St. Joseph Insurance Rates:

St. Joseph, IL homeowners insurance is roughly $645 to $878, about $53-$73/month. Our comprehensive analysis shows customers can save upto $304 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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St. Joseph, IL Homeowners Insurance By Home Value

St. Joseph, IL Home Value Total Homes % of Total Average St. Joseph, IL Homeowners Insurance
Less than $50,000 52 3.0% $114
$70,000 to $79,999 24 1.0% $350
$80,000 to $89,999 46 2.0% $396
$90,000 to $99,999 54 3.0% $441
$100,000 to $124,999 192 11.0% $510
$125,000 to $149,999 273 16.0% $640
$150,000 to $174,999 404 23.0% $754
$175,000 to $199,999 250 14.0% $876
$200,000 to $249,999 191 11.0% $1051
$250,000 to $299,999 96 5.0% $1287
$300,000 to $399,999 99 5.0% $1630

Top Home Insurance Agents Near St. Joseph, IL

Home Insurance Company Near St. Joseph, IL Homeowners Insurance Agency Near St. Joseph, IL Address
NA Kruse Insurance 110 N Sangamon Gibson City, Gibson City, IL, 60936
NA Clarence Miller Insurance Services, Inc. 1419 Lincoln Ave., Charleston, IL, 61920
NA Metz Stoller, Inc. 214 S Center St , Forrest, IL, 61741
NA King-Danforth Agency, Inc. 125 W Garfield Ave , Cissna Park, IL, 60924
State Farm Jeff Clodfelter 111 N State Street, Monticello, IL, 61856-1638

Cost Of Homeowners Insurance By Street Near St. Joseph, IL

Streets in St. Joseph Area Homeowners Insurance Cost
Co Rd 1575 N, 7th St, Linden Dr, N Main St, Lynn St, Vine St, E Douglas St, W Sherman St, Leeney Ct, Joan$763
Marilyn Dr, Co Rd 2300 E, Elvin Dr, Dorset Cir, Balsam Dr, C R 1450 N, Crestwood Dr, Kristi St, Maple Ct, Morningside Dr$760
Co Rd 20, Monroe St, Albers St, N Berhrens Rd, Co Rd 2150 E, Willowdale Dr, Co Rd 2545 E, Chester St, Co Rd 24, 3rd Ct$762
S Main St, W Nottingham Dr, W Lincoln Ave, Raymond, E Evergreen Dr, Co Rd 2325 E, 6th St, Sherwood Dr, Harlan Wise Dr, Paul Ct$763
Winston Dr, Locust Dr, Hawthorne Dr, N Glover Ct, Raymond Dr, 5th St, N 5th St, Co Rd 1950 E, Water St, Douglas St$760

St. Joseph, IL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
St. Joseph$113 to $116
Stanton$118
Ogden$112
Cunningham$113

St. Joseph, 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
Stanton township, Champaign County, Illinois $99 $131 $197
Ogden township, Champaign County, Illinois $94 $125 $187
Sidney township, Champaign County, Illinois $94 $125 $187

St. Joseph, 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
St. Joseph, IL4.4%13.8%
Stanton4.24%12.37%
Ogden5.17%13.49%
Sidney5.42%11.29%

St. Joseph Renters Insurance as a Percentage of Rent

St. Joseph Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 11 3.0% $338
$200 to $299 31 8.0% $788
$300 to $499 13 3.0% $1238
$500 to $749 138 37.0% $1913
$750 to $999 63 17.0% $2663
$1,000 to $1,499 109 29.0% $3788

St. Joseph, IL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,100$3,100
Yearly St. Joseph Homeowner Insurance Premium Example $1,200$800
Out of Pocket Expense During Claim$1,100$3,100
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $9,500$8,700
Net Savings to St. Joseph Home Owner from High Deductible Plan $800

St. Joseph, IL Home Insurance Costs With Home Replacement Value Scenarios

Scenario St. Joseph, IL Home Replacement Value MORE than Home Value St. Joseph, IL Home Replacement Value LESS than Home Value
Replacement Value $204,500 $112,500
Insurance Premium based on Replacement Value $950 $525
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $48,500 Risk Exposure from Under Insuring Coverage is $43,500
Premium Impact Insurance cheaper by $200/year Insurance costlier by $225/year

