Loves Park | 4.82% | 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 |
Rockford, IL Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $500 | $1,500 |
| 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 | Travelers | Erie Insurance | Farmers Insurance |
| Monthly Premium | 45 | 37 | 51 |
| Year Built | 1948 | 1973 | 1968 |
| Home Details | 3 Beds, 1 Baths | 5 Beds, 4 Baths | 4 Beds, 1 Baths |
| Coverage Amount | $125000-$150000 | $100000-$125000 | $175000-$200000 |
| Deductible | $1000-$2500 Deductible | $500- $1000 Deductible | $2500-$5000 Deductible |
Sample Home Insurance Rates for Rockford, IL from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1980 | 145,000 | Tile Roof | 1,750 | 4 | $2500-$5000 Deductible | 40 | 1 | Wood siding | yes |
| 1967 | 160,000 | Slate Shingles Roof | 2,190 | 4 | $500 Deductible | 360 | 7 | Brick siding | No |
| 1975 | 245,000 | Membrane Roof | 3,150 | 4 | $5000 to $10,000 Deductible | 350 | 5 | Fiber-Cement Siding | yes |
| 1973 | 320,000 | Membrane Roof | 3,970 | 5 | $500- $1000 Deductible | 910 | 7 | Vinyl siding | No |
| 1984 | 65,000 | Tile Roof | 1,000 | 2 | $2500-$5000 Deductible | 170 | 7 | Stucco siding | No |
| 1986 | 235,000 | Shingles Roof | 3,190 | 4 | $500- $1000 Deductible | 930 | 9 | Stone Siding | yes |
| 1988 | 255,000 | Slate Shingles Roof | 2,880 | 4 | $5000 to $10,000 Deductible | 250 | 4 | Fiber-Cement Siding | No |
| 1972 | 200,000 | Wood Shake Roof | 2,870 | 5 | $500 Deductible | 670 | 9 | Fiber-Cement Siding | No |
| 1982 | 135,000 | Tile Roof | 1,540 | 3 | $2500-$5000 Deductible | 350 | 9 | Stone Siding | yes |
| 1940 | 95,000 | Tile Roof | 1,460 | 3 | $500- $1000 Deductible | 30 | 1 | Stone Siding | No |
| 1964 | 195,000 | Composition Roof | 2,200 | 4 | $5000 to $10,000 Deductible | 240 | 4 | Brick siding | yes |
| 1987 | 100,000 | Asphalt Shingles Roof | 1,370 | 3 | $500 Deductible | 220 | 5 | Stone Siding | No |
| 1949 | 95,000 | Slate Shingles Roof | 1,080 | 2 | $500- $1000 Deductible | 370 | 12 | Vinyl siding | yes |
| 1987 | 135,000 | Slate Shingles Roof | 2,100 | 4 | $1000-$2500 Deductible | 290 | 6 | Brick siding | yes |
| 1982 | 145,000 | Slate Shingles Roof | 1,970 | 4 | $2500-$5000 Deductible | 170 | 3 | Fiber-Cement Siding | yes |
| 1943 | 80,000 | Wood Shake Roof | 1,070 | 2 | $2500-$5000 Deductible | 160 | 5 | Brick siding | No |
| 1944 | 145,000 | Slate Shingles Roof | 1,900 | 3 | $500- $1000 Deductible | 200 | 4 | Vinyl siding | yes |
| 1977 | 115,000 | Tile Roof | 1,680 | 3 | $1000-$2500 Deductible | 450 | 8 | Wood siding | No |
| 1974 | 220,000 | Wood Shake Roof | 2,830 | 4 | $1000-$2500 Deductible | 560 | 5 | Brick siding | yes |
| 1974 | 140,000 | Shingles Roof | 1,870 | 3 | $1000-$2500 Deductible | 540 | 10 | Vinyl siding | yes |
| 1969 | 150,000 | Membrane Roof | 1,740 | 2 | $1000-$2500 Deductible | 280 | 6 | Brick siding | No |
| 1975 | 90,000 | Tile Roof | 1,200 | 3 | $500- $1000 Deductible | 80 | 2 | Fiber-Cement Siding | yes |
| 1985 | 145,000 | Shingles Roof | 1,710 | 3 | $2500-$5000 Deductible | 190 | 5 | Stucco siding | yes |
| 1947 | 110,000 | Tile Roof | 1,640 | 4 | $2500-$5000 Deductible | 200 | 7 | Wood siding | No |
| 1966 | 290,000 | Tile Roof | 3,360 | 4 | $2500-$5000 Deductible | 350 | 4 | Stucco siding | yes |
| 1943 | 120,000 | Slate Shingles Roof | 1,700 | 5 | $2500-$5000 Deductible | 340 | 10 | Vinyl siding | No |
| 1978 | 215,000 | Slate Shingles Roof | 2,860 | 4 | $5000 to $10,000 Deductible | 340 | 7 | Wood siding | No |
| 1945 | 135,000 | Shingles Roof | 2,280 | 3 | $1000-$2500 Deductible | 160 | 5 | Wood siding | yes |
| 1943 | 325,000 | Wood Shake Roof | 4,220 | 5 | $500- $1000 Deductible | 980 | 6 | Brick siding | yes |
| 1989 | 125,000 | Slate Shingles Roof | 1,670 | 2 | $1000-$2500 Deductible | 140 | 3 | Fiber-Cement Siding | No |
Latest Home Insurance Reviews
Erie InsuranceI recently purchased a home alarm system from ADT. One of the main selling points they use is that there will be a substantial savings in your home owners insurance premiums.
