Troy Insurance Rates:

Troy, IL homeowners insurance is about $666 to $904, about $55-$75/month. Our extensive research reveals consumers can save as much as $314 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Country Financial
The insurance cost keeps going up even when i didn't claim for anything.
State Farm
I recommend no other company I pay better service, is very good
State Farm
When choosing my current policy, it was by far the most comprehensive for the price. As my premium has not changed in years, I'm totally satisfied with the policy I have.
State Farm
the negative thing about that is that i cannot immediately deposit the cheque in my bank account and start the repair to the damage to my home because there is a waiting process after that.
Homesite Insurance
I like how professional and quick the company is. They kept their word and honored their promises. It's been satisfying.
Allstate
I do NOT like that the sort of penalize loyal customers over the decades
Allstate
I feel like the premium that I pay is decent for the amount of coverage I have, but it could be a little bit lower
Allstate
Once called customer service to inquire about a broken glass deductible and then rates went up because they said I had a claim with the broken glass. There was no claim just an inquiry.
Allstate
Allstate is really the complete home insurance package. They have great customer service, good policies that are consumer friendly and affordable premiums and deductibles.
Homesite Insurance
Insurance cost too much. When you submit a claim company not willing to pay. Cust service reps not friendly. If you ask a question it’s as if you are bothering them. They don’t put customers first.
State Farm
State Farm gives me a fair home insurance rate and great customer service. And they are willing to insurance my home in the state of florida. These are the arguments.

Troy, IL Homeowners Insurance By Home Value

Troy, IL Home Value Total Homes % of Total Average Troy, IL Homeowners Insurance
Less than $50,000 434 3.0% $86
$90,000 to $99,999 167 1.0% $353
$100,000 to $124,999 756 5.0% $408
$125,000 to $149,999 1,092 8.0% $510
$150,000 to $174,999 1,850 13.0% $604
$175,000 to $199,999 1,742 13.0% $698
$200,000 to $249,999 3,681 27.0% $839
$250,000 to $299,999 2,079 15.0% $1028
$300,000 to $399,999 1,364 10.0% $1303

Top Home Insurance Agents Near Troy, IL

Home Insurance Company Near Troy, IL Homeowners Insurance Agency Near Troy, IL Address
Travelers All Suburban Insurance Services Inc 22000 N PEPPER RD STE C, BARRINGTON, IL, 60010
Travelers Amana Insurance Agency 270 W NORTH AVE #39, VILLA PARK, IL, 60181
State Farm Brad Sutter 435 S Roselle Rd Lowr 1, Schaumburg, IL, 60193-2975
Farmers Brian Nakaerts Lutcf 407 W State St, Sycamore, IL, 60178
State Farm Gene Zurawski 3440 W 111th St Ste 2, Chicago, IL, 60655-3340

Troy, IL Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Troy, IL

Streets in Troy Area Homeowners Insurance Cost
S Deal Ave, Fieldstone Dr S, Lakewoods Ln, Marion Dr, Baltz Dr, Willow Pass, Galway Rd, Baltz Rd, Willow Pass, Clearview Ct$792
Bluegrass Ln, Winterberry Dr, Cardinal Pl, Frank Dr, Co Hwy 3, Richards Ct, SE Frontage Rd, Twin Oaks Dr, Mooney Dr, S Meadowview Ln$770
Ingolsby Rd, Cornwall Dr, Hadrian Dr, S Cedar Dr, Sharp Dr, Menlo Ct, Northfield Dr, Irish Indian Trl, Susan St, Benham Dr$788
Heintz Dr, Bloomfield Dr, S Camelot Ct, Rosary Ln, Edinburgh Ct, Bantry Dr, Forest View Dr, Blackthorne Dr, Rooney Dr, S Eastcliff Dr$787
Lennox Ct, S Woodland Way, Tana Ln, W Black Rd, Forest Oak Ln, S Kent Rd, Citadel Dr, Danny Dr, Country Dr, Jodee Dr$788

Troy, IL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Troy$117 to $120
Shorewood$120
Joliet$115
Rockdale$113

Troy, 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
Shorewood village, Illinois $100 $133 $200
Joliet city, Illinois $96 $128 $192
Rockdale village, Illinois $95 $126 $189

Troy, 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
Troy, IL3.4%9.4%
Shorewood3.09%8.9%
Joliet3.59%11.29%
Rockdale5.15%17.14%

Troy Renters Insurance as a Percentage of Rent

Troy Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 25 1.0% $326
$200 to $299 28 1.0% $776
$300 to $499 48 2.0% $1226
$500 to $749 233 13.0% $1901
$750 to $999 489 28.0% $2651
$1,000 to $1,499 345 19.0% $3776
$1,500 or more 570 32.0% $5426

Troy, IL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$8,900
Yearly Troy Homeowner Insurance Premium Example $3,000$2,000
Out of Pocket Expense During Claim$1,900$8,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $25,900$24,900
Net Savings to Troy Home Owner from High Deductible Plan $1,000

