South Elgin Insurance Rates:

South Elgin, IL homeowners insurance is nearly $668 to $909, about $55-$75/month. Our extensive analysis reveals consumers can save as much as $315 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
They are friendly and responsive. they would call you every year to let you be familiar with the new policy.
State Farm
Very reliable when you need them and at an affordable cost as well. the customer service reps were dependable when i needed them.
Geico
They send letters about once a month to see how we are doing or if we have any concerns. I think that is pretty nice of them
Metlife
easy to get a hold of someone either via phone or website chat. Sometimes there is a wait to talk to a representative but usually pretty quick.
Allstate
It is an excellent company until the moment everything with them has done very well respond quickly and the attention is immediate my rating is 1
Allstate
I have never had an issue with any of the customer service that I have got from my agent or Allstate Corporate
State Farm
I would absolutely recommend this company for home and auto insurance. I never would have even known they existed if it weren't for my husband. I talk about them as often as I can.
Aaa
I like how aaa will personally call you if your policy goes into cancellation status to do all they can do to help you keep your coverage in case you forget a payment.

South Elgin, IL Homeowners Insurance By Home Value

South Elgin, IL Home Value Total Homes % of Total Average South Elgin, IL Homeowners Insurance
Less than $50,000 82 1.0% $86
$90,000 to $99,999 69 1.0% $339
$100,000 to $124,999 300 5.0% $394
$125,000 to $149,999 255 4.0% $489
$150,000 to $174,999 919 16.0% $583
$175,000 to $199,999 938 16.0% $670
$200,000 to $249,999 1,497 26.0% $812
$250,000 to $299,999 785 13.0% $994
$300,000 to $399,999 831 14.0% $1262

Top Home Insurance Agents Near South Elgin, IL

Home Insurance Company Near South Elgin, IL Homeowners Insurance Agency Near South Elgin, IL Address
State Farm Bob Sorensen 300 S County Farm Rd Ste D, Wheaton, IL, 60187-2438
Allstate David Mace 911 Alexandra Dr, Belvidere, IL, 61008
State Farm John Harrell 4440 Lincoln Hwy Ste 115, Matteson, IL, 60443-3802
Allstate Lou Stavroplus 1226 N Roselle Rd Ste A, Schaumburg, IL, 60195
Allstate Peter F. Olson 8700 Waukegan Rd Ste 139, Morton Grove, IL, 60053

Cost Of Homeowners Insurance By Street Near South Elgin, IL

Streets in South Elgin Area Homeowners Insurance Cost
Kingsport Dr, Rockland Ave, Comstock Dr, Cove Ct, Marbury Ct, Fieldcrest Dr, S Conway Ct, Ashford Ln, Chesterfield Ln, Countryside Ln$789
Rochefort Ln, Waterside Dr, Thornwood Ave, Ashbrook Ln, S East Ave, Legacy Dr, Silver Glen Ct, Manley Rd, Woodrow Ave, Indian Wells Cir$918
Elmwood Ave, Venetian Ln, Eastview St, Wedgewood Dr, Sandy Stream Ln, Irwin Ave, S Belmont Ave, Sunbrook St, Silver Ridge Dr, Ginger Wood Ln$826
S Walnut St, Waterford Dr, Josephine Ave, Dunham Trail Rd, Crispin Dr, Flora Dr, Pleasant Dr, E Parkview Dr, Ashley Ln, Co Rd 5$765
Nicole Dr, Babson Ln, Middlecreek Ln, Lewis Ct, Crane Rd, Sterling Ln, Crossfire Trl, Juli Dr, Koshare Cir, River Ridge Dr$858

South Elgin, IL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
South Elgin$117 to $120
Bartlett$123
St. Charles$125
Elgin$116

South Elgin, 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
Bartlett village, Illinois $124 $165 $248
St. Charles township, Kane County, Illinois $125 $167 $251
Elgin city, Illinois $116 $155 $233

South Elgin, 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
South Elgin, IL3.4%9.4%
Bartlett2.98%8.81%
St. Charles2.87%8.65%
Elgin3.6%9.57%

South Elgin Renters Insurance as a Percentage of Rent

South Elgin Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 73 11.0% $1899
$750 to $999 117 18.0% $2649
$1,000 to $1,499 379 58.0% $3774
$1,500 or more 75 11.0% $5424

South Elgin, IL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$2,900
Yearly South Elgin Homeowner Insurance Premium Example $1,200$1,000
Out of Pocket Expense During Claim$1,900$2,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $11,500$10,900
Net Savings to South Elgin Home Owner from High Deductible Plan $600

