Sparta Insurance Rates:

Sparta, IL homeowners insurance is about $612 to $835, about $51-$69/month. Our complete guide shows customers can save upto $289 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Sparta, IL Homeowners Insurance By Home Value

Sparta, IL Home Value Total Homes % of Total Average Sparta, IL Homeowners Insurance
Less than $50,000 363 24.0% $217
$50,000 to $59,999 106 7.0% $463
$60,000 to $69,999 99 6.0% $571
$70,000 to $79,999 168 11.0% $658
$80,000 to $89,999 115 7.0% $745
$90,000 to $99,999 109 7.0% $832
$100,000 to $124,999 210 13.0% $970
$125,000 to $149,999 83 5.0% $1209
$150,000 to $174,999 116 7.0% $1433
$175,000 to $199,999 61 4.0% $1650
$200,000 to $249,999 20 1.0% $1991
$300,000 to $399,999 49 3.0% $3091

Top Home Insurance Agents Near Sparta, IL

Home Insurance Company Near Sparta, IL Homeowners Insurance Agency Near Sparta, IL Address
NA Shockley-Schwenger Insurance 9800 Watson Rd Ste 4 Saint Louis, Crestwood, MO, 63126
State Farm Jim Sowers 910 Benham St, Bonne Terre, MO, 63628-1306
State Farm Kevin Wingenbach 4530 Lemay Ferry Rd Ste L, Saint Louis, MO, 63129-1600
Erie M & M Insurance Agency Inc. 539 S Washington Street, Du Quoin, IL, 62832
Travelers Nowak Insurance 102 S MAIN ST STE A, SMITHTON, IL, 62285

Cost Of Homeowners Insurance By Street Near Sparta, IL

Streets in Sparta Area Homeowners Insurance Cost
Co Rd 2700, View Valley Rd, Ziegler Rd, Janet Ave, N 8th St, N Market St, Hazel St, W University Ave, Deer Creek Ln, Valley Steel Rd$724
Norwood Dr, E Grant St, Kaskaskia Rd, E Locust St, S 3rd St, E Springview Rd, N Washington St, Zion Luth Rd, Co Rd 8, Adams St$721
Ziegler 11 Rd, Mount Summit Rd, Miller St, Sarah Rd, S Oak St, Steffens Rd, Diamond Cross Rd, E Olive St, Myrtle St, N Fulton St$723
W Jackson St, Lickcreek Rd, Rabe's Ln, Doc Lynn Dr, Gaslight Dr, W Grigg St, Walsh Rd, W Mound St, Lakewood Dr, Twp Rd 236$721
Crestview Dr, Sproul St, W School St, N 3rd St, Shiloh Hill Rd, W College St, Wooded Oak Ln, E Pine St, E Harrison St, W Grant St$718

Sparta, IL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Sparta$107 to $109
Coulterville$108
Steeleville$109
Percy$106

Sparta, 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
Coulterville precinct, Randolph County, Illinois $108 $144 $216
Tilden precinct, Randolph County, Illinois $108 $144 $216
Steeleville precinct, Randolph County, Illinois $109 $145 $218

Sparta, 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
Sparta, IL6.9%16.7%
Coulterville6.36%18.56%
Tilden6.21%20.58%
Steeleville5.9%17.09%

Sparta Renters Insurance as a Percentage of Rent

Sparta Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 25 2.0% $358
$200 to $299 52 6.0% $808
$300 to $499 230 26.0% $1258
$500 to $749 188 21.0% $1933
$750 to $999 234 27.0% $2683
$1,000 to $1,499 102 11.0% $3808
$1,500 or more 29 3.0% $5458

Sparta, IL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$2,800
Yearly Sparta Homeowner Insurance Premium Example $500$300
Out of Pocket Expense During Claim$1,800$2,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $5,800$5,200
Net Savings to Sparta Home Owner from High Deductible Plan $600

Sparta, IL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Sparta, IL Home Replacement Value MORE than Home Value Sparta, IL Home Replacement Value LESS than Home Value
Replacement Value $99,500 $67,000
Insurance Premium based on Replacement Value $450 $300
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $22,500 Risk Exposure from Under Insuring Coverage is $10,000
Premium Impact Insurance cheaper by $50/year Insurance costlier by $100/year

