Vernon Hills Insurance Rates:

Vernon Hills, IL homeowners insurance is nearly $709 to $969, about $59-$80/month. Our complete analysis indicates shoppers can save as much as $336 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
I like that even though i have never had to use them, they are still easy to use. for example their website is nice.
Allstate
When i first started with the insurance company the people in the office were really mean and eager to leave for break
Nationwide
Nationwide was able to help find an adjustor that was very knowledgeable regarding our home. i appreciate them sending someone i felt comfortable with.
Liberty Mutual
I like the company. The people are always nice. It's affordable. I have never had any problems with the company. They are fast to reply to any questions I have.
Aaa
I think the premium is high obviously but at the same time, I get my entire house covered if anything happens and it's not exactly a drain on my finances anyway. I do often think about finding better deals but I don't want to limit my overall coverage just to save a few bucks.
Pekin Insurance
I appreciate the ease of use and the structure of information on the website. It makes it easy for me to understand the claim process as well as what is covered under my current policy.
American Family
Both the local office and the toll-free customer service reps are friendly, helpful and responsive. It's one of the main reasons we have not shopped around for more competitive rates.
Liberty Mutual
I like that we are cherished as customers. They are always very kind and knowledgeable on the phone.

Vernon Hills, IL Homeowners Insurance By Home Value

Vernon Hills, IL Home Value Total Homes % of Total Average Vernon Hills, IL Homeowners Insurance
Less than $50,000 88 1.0% $58
$80,000 to $89,999 69 1.0% $218
$100,000 to $124,999 418 8.0% $277
$125,000 to $149,999 471 9.0% $352
$150,000 to $174,999 494 10.0% $411
$175,000 to $199,999 448 9.0% $478
$200,000 to $249,999 547 11.0% $579
$250,000 to $299,999 555 11.0% $705
$300,000 to $399,999 1,548 32.0% $898

Top Home Insurance Agents Near Vernon Hills, IL

Home Insurance Company Near Vernon Hills, IL Homeowners Insurance Agency Near Vernon Hills, IL Address
Allstate Brian Roscoe 3806 N Ashland Ave, Chicago, IL, 60613
Farmers James Maslanka Lutcf 527 W 87th St, Naperville, IL, 60565
Nationwide Jim Kelly Ins Agency Inc 200 Peterson Rd., Libertyville, IL, 60048-1006
Nationwide Joseph A Karl 32 W Streamwood Blvd, Streamwood, IL, 60107-1343
State Farm Ray Nierstheimer 121 W Park Ave, Libertyville, IL, 60048-2742

Cost Of Homeowners Insurance By Street Near Vernon Hills, IL

Streets in Vernon Hills Area Homeowners Insurance Cost
Erma Lee Ct, Anthony St, Tallgass Ln, Sheila Ln, Valhalla Ter, Meadowoods Dr, Harrison Ct, Poplar Ct, Eaton Ct, Apollo Ct$1,016
Raintree Rd, Grant Pl, Trail Dr, Grace Ave, Birch Ct, Cascade Dr, W Hickory St, Juniper Pkwy, Kingston Dr, E White Barn Rd$927
Hawthorn Center, Riverside Dr, Catalpa Ln, N Prairie Ln, E Sunnyside Ave, Hilgers Ct, Sherwood Ct, N Shaddle Ave, Depot St, S 5th Ave$866
Spring Ln, Birmingham Pl, Locust Dr, W Gregg Rd, N Bristol Ct, Gifford Ct, Amelia Ct, Butternut Dr, Cantibury Ct, E High St$785
Old Wood Ct, Leeds Ct, N Keith Dr, Royal Birkdale, Beaver Creek Dr, Keswick Ln, Saddle Back Rd, Glendale Pl, Northwoods Ln, Donnelly Pl$863

Vernon Hills, IL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Vernon Hills$125 to $128
Mettawa$161
Vernon$130
Lincolnshire$140