South Elgin, IL Home Insurance Costs With Home Replacement Value Scenarios

Scenario South Elgin, IL Home Replacement Value MORE than Home Value South Elgin, IL Home Replacement Value LESS than Home Value
Replacement Value $203,000 $128,500
Insurance Premium based on Replacement Value $1,000 $625
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $45,000 Risk Exposure from Under Insuring Coverage is $29,500
Premium Impact Insurance cheaper by $150/year Insurance costlier by $225/year

Example South Elgin Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceTravelersFarmers Insurance
Monthly Premium 80157147
Year Built 200120101987
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 3 Baths
Coverage Amount $200000-$250000$400000-$500000$350000-$400000
Deductible $500- $1000 Deductible$500 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for South Elgin, IL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1986 155,000 Composition Roof 1,340 3 $5000 to $10,000 Deductible 160 4 Wood siding No
1989 275,000 Slate Shingles Roof 1,950 5 $5000 to $10,000 Deductible 430 6 Stucco siding yes
2009 300,000 Slate Shingles Roof 2,390 3 $5000 to $10,000 Deductible 200 3 Vinyl siding yes
2013 290,000 Wood Shake Roof 2,200 3 > $10,000 Deductible 530 7 Stucco siding yes
1982 195,000 Composition Roof 1,990 4 $500- $1000 Deductible 60 1 Fiber-Cement Siding No
2006 305,000 Metal Roof 3,200 4 $500- $1000 Deductible 710 6 Vinyl siding No
2007 235,000 Tile Roof 2,010 3 > $10,000 Deductible 350 9 Vinyl siding yes
2000 555,000 Wood Shake Roof 4,900 5 > $10,000 Deductible 700 5 Stone Siding yes
1986 370,000 Tile Roof 3,440 5 $500 Deductible 1920 9 Wood siding No
2012 210,000 Slate Shingles Roof 1,570 5 $5000 to $10,000 Deductible 370 7 Brick siding yes
2012 400,000 Composition Roof 2,840 4 > $10,000 Deductible 80 1 Fiber-Cement Siding No
1987 405,000 Membrane Roof 3,150 4 > $10,000 Deductible 440 5 Fiber-Cement Siding yes
1989 220,000 Shingles Roof 1,980 3 $5000 to $10,000 Deductible 380 7 Wood siding No
1980 305,000 Composition Roof 2,600 4 $500- $1000 Deductible 600 4 Wood siding No
1982 220,000 Metal Roof 1,610 3 $500- $1000 Deductible 220 3 Fiber-Cement Siding No
2009 360,000 Wood Shake Roof 3,220 4 $5000 to $10,000 Deductible 580 5 Stone Siding No
2013 415,000 Shingles Roof 3,060 4 > $10,000 Deductible 860 9 Stucco siding yes
2008 400,000 Shingles Roof 3,490 5 $1000-$2500 Deductible 1150 7 Vinyl siding No
1981 230,000 Shingles Roof 2,120 3 > $10,000 Deductible 600 12 Wood siding No
1980 400,000 Composition Roof 4,090 5 $1000-$2500 Deductible 660 5 Vinyl siding yes
2003 380,000 Wood Shake Roof 2,740 4 $1000-$2500 Deductible 500 3 Wood siding No
2002 440,000 Membrane Roof 3,500 5 > $10,000 Deductible 560 8 Vinyl siding yes
1987 285,000 Wood Shake Roof 2,690 4 $5000 to $10,000 Deductible 300 3 Fiber-Cement Siding yes
2006 185,000 Shingles Roof 1,780 4 $500- $1000 Deductible 850 12 Wood siding yes
2011 345,000 Membrane Roof 3,110 4 $500 Deductible 1130 7 Fiber-Cement Siding No
2000 495,000 Shingles Roof 4,510 5 $500 Deductible 1540 7 Fiber-Cement Siding yes
1989 280,000 Metal Roof 2,070 4 $2500-$5000 Deductible 1010 9 Wood siding No
2012 645,000 Slate Shingles Roof 4,790 5 $500- $1000 Deductible 570 2 Stone Siding No
2000 320,000 Wood Shake Roof 3,220 4 $5000 to $10,000 Deductible 660 7 Stucco siding No
1988 235,000 Composition Roof 1,680 3 > $10,000 Deductible 130 2 Stone Siding yes
2005 260,000 Membrane Roof 1,860 3 $5000 to $10,000 Deductible 240 4 Stucco siding yes
2003 250,000 Slate Shingles Roof 2,160 5 $500- $1000 Deductible 770 8 Wood siding No
2011 310,000 Composition Roof 3,130 4 > $10,000 Deductible 70 1 Stucco siding yes
2014 215,000 Slate Shingles Roof 1,720 5 > $10,000 Deductible 270 7 Vinyl siding No