Swansea Insurance Rates:

Swansea, IL homeowners insurance is about $643 to $881, about $53-$73/month. Our comprehensive analysis indicates shoppers can save as much as $304 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Swansea, IL Homeowners Insurance By Home Value

Swansea, IL Home Value Total Homes % of Total Average Swansea, IL Homeowners Insurance
Less than $50,000 474 12.0% $114
$50,000 to $59,999 122 3.0% $243
$60,000 to $69,999 75 2.0% $304
$70,000 to $79,999 121 3.0% $350
$80,000 to $89,999 162 4.0% $396
$90,000 to $99,999 165 4.0% $441
$100,000 to $124,999 272 7.0% $510
$125,000 to $149,999 408 11.0% $640
$150,000 to $174,999 347 9.0% $762
$175,000 to $199,999 444 12.0% $876
$200,000 to $249,999 456 12.0% $1051
$250,000 to $299,999 299 8.0% $1287
$300,000 to $399,999 339 9.0% $1638

Top Home Insurance Agents Near Swansea, IL

Home Insurance Company Near Swansea, IL Homeowners Insurance Agency Near Swansea, IL Address
Travelers Independent Insurors Inc 1714 Deer Tracks Trl Ste 210 Saint Louis, St Louis, MO, 63131
Allstate Steven Misuraca 516 Meramec Station Rd, Valley Park, MO, 63088
NA Pro Con 16052 Swingley Ridge Rd 16052 Swingley Ridge Rd, Chesterfield, MO, 63017
Travelers Ackermann Agency Inc 1200 SWANWICK ST, CHESTER, IL, 62233
Liberty Mutual Independent Bittner Insurance Agency Inc 5408 HAMPTON AVE, SAINT LOUIS, MO, 63109

Cost Of Homeowners Insurance By Street Near Swansea, IL

Streets in Swansea Area Homeowners Insurance Cost
Clemson Ave, Bayberry St, N Mount Vernon Dr, Timber Dr, Leininger Dr, Terry Ln, Jennine Dr, Twin Lake Ct, Saluki Dr, Paragon Dr$750
Barbary Way, Timothy Ln, Willow Lake Dr, W State St, Loma Ln, Rand Ln, Benchmark Centre Dr, Bettina Dr, Depaul Dr, Fairfield Pl$742
St Clair St, White Pines Pt, Timberlake Dr, Sandra Dr, Barco Dr, Leawood Dr, Lucy Dr, Lake Del-Mar, Saint Ellen St, Wood Duck Dr$756
Royal Mine Rd, Booster Rd, Terrace Green Ln, Cobblestone Ln, Gaston Ct, Atlantic Ave, Lake Christine Ct, Penrose Dr, Purple Blossom, Alice Dr$741
S 30th St, Ida Dr, Roclare Dr, Waterford Dr, Aspenleaf Ln, Gate Lorraine, S 31st St, Heidi Rd, Enos Dr, St Ellen Mine Rd$792

Swansea, IL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Swansea$113 to $115
St. Clair$113
Belleville$110
Fairview Heights$112

Swansea, 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
St. Clair township, St. Clair County, Illinois $95 $126 $189
Belleville city, Illinois $92 $123 $184
Fairview Heights city, Illinois $94 $125 $187

Swansea, 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
Swansea, IL3.7%11.8%
St. Clair3.99%12.51%
Belleville4.73%13.02%
Fairview Heights4.54%12.98%

Swansea Renters Insurance as a Percentage of Rent

Swansea Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 62 5.0% $1238
$500 to $749 370 33.0% $1913
$750 to $999 375 34.0% $2663
$1,000 to $1,499 247 22.0% $3788
$1,500 or more 41 3.0% $5438

Swansea, IL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$3,000
Yearly Swansea Homeowner Insurance Premium Example $1,300$800
Out of Pocket Expense During Claim$1,000$3,000
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $10,100$8,600
Net Savings to Swansea Home Owner from High Deductible Plan $1,500

