Top 5 Home Insurance Companies in Pekin, IL
Check out the most popular Home Insurance agencies & companies in Pekin, IL & compare the best quotes from them.
Tips for Saving Money on Home Insurance in Pekin, IL
As a Pekin, IL homeowner, you know the importance of protecting your home and belongings. But what about protecting your home from financial losses from fires, severe weather, and theft? That's where homeowners insurance comes in. Homeowners insurance is a type of property insurance that covers your home and possessions in the event of certain types of damage or loss. When shopping for homeowners insurance, it's important to work with an experienced agent who can help you understand your coverage options and choose a policy that meets your needs. You'll also want to ensure you understand your policy's deductibles and limits and any exclusions. Homeowners insurance is an integral part of protecting your home and your finances. Don't wait until it's too late to get your needed coverage. Contact an insurance agent today to get started.
In Pekin, IL, the average cost of homeowner's insurance is $644.08. It's crucial to shop around and select a house insurance policy that suits your needs because many different types of coverage are available. Make sure to carefully study the policy to understand what is and isn't covered. It might save you a lot of money and hassle in the long run. However, homeowners should compare prices provided by numerous Pekin, Illinois, home insurance companies before choosing a plan. Here are a few strategies for locating affordable homeowners insurance in Pekin, Illinois.
Tips that can save you some money on your homeowner's insurance in Pekin, IL :
1. Choose a coverage that fits your home requirements
2. Opt for a higher deductible to lower your insurance premiums
3. Check home insurance rates by the age of the house
4. Install security systems at your home to avail discounts on homeowners insurance
Choose a coverage that fits your home requirements
As a homeowner, finding an insurance policy that matches your needs is important. Homeowners insurance offers protection for your home, belongings, and more in case of a covered loss. Choosing a policy with the right amount of coverage and any additional riders or features you may need is essential. For instance, those who choose a $300K coverage level in Pekin, Illinois, pay $2510 for home insurance, while those who choose a $100K coverage level pay $708.
The chart below illustrates how the coverage impacts the cost of house insurance in Pekin, IL.
Opt for a higher deductible to lower your insurance premiums
Like most people, you want to save money on your homeowners insurance premiums. One way to do this is to opt for a higher deductible. Doing so can lower your insurance premiums and avail discounts on homeowners insurance in Pekin, IL. A higher deductible means you'll have to pay more out of pocket if you need to file a claim. But it also means that your premiums will be lower. And, if you're a responsible homeowner who doesn't file many claims, you could save a lot of money in the long run. Of course, you need to be sure you can afford the higher deductible if you file a claim. But if you're confident in your ability to pay, opting for a higher deductible can be a great way to save on your homeowner's insurance premiums. In Evans, GA, homeowners who choose a $500 deductible pay $637 for their house insurance.
Check home insurance rates by the age of the house
As your home ages, it becomes more vulnerable to damage. Check home insurance rates by the age of the house to avail discounts on homeowners insurance in Pekin, IL. Many insurance companies offer a discount on homeowners insurance for older homes. Older homes are more likely to have structural problems, such as cracks in the foundation or walls. They are also more likely to have electrical or plumbing problems. These problems can lead to water damage, one of the most common damages to homes. For instance, homes that are 30 or 40 years old in Pekin, Illinois, cost $654 and $661 in insurance, respectively, whereas newly constructed homes cost $503.
Install security systems at your home to avail discounts on homeowners insurance
As a Pekin, IL, homeowner, you may be able to get a discount on your homeowner's insurance if you install security systems in your home. Many insurance companies offer discounts for homes with security systems, as these systems can help deter burglaries and other crimes. There are a variety of security systems that you can choose from, so be sure to shop around and find one that meets your needs and budget. Once you have your security system installed, keep it maintained and in good working order to ensure that you continue receiving the discount on your insurance. For instance, homes in Pekin, IL, with deadbolts and fire extinguishers, pay $561 and $587 for home insurance.