Example Sparta Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateFarmers InsuranceState Farm
Monthly Premium 435348
Year Built 199419441976
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 4 Baths
Coverage Amount $125000-$150000$125000-$150000$100000-$125000
Deductible $1000-$2500 Deductible$500- $1000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1983 170,000 Wood Shake Roof 2,260 3 $500- $1000 Deductible 140 2 Stone Siding yes
1960 180,000 Shingles Roof 2,530 5 $5000 to $10,000 Deductible 450 10 Vinyl siding No
1972 155,000 Tile Roof 2,400 3 $1000-$2500 Deductible 270 4 Wood siding yes
1964 150,000 Tile Roof 2,620 4 $2500-$5000 Deductible 310 5 Fiber-Cement Siding yes
1988 140,000 Tile Roof 2,040 5 $500- $1000 Deductible 350 8 Stone Siding yes
1963 155,000 Slate Shingles Roof 2,070 3 $1000-$2500 Deductible 860 12 Brick siding yes
1979 155,000 Wood Shake Roof 2,290 4 $500- $1000 Deductible 180 3 Fiber-Cement Siding No
1947 110,000 Tile Roof 1,540 3 $500 Deductible 360 9 Wood siding No
1974 115,000 Composition Roof 1,560 3 $1000-$2500 Deductible 40 1 Brick siding No
1990 80,000 Tile Roof 1,240 3 $2500-$5000 Deductible 200 9 Wood siding No
1974 70,000 Membrane Roof 1,260 2 $1000-$2500 Deductible 80 4 Brick siding No
1986 235,000 Asphalt Shingles Roof 4,510 5 $2500-$5000 Deductible 240 4 Stone Siding No
1986 85,000 Wood Shake Roof 1,370 2 $1000-$2500 Deductible 160 6 Vinyl siding No
1973 70,000 Slate Shingles Roof 1,360 2 $2500-$5000 Deductible 120 5 Stone Siding yes
1991 85,000 Asphalt Shingles Roof 1,280 2 $2500-$5000 Deductible 170 8 Stucco siding No
1986 130,000 Wood Shake Roof 2,280 3 $1000-$2500 Deductible 30 1 Vinyl siding No
1960 165,000 Membrane Roof 3,230 4 $500 Deductible 440 5 Stucco siding yes
1965 90,000 Shingles Roof 1,330 3 $1000-$2500 Deductible 30 1 Stone Siding No
1964 105,000 Shingles Roof 1,530 2 $500 Deductible 400 8 Stucco siding No
1983 80,000 Slate Shingles Roof 1,390 2 $500 Deductible 220 7 Wood siding No
1984 195,000 Membrane Roof 3,850 5 $500 Deductible 620 8 Stucco siding No
1960 215,000 Tile Roof 3,210 4 $2500-$5000 Deductible 320 6 Wood siding yes
1967 125,000 Membrane Roof 2,540 4 $500- $1000 Deductible 220 4 Fiber-Cement Siding No
1944 130,000 Asphalt Shingles Roof 2,140 4 $1000-$2500 Deductible 40 1 Brick siding No
1997 105,000 Tile Roof 1,850 4 $500- $1000 Deductible 90 3 Wood siding No
1985 235,000 Wood Shake Roof 4,040 5 $500- $1000 Deductible 640 6 Fiber-Cement Siding yes
1976 90,000 Shingles Roof 1,640 4 $500- $1000 Deductible 120 3 Stucco siding yes
1968 70,000 Wood Shake Roof 1,230 2 $500- $1000 Deductible 150 8 Stone Siding yes
1970 80,000 Membrane Roof 1,400 3 $500- $1000 Deductible 220 10 Stucco siding yes
1968 80,000 Wood Shake Roof 1,350 2 $500 Deductible 400 12 Fiber-Cement Siding No
1969 240,000 Wood Shake Roof 3,280 4 > $10,000 Deductible 360 8 Brick siding yes
1980 270,000 Asphalt Shingles Roof 4,170 5 $2500-$5000 Deductible 80 1 Wood siding No
1970 315,000 Wood Shake Roof 4,290 5 $2500-$5000 Deductible 710 10 Vinyl siding No
1972 155,000 Composition Roof 2,220 5 $2500-$5000 Deductible 420 12 Fiber-Cement Siding No