Swansea, IL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Swansea, IL Home Replacement Value MORE than Home Value Swansea, IL Home Replacement Value LESS than Home Value
Replacement Value $109,500 $75,000
Insurance Premium based on Replacement Value $525 $350
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $12,000 Risk Exposure from Under Insuring Coverage is $22,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $75/year

Example Swansea Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Erie InsuranceTravelersGEICO Insurance
Monthly Premium 505480
Year Built 196919922005
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 3 Baths
Coverage Amount $100000-$125000$200000-$250000$200000-$250000
Deductible $500- $1000 Deductible> $10,000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1996 495,000 Asphalt Shingles Roof 4,600 5 > $10,000 Deductible 510 4 Stone Siding yes
1960 200,000 Metal Roof 1,920 3 $500 Deductible 340 4 Vinyl siding yes
2010 345,000 Asphalt Shingles Roof 3,390 5 $5000 to $10,000 Deductible 390 6 Brick siding yes
2003 215,000 Metal Roof 1,910 3 > $10,000 Deductible 180 4 Vinyl siding yes
2008 145,000 Asphalt Shingles Roof 1,450 3 $1000-$2500 Deductible 340 7 Brick siding No
2005 270,000 Membrane Roof 2,920 4 $2500-$5000 Deductible 280 3 Fiber-Cement Siding No
2014 245,000 Metal Roof 3,080 4 $2500-$5000 Deductible 700 12 Stucco siding yes
1992 125,000 Asphalt Shingles Roof 1,610 3 $500- $1000 Deductible 140 4 Wood siding No
2006 305,000 Shingles Roof 2,800 4 $500- $1000 Deductible 1330 10 Wood siding yes
1994 400,000 Tile Roof 3,910 5 $2500-$5000 Deductible 590 5 Fiber-Cement Siding No
1991 150,000 Asphalt Shingles Roof 1,450 3 $500- $1000 Deductible 340 7 Stucco siding No
2005 190,000 Wood Shake Roof 1,720 4 $500- $1000 Deductible 260 3 Stucco siding No
2004 285,000 Slate Shingles Roof 3,230 4 $2500-$5000 Deductible 840 12 Stone Siding yes
2004 285,000 Metal Roof 2,910 4 $500 Deductible 1330 9 Fiber-Cement Siding yes
2012 115,000 Membrane Roof 1,320 3 $500- $1000 Deductible 360 10 Stone Siding No
1999 240,000 Wood Shake Roof 2,940 4 $500- $1000 Deductible 1020 12 Stone Siding yes
1960 330,000 Membrane Roof 3,210 5 $5000 to $10,000 Deductible 110 1 Fiber-Cement Siding yes
2010 245,000 Asphalt Shingles Roof 3,060 4 $2500-$5000 Deductible 180 2 Stone Siding No
2000 240,000 Asphalt Shingles Roof 2,530 4 $500 Deductible 410 3 Stone Siding yes
2000 185,000 Slate Shingles Roof 2,100 4 $500 Deductible 370 5 Stucco siding yes
2003 325,000 Membrane Roof 2,920 4 $1000-$2500 Deductible 1290 10 Brick siding yes
2014 235,000 Wood Shake Roof 2,330 3 $1000-$2500 Deductible 730 10 Stone Siding yes
2008 335,000 Asphalt Shingles Roof 3,710 5 $2500-$5000 Deductible 820 8 Wood siding yes
2011 175,000 Shingles Roof 2,170 3 $500- $1000 Deductible 220 3 Stone Siding No
1999 235,000 Asphalt Shingles Roof 2,690 4 $500 Deductible 100 1 Stone Siding yes
1992 175,000 Slate Shingles Roof 1,790 3 $500- $1000 Deductible 680 9 Vinyl siding yes
2001 430,000 Membrane Roof 4,760 5 $2500-$5000 Deductible 530 4 Vinyl siding yes
1966 145,000 Membrane Roof 1,700 5 $1000-$2500 Deductible 350 5 Stone Siding No