Top Home Insurance Companies in Pekin, IL
| Home Insurance Company | A.M. Best Financial Strength Rating | Homeowners Insurance Market share |
|---|---|---|
| State Farm | A | 33.07% |
| Allstate | A+ | 12.05% |
| Nationwide | A+ | 9.8% |
| Liberty Mutual | A | 4.93% |
| Erie | A+ | 3.6% |
Top Allstate Home Insurance Agents in Pekin, IL
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Tribble Insurance Agency | 203 E Douglas 61725 |
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| John Karas | 180 WEST SOUTH STREET 61443 |
309-852-5522 | |
| Steven W. Wentworth | 7800 N Sommer St. Suite 204 61615 |
(309) 439-9610 | |
| Burk Insurance | 3332 W Willow Knolls Dr Ste A 61614-1011 |
309-693-1103 | |
| Christopher Jackson | 2501 E College Ave 61704-2484 |
309-661-1700 | |
| Caren Adams | 301 N Main St 61550-2027 |
309-263-2371 | |
| Joseph Mchugh | 7150 N UNIVERSITY 61614 |
309-683-1100 | |
| Stracar Insurance | 632 W. Jefferson St 61550 |
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| Clay A. Ellwood | 1978 N Henderson St 61401-1325 |
309-342-4166 | |
| Brian Hawks | 112 Landmark Dr Ste A2 61761-2198 |
309-454-4000 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Susan Tysor Insurance | P O Box 230 61755 |
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| Thrift Insurance Corporation | 416 W Main St 61335 |
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| Acl Insurance | 315 W Johnson St 61727-1329 |
217-935-6669 | |
| Tigrett & Pennington | 1865 North Henderson Street www.tpins.com 61401 |
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| Allen Insurance Agency | 802 N Clinton St Ste C 61701-3299 |
309-827-3276 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| John Poma | 2211 BROADWAY www.johnpoma.com 61554 |
309-347-2177 | |
| Calvin Seitz | 4713 N Prospect Rd 61616-6439 |
309-685-1700 | |
| Gareth Ayers | 500 W Main St www.agentayers.com 61422 |
(309) 772-2468 | |
| Joe Pearce | 109 S LAFAYETTE www.joepearceinsurance.com 62548 |
217-792-5251 | |
| Joe Pledger | 617 KEOKUK ST www.joepledger.com 62656 |
217-732-7341 | |
| Jay Morgan | 1615 W Candletree Dr 61614 |
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| John Pitts | 301 N MAIN ST www.johnpitts.biz 61520 |
309-647-1360 | |
| Steve Allman | 1407 W Front St 61561 |
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| Toni Sober | 218 S Exchange www.tonisober.com 61434 |
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| John Pitre | 120 RAILROAD ST www.myagentjohn.com 62627 |
217-458-2524 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Griffin-Owens Ins Spc Llc Agency | 1015 S Main St 61761 |
(309) 454-2231 | |
| Michael Mcgowen Agency Inc | 7714 N. Grand Prairie Drive 61615 |
1-309-692-4009 | |
| Young Insurance & Financial Inc | 414 North Main St 61561 |
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| Nickle Insurance Agency Inc. | 201 CLOCK TOWER DR 61611 |
(309) 699-3938 | |
| Donnie Counts Insurance Agency Inc. | 805 W Jackson St Ste 106 61550 |
(309) 263-4184 | |
| Joseph Michael Nighbert | 810 N 4TH ST 61523 |
309-274-6202 | |
| Bruce C Clary | 6401 N Sheridan Rd Ste 1 61614-2954 |
309-691-3909 | |
| John K Kim | 218 S EXCHANGE ST 61434 |
309-932-2130 | |
| Victory A Hughart | 105 W Main St 61529 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Arnaldo Garcia | 3703 Ireland Grove Rd Ste 3 61704-5295 |
309-663-4344 | |
| Eric Lynch Lutcf | 130 Eastgate Dr 61571 |
(309) 699-0840 | |
| Joseph Mccullough | 7131 N KNOXVILLE AVE 61614 |
309-674-9800 | |
| Vanessa Anzualda Cisr | 121 N Main St 61571 |
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| Sarah Eaton | 1142 Peoria Street 61571 |
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| Nickole Hall | 1200 E GLEN AVE 61616 |
(309) 679-0311 | |
| Brooks Stevens Clu | 1225 W Pioneer Pkwy 61615-1936 |
309-692-1225 |
| Allstate | Nationwide | Liberty Mutual | |
| Median Home Value ($) | 103,870 | 93,870 | 103,870 |
| Construction year | 1971 | 1982 | 1983 |
| Home Coverage ($) | $100000-$125000 | $75000-$100000 | $75000-$100000 |
| Total Premium ($) | $1208 | $924 | $1090 |
Pekin, IL Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Allstate | upto 22% |
| Erie | upto 22% |
| Nationwide | upto 8% |
| Liberty Mutual | upto 15% |