Vernon Hills, 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
Mettawa village, Illinois $161 $215 $323
Vernon township, Lake County, Illinois $130 $173 $260
Lincolnshire village, Illinois $140 $187 $281

Vernon Hills, 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
Vernon Hills, IL3.0%7.0%
Mettawa2.25%8.97%
Vernon2.7%7.23%
Lincolnshire2.22%7.82%

Vernon Hills Renters Insurance as a Percentage of Rent

Vernon Hills Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 51 2.0% $748
$300 to $499 24 1.0% $1198
$500 to $749 96 4.0% $1873
$750 to $999 361 16.0% $2623
$1,000 to $1,499 673 30.0% $3748
$1,500 or more 963 44.0% $5398

Vernon Hills, IL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$2,900
Yearly Vernon Hills Homeowner Insurance Premium Example $1,000$800
Out of Pocket Expense During Claim$1,900$2,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $9,900$9,300
Net Savings to Vernon Hills Home Owner from High Deductible Plan $600

Vernon Hills, IL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Vernon Hills, IL Home Replacement Value MORE than Home Value Vernon Hills, IL Home Replacement Value LESS than Home Value
Replacement Value $576,000 $412,000
Insurance Premium based on Replacement Value $3,350 $2,400
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $84,500 Risk Exposure from Under Insuring Coverage is $79,500
Premium Impact Insurance cheaper by $475/year Insurance costlier by $475/year

Example Vernon Hills Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateState FarmNationwide Insurance
Monthly Premium 64118207
Year Built 200819902014
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $250000-$300000$400000-$500000$600000-$700000
Deductible > $10,000 Deductible$5000 to $10,000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1987 420,000 Membrane Roof 2,180 3 $500 Deductible 2380 12 Wood siding No
1991 220,000 Tile Roof 1,480 3 $2500-$5000 Deductible 340 5 Stone Siding yes
2012 680,000 Tile Roof 3,590 5 $1000-$2500 Deductible 2100 8 Stone Siding yes
1983 450,000 Composition Roof 2,400 3 $5000 to $10,000 Deductible 680 8 Brick siding No
2013 585,000 Metal Roof 2,990 4 > $10,000 Deductible 550 4 Fiber-Cement Siding yes
1986 370,000 Wood Shake Roof 2,520 4 $2500-$5000 Deductible 1180 7 Brick siding yes
1996 275,000 Tile Roof 1,800 4 $500 Deductible 810 7 Fiber-Cement Siding yes
1993 265,000 Shingles Roof 1,440 3 $1000-$2500 Deductible 1440 12 Vinyl siding No
1989 500,000 Wood Shake Roof 3,680 5 $500- $1000 Deductible 860 6 Wood siding yes
1985 455,000 Tile Roof 3,130 4 $500- $1000 Deductible 200 1 Vinyl siding yes
2010 635,000 Membrane Roof 3,330 5 $5000 to $10,000 Deductible 1140 8 Brick siding No
2005 280,000 Asphalt Shingles Roof 1,520 5 $5000 to $10,000 Deductible 710 10 Fiber-Cement Siding No
2004 375,000 Wood Shake Roof 2,740 4 $500- $1000 Deductible 250 2 Vinyl siding yes
1987 895,000 Asphalt Shingles Roof 4,990 5 $5000 to $10,000 Deductible 1430 5 Wood siding No
2010 330,000 Slate Shingles Roof 1,670 3 $1000-$2500 Deductible 1140 9 Wood siding yes
2007 555,000 Membrane Roof 2,960 4 $500 Deductible 960 5 Fiber-Cement Siding yes
2013 405,000 Metal Roof 2,140 5 > $10,000 Deductible 160 2 Wood siding No
2001 580,000 Membrane Roof 2,960 4 > $10,000 Deductible 230 2 Stucco siding yes
1989 260,000 Shingles Roof 1,730 5 > $10,000 Deductible 380 8 Wood siding yes