Troy, IL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Troy, IL Home Replacement Value MORE than Home Value Troy, IL Home Replacement Value LESS than Home Value
Replacement Value $284,000 $194,500
Insurance Premium based on Replacement Value $1,700 $1,175
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $34,500 Risk Exposure from Under Insuring Coverage is $55,000
Premium Impact Insurance cheaper by $325/year Insurance costlier by $200/year

Example Troy Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceAmerican Family InsuranceAmica Mutual Insurance Company
Monthly Premium 3992123
Year Built 200119832014
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $100000-$125000$350000-$400000$350000-$400000
Deductible $1000-$2500 Deductible> $10,000 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Troy, 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 210,000 Shingles Roof 1,890 4 $2500-$5000 Deductible 190 3 Fiber-Cement Siding No
2010 310,000 Asphalt Shingles Roof 2,460 5 $5000 to $10,000 Deductible 920 8 Stucco siding yes
2000 290,000 Wood Shake Roof 3,010 5 > $10,000 Deductible 240 3 Fiber-Cement Siding yes
1987 205,000 Wood Shake Roof 1,830 3 $5000 to $10,000 Deductible 200 3 Brick siding yes
1999 310,000 Wood Shake Roof 2,230 3 $1000-$2500 Deductible 730 8 Stone Siding No
2012 280,000 Metal Roof 2,140 4 > $10,000 Deductible 530 8 Wood siding yes
1980 345,000 Wood Shake Roof 3,100 4 $500- $1000 Deductible 1500 12 Stone Siding yes
2004 300,000 Slate Shingles Roof 2,210 3 $5000 to $10,000 Deductible 280 4 Wood siding No
2011 210,000 Composition Roof 2,210 3 > $10,000 Deductible 80 2 Wood siding No
2001 610,000 Wood Shake Roof 4,680 5 $1000-$2500 Deductible 660 4 Vinyl siding No
1993 360,000 Metal Roof 2,620 4 $1000-$2500 Deductible 670 5 Fiber-Cement Siding No
2007 425,000 Metal Roof 3,210 5 $500- $1000 Deductible 560 3 Fiber-Cement Siding yes
2012 580,000 Asphalt Shingles Roof 4,590 5 $1000-$2500 Deductible 180 1 Fiber-Cement Siding yes
1998 265,000 Asphalt Shingles Roof 2,040 3 > $10,000 Deductible 180 3 Stone Siding yes
2007 380,000 Wood Shake Roof 3,510 5 $2500-$5000 Deductible 570 5 Vinyl siding yes
1999 335,000 Tile Roof 2,860 4 $2500-$5000 Deductible 90 1 Vinyl siding yes
2014 505,000 Shingles Roof 3,920 5 $500- $1000 Deductible 690 4 Brick siding yes
2010 195,000 Wood Shake Roof 1,770 3 $2500-$5000 Deductible 50 1 Stucco siding No
2005 410,000 Composition Roof 3,320 5 $500- $1000 Deductible 1450 9 Fiber-Cement Siding No
1984 345,000 Tile Roof 2,890 4 $500 Deductible 530 3 Vinyl siding No
1990 205,000 Tile Roof 1,720 4 $500- $1000 Deductible 220 3 Fiber-Cement Siding yes
1998 340,000 Slate Shingles Roof 2,910 5 $5000 to $10,000 Deductible 560 8 Stone Siding No
1984 335,000 Asphalt Shingles Roof 3,040 5 $5000 to $10,000 Deductible 210 3 Stucco siding No
1991 455,000 Composition Roof 3,740 5 $500 Deductible 2100 12 Brick siding yes
1981 250,000 Tile Roof 2,210 4 $1000-$2500 Deductible 320 3 Stucco siding yes
2003 305,000 Slate Shingles Roof 3,300 4 $2500-$5000 Deductible 500 7 Brick siding No
1997 240,000 Metal Roof 1,750 3 $5000 to $10,000 Deductible 260 4 Fiber-Cement Siding No
2013 220,000 Tile Roof 1,930 5 $2500-$5000 Deductible 1100 12 Wood siding No
1988 280,000 Shingles Roof 2,540 4 $5000 to $10,000 Deductible 60 1 Wood siding yes
1983 180,000 Tile Roof 1,660 4 $500- $1000 Deductible 430 5 Fiber-Cement Siding No
1992 295,000 Slate Shingles Roof 2,220 3 $500- $1000 Deductible 650 6 Fiber-Cement Siding No
2014 290,000 Metal Roof 2,110 4 $1000-$2500 Deductible 100 1 Wood siding No
2013 355,000 Asphalt Shingles Roof 2,880 4 $500- $1000 Deductible 790 6 Wood siding No
2008 290,000 Slate Shingles Roof 2,870 4 $1000-$2500 Deductible 960 8 Fiber-Cement Siding yes

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