Erie InsuranceCustomer service is very good, following up with situations and helped me accordingly.they always call back to see how my situation is doing and see if they can help.
Homesite InsuranceMy deductible is pretty comparable to other insurance companies. After research it is also the best price I could find in an insurance policy.
AllstateI have little to compare them against since they have always been my provider. I think they are well respected in the marketplace though.
State FarmThe customer service is great. They are always available whenever I call, I believe they have someone available 24/7. I have no complains for the times that I've called, they were always helpful.
AllstateI think the premium is in line. We have a high deductible so most of our home claims we must self insure.
Farmer's InsuranceTheir rates are comparable with other insurance companies in the area.
GeicoThe price and quality are much better than the competition. their online payment is very easy to set up and a breeze to log in.
GeicoIt is the same company as my auto insurance, so i'm able to pay them together at the same time.
State FarmI like that the insurance agent I have is very friendly and is able to break down my policy, which I feel covers a lot for the price, very well and enough for me to understand it.
American FamilyAll in all, American Family Insurance was the best choice for me and my family and fit our needs. I look forward to working with them in the future.
NationwideCustomer service has always been very good and professional. I have not had many issues but the few times I've needed to contact them it has been very pleasant
GeicoMy premium is good, no complaints there. I trust Geico since they do such a good job on my car insurance.
AaaAAA is a reputable, nation-wide company, and also a non-profit organization that has my best interests in mind.
State FarmEase of use, it isn't always easy to find information that I am looking for as it may be subcategorized. I want to also easily be able to see the average costs in my area for some repairs so that I can make better consumer decisions when using my insurance to cover a claim (such as a roof).
ProgressiveThey are great overall. They are caring and as a customer, you can really see it and that is what sets the company apart.
State FarmThe claims department is terrible and lies to you repeatedly. They never answer the phones or return calls.
AllstateI like their pricing, coverage, response, interface, multiple ways of contacting them, and their leniency in case of emergencies.
ProgressiveIn my limited experience I would recommend Progressive. Although I have not had experience with a claim - and this is an important part of a company when you need it - the other interactions and overall price makes them a good choice in my mind.
State FarmI would certainly recommend them for home insurance. StateFarm makes the process easy and cuts out the middle man. It is a company focused on saving you money and improving your coverage. I learned a lot by using them and would highly recommend them to anyone.
State FarmThe staff is friendly and helpful. The website is top notch with full access to all my documents, notifications when payments are due, and easy online payments. My agent is easy to reach by text, email, or telephone. Of course, the real test will be if I ever need to file a claim, but all indications are that it is a professional, well-run company.
GeicoI like that my company is there for me and has helped me in the situations I have needed. I have never had anything specifically for my house, but I still feel they would treat me right and help me get what I need.
AaaI do not like the annual premium price and the fact that they raise it every year, regardless of ever filing a claim. Additionally, I do not like their customer service.
AllstateWhen I need help the agents in my location are very helpful. I have no problems with Allstate and hope i will be able to continue with them instead of paying the outrageous amounts other insurance are asking.
AllstateI would recommend this company for home owners insurance. They keep up with the local price changes, and pay out when friends I know have had a claim.