Check out the most popular Home Insurance agencies & companies in Adams County, IL & compare the best quotes from them.

Get Quotes From The Best & Compare

How to make Homeowners Insurance Cheap in Adams County, IL ?

The  average home insurance cost in Adams County is $691 which is lower than the national average premium. There are different factors that affect the cost of a policy including home value,coverage type, deductible and age or the material used to build your house. Home owners can make use of the available discounts to further lower their home insurance cost.  Check out the discounts available for Adams County homeowners.

Average Homeowners Insurance Cost Based on the Material Used 

How_to_make_Homeowners_Insurance_Cheap_in_Adams_County_IL

The material used to build your home is an important factor in deciding the home Insurance cost.Homes built using sturdy materials have less threat to damage. Hence, home insurance companies offer considerable discounts to homes built using damage-resistant materials. Adams County homes built using fire-resistive materials can avail of home insurance for $608 and homes built using masonry and brick can avail of home insurance for $656. Homeowners pay $622 and $670 for homes with superior and hail resistant roofs respectively.

Homes with advanced security features are less prone to burglaries and damage. Hence, home insurance companies in Adams County encourage homeowners to install home safety devices by offering discounts as incentives. For instance, Adams County homes with deadbolts and fire extinguishers pay $601 and $622 respectively, on home insurance rates. Additionally, homes equipped with burglar alarms and smoke detectors receive a discount of $628 and $635, respectively, on homeowners insurance.

Age of the home is an important variable to decide the home insurance cost.Older homes are likely to have more damages that increases the risk and thus increases the premiums. Adams County homes older than 40 and 50 years old pay $709 and $717 respectively.On the other hand newly built homes are less prone to damage and home insurance companies offer substantial discounts to newly constructed homes. For instance newly constructed homes in Adams County can avail lower insurance of $553.

Apart from these, Home insurance companies provide discounts to homeowners who have a claims-free history. Moreover, home insurance rates in Adams County can increase  up to $774 based on the type and number of claims. Broomfield homeowners with a claims-free history can avail home insurance for $608.

Top Home Insurance Companies in Adams County, IL

Home Insurance Company A.M. Best Financial Strength Rating Homeowners Insurance Market share
Allstate A+ 12.05%
Nationwide A+ 9.8%
Liberty Mutual A 4.93%
Erie A+ 3.6%
Travelers A++ 3.06%

Top Liberty Mutual Home Insurance Agents in Adams County, IL

Homeowners Insurance Agents Agent Address Contact Details
Joseph Mills 16 S HILL ST
62694
217-742-9595
Joseph N Dicaprio 100 WEST EDWARDS
62360
217-656-3252

Top Erie Home Insurance Agents in Adams County, IL

Homeowners Insurance Agents Agent Address Contact Details
J B Williams & Associates Inc 1235 MULHOLLAND STREET
62354
217-453-6344
Capital-Richter Insurance Services Llc 3601 E Lake Ctr
62305-5873
217-223-7520
D & B Insurance Llc 509 N Lafayette Street
61455-1597
309-837-5665

Top Travelers Home Insurance Agents in Adams County, IL

Homeowners Insurance Agents Agent Address Contact Details
Gannon Associates 1235 Mulholland
62354
(217) 453-6344
Texas Sun Insurance Agency Inc 205 W Main Street
www.txsuninsurance.com 61440
Cates Insurance & Financial Services 211 S Main St
www.catesinsurance.com 63461-1649
573-769-3330
Email:catesins@swbell.net
Canyon Insurance Associates Inc 201 Georgia St
www.canyon-insurance.com 63353-1715
573-754-5575
Email:randy@canyon-insurance.com
G W Mountcastle Agency Inc PO Box 146
62316
(217) 842-5240
Tyler Insurance Inc 415 Chestnut 415 Chestnut
52625
Ea-Benson Insurance Agency Llc 2704 Broadway St
62301
(217) 223-5536
American Auto Club Insurance Agency Llc 114 E Main
62353
217-773-4170
Wells Fargo Ins Services Of Minnesota Inc 301 W Main St
62611
Sia - Associated Insurance Agency, Inc. 9 Kendall Ave
62312
(217) 335-2700

Top Nationwide Home Insurance Agents in Adams County, IL

Homeowners Insurance Agents Agent Address Contact Details
Brooks Edward Mcdonald 300 N Center St
63468-1120
573-588-4565
William Doug Pyron 1214 E Champ Clark Dr Bowling\u00a0Green
63334
Stanley K Beck 610 S 12Th
62301
Jason E Sechler Agency 123 N 6TH ST
63401
573-221-8484
William Gilliam 403 Main St
62379

Top Allstate Home Insurance Agents in Adams County, IL

Homeowners Insurance Agents Agent Address Contact Details
Joseph Negron Giguere 331 S 36TH ST STE 5
62305
217-222-0263
Bob Galusky 509 N Lafyt St Ste 200
61455-1597
309-837-5665
William R Hensley 617 Madison
52625
Gary Trabucco 130 S Monroe St
62363
(217) 285-1300
Patrick M. Mchugh 111 W MAIN ST
62618
(217) 323-2623
Warner Insurance Agency 613 Broadway
62301
Tuyen Nguyen 128 W Main St Mt.\u00a0Sterling
62353
Craig Andrews 10054 US Highway 67
62618-8027
217-323-2695
Joseph Noah 535 MAINE ST STE 1B
62301
217-214-0534
Jason Dickinson 100 NORTH MAIN STREET
63382
573-594-3727

Homeowners Insurance Comparison for the Cheapest Premiums in Adams County, IL

TravelersLiberty MutualErie
Median Home Value ($) 128,180118,180118,180
Construction year 195119651977
Home Coverage ($) $150000-$175000$125000-$150000$75000-$100000
Total Premium ($) $1254$1092$925

Adams County, IL Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Liberty Mutual upto 17%
Erie upto 16%
Travelers upto 8%
Nationwide upto 7%
Allstate upto 22%