Example St. Joseph Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmTravelersLiberty Mutual
Monthly Premium 478799
Year Built 198320071972
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 1 Baths
Coverage Amount $200000-$250000$200000-$250000$200000-$250000
Deductible $5000 to $10,000 Deductible$500- $1000 Deductible$500 Deductible

Sample Home Insurance Rates for St. Joseph, IL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2000 125,000 Metal Roof 1,300 3 $2500-$5000 Deductible 200 5 Stone Siding yes
1942 315,000 Membrane Roof 3,240 5 $500 Deductible 1050 10 Vinyl siding No
2009 240,000 Membrane Roof 2,180 3 $2500-$5000 Deductible 530 7 Stucco siding No
1998 170,000 Asphalt Shingles Roof 2,030 3 $500 Deductible 730 10 Wood siding yes
2005 255,000 Slate Shingles Roof 2,720 4 $5000 to $10,000 Deductible 450 6 Stone Siding yes
1991 175,000 Asphalt Shingles Roof 1,720 5 $5000 to $10,000 Deductible 200 6 Stone Siding yes
1948 120,000 Wood Shake Roof 1,470 3 $1000-$2500 Deductible 430 12 Fiber-Cement Siding yes
2010 160,000 Slate Shingles Roof 1,610 3 $500 Deductible 490 6 Wood siding No
1976 230,000 Wood Shake Roof 2,160 5 $500- $1000 Deductible 1070 9 Vinyl siding No
1944 235,000 Tile Roof 3,020 4 $1000-$2500 Deductible 350 4 Stone Siding No
1980 180,000 Metal Roof 2,050 3 $5000 to $10,000 Deductible 320 8 Stone Siding yes
1975 135,000 Asphalt Shingles Roof 1,230 3 $500- $1000 Deductible 240 5 Stone Siding yes
2014 160,000 Membrane Roof 2,060 4 $5000 to $10,000 Deductible 210 4 Vinyl siding No
2013 135,000 Membrane Roof 1,280 3 $2500-$5000 Deductible 210 4 Brick siding yes
2010 310,000 Tile Roof 3,000 4 $5000 to $10,000 Deductible 770 9 Fiber-Cement Siding No
1946 320,000 Membrane Roof 2,780 4 $1000-$2500 Deductible 630 7 Stone Siding yes
2001 230,000 Wood Shake Roof 2,050 3 $5000 to $10,000 Deductible 800 12 Brick siding No
1948 370,000 Asphalt Shingles Roof 3,200 4 $2500-$5000 Deductible 1460 12 Stone Siding yes
1995 205,000 Wood Shake Roof 2,360 3 $1000-$2500 Deductible 180 3 Brick siding No
1985 105,000 Metal Roof 1,240 3 $1000-$2500 Deductible 120 4 Fiber-Cement Siding yes
1992 210,000 Shingles Roof 1,920 4 $2500-$5000 Deductible 140 2 Stone Siding yes
1983 250,000 Asphalt Shingles Roof 2,880 4 $1000-$2500 Deductible 250 3 Fiber-Cement Siding yes
2002 205,000 Metal Roof 2,040 4 $2500-$5000 Deductible 390 10 Wood siding yes
1996 440,000 Asphalt Shingles Roof 3,940 5 $5000 to $10,000 Deductible 1670 12 Stucco siding yes
2001 110,000 Slate Shingles Roof 1,330 3 $2500-$5000 Deductible 30 1 Stucco siding yes
1942 205,000 Tile Roof 2,370 4 $500- $1000 Deductible 720 10 Brick siding No
2002 435,000 Membrane Roof 4,470 5 $1000-$2500 Deductible 590 4 Fiber-Cement Siding No
1988 205,000 Tile Roof 1,990 3 $500 Deductible 590 9 Vinyl siding yes
2002 300,000 Wood Shake Roof 3,290 4 $500- $1000 Deductible 100 1 Wood siding No
2006 300,000 Wood Shake Roof 2,780 4 $500- $1000 Deductible 230 2 Fiber-Cement Siding yes
1992 155,000 Asphalt Shingles Roof 1,340 3 $500 Deductible 680 9 Wood siding yes
1943 515,000 Shingles Roof 4,650 5 $500- $1000 Deductible 2440 12 Stone Siding yes
2010 115,000 Metal Roof 1,270 3 $2500-$5000 Deductible 90 3 Stone Siding yes
1941 225,000 Membrane Roof 2,540 4 > $10,000 Deductible 230 3 Brick siding No