Waterloo Insurance Rates:

Waterloo, IL homeowners insurance is about $653 to $892, about $54-$74/month. Our in depth research reveals consumers can save upto $309 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Waterloo, IL Homeowners Insurance By Home Value

Waterloo, IL Home Value Total Homes % of Total Average Waterloo, IL Homeowners Insurance
Less than $50,000 77 2.0% $100
$60,000 to $69,999 37 1.0% $270
$70,000 to $79,999 32 1.0% $309
$80,000 to $89,999 91 3.0% $347
$90,000 to $99,999 80 2.0% $394
$100,000 to $124,999 241 8.0% $456
$125,000 to $149,999 353 12.0% $572
$150,000 to $174,999 456 15.0% $672
$175,000 to $199,999 375 12.0% $780
$200,000 to $249,999 689 23.0% $935
$250,000 to $299,999 243 8.0% $1144
$300,000 to $399,999 219 7.0% $1460

Top Home Insurance Agents Near Waterloo, IL

Home Insurance Company Near Waterloo, IL Homeowners Insurance Agency Near Waterloo, IL Address
NA Insurance Sol Of St Louis Dba The Milburn Agency 100 St Francois St #207, Florissant, MO, 63031
State Farm Brian Mateer 3112 Maryville Rd, Granite City, IL, 62040-5188
State Farm Matt Husband 301 St. Francois St., Florissant, MO, 63031
State Farm Renee Manley 3768 Humbert Rd, Alton, IL, 62002-7107
State Farm Sam Morrill 1550 N Main St Ste C, Columbia, IL, 62236-1070

Cost Of Homeowners Insurance By Street Near Waterloo, IL

Streets in Waterloo Area Homeowners Insurance Cost
Prairie Rose Ln, Dove Ln, Floraville Rd, Bluff Meadows Dr, Woodland Ridge, Bluff Rd, Sunset Dr, Ole Still Rd, Levee Rd, Susewind Ln$807
Altes Rd, Moore Rd, Cheshire Dr, Quarry Rd, Rogers St, Gladel Dr, Co Hwy 2, Sandalwood, Cemetery Rd, Veterans Dr$773
Madison Dr, Ziebold Rd, Villa Ct, Autumn Ridge, Boehne Dr, Grand Ave, N Market St, Co Hwy 7, Lakeside Dr, Lee Dr$769
Ditchs Run, Sportsman Rd, Ll Rd, New Brunswick Dr, Chester St, Hardy Ln, Sprankel Rd, Westview Pl, Quail Ridge Ln, Baum Rd$774
Pautler Pl, Oakridge Dr, Lincoln Dr, Bluffside Dr, C Rd, E 4th St, Empson Dr, Covered Bridge Dr, 1st St, Hannah Dr$767

Waterloo, IL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Waterloo$115 to $118
Precinct$126
Monroe County$116
Paderborn$117

Waterloo, 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
Precinct 28, Monroe County, Illinois $126 $168 $252
Monroe County, Illinois $116 $155 $233
Paderborn CDP, Illinois $117 $156 $234

Waterloo, 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
Waterloo, IL4.0%12.6%
Precinct3.73%9.29%
Monroe County3.94%12.09%
Millstadt3.79%10.82%

Waterloo Renters Insurance as a Percentage of Rent

Waterloo Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 14 1.0% $332
$200 to $299 29 3.0% $782
$300 to $499 88 10.0% $1232
$500 to $749 204 24.0% $1907
$750 to $999 318 38.0% $2657
$1,000 to $1,499 145 17.0% $3782
$1,500 or more 22 2.0% $5432

Waterloo, IL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$2,700
Yearly Waterloo Homeowner Insurance Premium Example $1,500$1,000
Out of Pocket Expense During Claim$700$2,700
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $9,700$8,700
Net Savings to Waterloo Home Owner from High Deductible Plan $1,000

Waterloo, IL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Waterloo, IL Home Replacement Value MORE than Home Value Waterloo, IL Home Replacement Value LESS than Home Value
Replacement Value $272,000 $173,500
Insurance Premium based on Replacement Value $1,450 $925
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $61,000 Risk Exposure from Under Insuring Coverage is $37,500
Premium Impact Insurance cheaper by $200/year Insurance costlier by $325/year

Example Waterloo Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceGEICO InsuranceAmerican Family Insurance
Monthly Premium 6712090
Year Built 200719482012
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 4 Baths
Coverage Amount $150000-$175000$250000-$300000$250000-$300000
Deductible $1000-$2500 Deductible$500- $1000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2013 210,000 Metal Roof 1,780 3 $500- $1000 Deductible 260 3 Stucco siding No
1944 265,000 Tile Roof 2,250 4 $2500-$5000 Deductible 780 7 Fiber-Cement Siding yes
2011 280,000 Slate Shingles Roof 2,370 4 $1000-$2500 Deductible 90 1 Brick siding yes
1996 180,000 Wood Shake Roof 2,110 3 $500- $1000 Deductible 400 5 Stucco siding yes
1946 175,000 Shingles Roof 1,920 3 $500 Deductible 280 5 Stucco siding No
1940 185,000 Wood Shake Roof 2,020 3 $1000-$2500 Deductible 570 6 Wood siding No
2010 315,000 Metal Roof 2,670 5 $500- $1000 Deductible 280 2 Fiber-Cement Siding No
2010 195,000 Shingles Roof 2,290 3 $2500-$5000 Deductible 160 3 Vinyl siding No
2000 300,000 Metal Roof 3,340 4 $2500-$5000 Deductible 550 6 Fiber-Cement Siding No
2008 180,000 Asphalt Shingles Roof 2,070 5 $2500-$5000 Deductible 730 9 Stucco siding yes
2008 110,000 Composition Roof 1,220 3 $500- $1000 Deductible 230 5 Stone Siding yes
2012 210,000 Metal Roof 1,730 3 $2500-$5000 Deductible 320 7 Fiber-Cement Siding No
1947 235,000 Membrane Roof 2,200 4 $5000 to $10,000 Deductible 160 3 Stone Siding yes
2008 265,000 Membrane Roof 2,530 4 $2500-$5000 Deductible 920 8 Fiber-Cement Siding yes
1943 265,000 Membrane Roof 3,030 5 $500- $1000 Deductible 680 6 Stucco siding No
1943 550,000 Metal Roof 4,600 5 $500- $1000 Deductible 1280 7 Wood siding yes
2010 175,000 Membrane Roof 1,680 3 $2500-$5000 Deductible 310 7 Stone Siding No
2014 145,000 Composition Roof 1,270 3 $500- $1000 Deductible 560 9 Stone Siding yes
2014 255,000 Shingles Roof 2,580 5 $5000 to $10,000 Deductible 280 5 Stone Siding No
2009 175,000 Wood Shake Roof 1,680 4 $500 Deductible 630 9 Wood siding yes
2007 270,000 Tile Roof 2,390 3 $500- $1000 Deductible 110 1 Brick siding yes
2005 390,000 Slate Shingles Roof 3,870 5 > $10,000 Deductible 1170 10 Stone Siding yes
1949 130,000 Composition Roof 1,460 3 $500- $1000 Deductible 380 8 Brick siding No
2010 290,000 Composition Roof 2,990 5 $5000 to $10,000 Deductible 230 3 Wood siding No
1994 145,000 Composition Roof 1,370 3 $500- $1000 Deductible 440 9 Stone Siding yes
2001 220,000 Composition Roof 2,100 3 $500- $1000 Deductible 770 10 Stucco siding No
1993 385,000 Composition Roof 3,200 5 $500 Deductible 370 2 Brick siding No
2001 125,000 Slate Shingles Roof 1,270 3 $500- $1000 Deductible 330 10 Brick siding No
1940 280,000 Tile Roof 2,290 3 $5000 to $10,000 Deductible 580 6 Stone Siding yes
1994 260,000 Metal Roof 2,290 3 $500- $1000 Deductible 610 5 Fiber-Cement Siding yes
1944 490,000 Asphalt Shingles Roof 4,610 5 > $10,000 Deductible 650 6 Vinyl siding yes
2013 190,000 Membrane Roof 2,000 4 $500- $1000 Deductible 140 2 Stucco siding No