Top 5 Home Insurance Companies in Stephenson County, IL
Check out the most popular Home Insurance agencies & companies in Stephenson County, IL & compare the best quotes from them.
What is the Cost of Homeowners Insurance in Stephenson County, IL
Stephenson County in Illinois is known for its abysmal climate and weather conditions where the temperature is as low as 9 °F (−13 °C) in January to a high of 82 °F (28 °C) in July. The summers can bring unexpected hail storms, thunderstorms, and winter can bring frozen pipes, ice dams, and truckloads of snow. Residents in Stephenson County deal with numerous challenges throughout the year. Therefore, homeowners insurance in such areas plays a crucial role in protecting you and your home from a huge financial burden. The average cost of homeowners insurance in Stephenson County, IL, is $622.74.
Based on that, the cost of the insurance is decided after analyzing certain factors, including the home value, coverage type, deductible, age of the home, and the material used to build your home.
Check the essential factors which can influence the cost of insurance in Stephenson County, IL.
Cost of Insurance based on Deductibles
The deductible is the amount of money a homeowner pays out of pocket before their insurance policy pays any claims. By choosing a higher deductible, homeowners can lower their monthly premiums.
Homeowners in Stephenson County, paying a deductible of 500, have to pay a premium of $616. Policyholders paying a deductible of 1500 and 2000 have to pay $524 and $476, respectively. Homeowners can avail of a discount of $65.74 and $98.74 on deductibles of 1000 and 1500, respectively.
Cost of Insurance based on the Age of the Home
Age of the home, i.e., how old the house is, plays a significant role in determining the cost of home insurance. This is because the systems and materials that make up your home age with time and are more vulnerable to property damage.
For instance, houses that are 40 or 50 years old pay a premium of $639 and $647, respectively, in Stephenson County, IL. On the other hand, newly built homes are less prone to damage, and home insurance companies offer considerable discounts to newly constructed homes. Newly built homes in Stephenson County can avail of lower insurance of $449.
Cost of Insurance based on the Materials Used
Materials used to construct the house plays a significant role in determining the insurance premium amount. Homes built using sturdy materials have a minor threat to damage. Hence, home insurance companies offer considerable discounts to homes built using damage-resistant materials.
For instance, homes built with fire resistive brick are offered at a premium of $555 in Stephenson County, whereas homes built with Masonry and Brick are offered at a premium of $592. Thus, if you use low quality materials to construct your house, the premium charged will be higher.
Top Home Insurance Companies in Stephenson County, 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% |
| Travelers | A++ | 3.06% |
Top Liberty Mutual Home Insurance Agents in Stephenson County, IL
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Jennifer K. Druzynski | 6050 BRYNWOOD DR STE 203 61114 |
815-986-0980 | |
| John Surano | 4851 LARSON BEACH RD 53558 |
608-838-8444 | |
| Craig T Hiyakumoto | 102 S Benton St 61088 |
815-335-7000 | |
| Lisa A Kiseloff | 1504 N RANDALL AVE 53545 |
608-752-6030 | |
| Carrie Barrett | 500 Gale St 61061-2225 |
815-732-6690 | |
| Sarah Curley | 23 Elizabeth Circle 61032 |
||
| Richard E Foster | 7307 N Alpine Rd Ste A1 61111 |
(815) 543-5449 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Classic Auto Group Insurance | 2715 N Main St Ste B 61103-3111 |
815-964-2440 | |
| Alan Cheek | 3065 N Perryville Rd Unit 145 61114-8036 |
815-282-9328 | |
| Blanca Caban | 4759 Bluestem Rd 61073-6100 |
815-623-5433 | |
| Brittney Mitchell | 1820 Riverside Dr 53511-3554 |
608-362-3646 | |
| Christina Desimone | 163 Cadillac Ct Ste 1 61008-1737 |
815-544-2103 | |
| David Williams | 10602 Franklin St Ste 2 61073 |
(815) 623-7131 | |
| Timothy Fay | 301 S Riverview Ste 2 52031 |
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| Michelle Bennett | 3113 W Beltline Hwy 53713 |
(608) 273-0655 | |
| Jennifer Jewell | 4615 E STATE ST STE 20 61108 |
815-227-1717 | |
| Bob Barton | 2833 Milton Ave Ste 5 53545-0212 |
608-755-1330 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Clyde Mason Jr | 603 Lincoln Hwy 61068-1646 |
815-562-7063 | |
| Burke & Burke Ins | 2984 Triverton Pike Dr Ste 110 53711-5841 |
608-274-7120 | |
| Mullings & Associates Insurance Llc | 101 ALPINE PKWY STE 101 53575 |
(608) 835-7300 | |
| Frank Dippel Agency Inc. | 311 W Main St 53572 |
(608) 437-7226 | |
| Wayne P Johnson | 6701 Seybold Road Suite 229 53719 |
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| Brian Renn Agency | 117 Irvine St Ste A 61036-1365 |
815-777-2697 | |
| Panichelle Financial Group Llc | 1057 N EDGE TRL STE 1A 53593 |
(608) 845-7979 | |
| Gregory W Germain | 2557 Milton Ave 53545 |
(608) 754-8600 | |
| Damon Scott Crossland Agency | 826 S. 4th Street 52732 |
563-243-1060 | |
| Gregory J Collins | 911 Alexandra Dr 61008 |
(815) 547-6008 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Richard E Jenkins Agency Inc | 10768 Main St 61073 |
(815) 977-7556 Email:rejinc1@gmail.com |
|
| Aa Armstrong Ins Llc | 48 Jefferson St www.aaarmstronginsurance.com 61074-1624 |
815-273-3523 | |
| Richard Duane Hanson | 7479 Walton St Ste 2 61108 |
(815) 399-1415 Email:RICK@RDHANSONAGENCY.COM |
|
| Jennifer L Newman Llc | 501 6TH AVE STE www.sharplessinsurance.com 61068 |
815-562-4043 | |
| John Wickhem Agency | 1009 N GALENA AVE www.wickheminsurance.com 61021 |
815-626-0086 Email:john.wickhem@wickheminsurance.com |
|
| Frank S Johnson & Co Inc | 911 Fountain St 53565 |
(608) 987-2604 Email:frank42s@aol.com |
|
| Clarke & Sampson Inc-Us Senate Fcu-At | 523 N Brewster Ave 61032-3108 |
815-232-5210 | |
| Kentlands Insurance Service | 316 S GJERTSON ST 53589 |
608-205-9125 Email:kentlands_insurance@comcast.net |
|
| Cornerstone Insurance | 3600 E State St 61108-1978 |
815-398-2552 | |
| Snyder & Snyder Agency Inc | 127 Main St www.snyder-ins-agency.com 61074 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Garrick Straub Lutcf | PO Box 229 www.gstraub.com 53565 |
(608) 987-2832 | |
| Pat Pagett | 105 N ELM ST 61031 |
(815) 456-2319 | |
| Sang Lee | 5940 Seminole Centre Court Suite 225a 53711 |
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| Butch Wallace | 111 E Verona Ave www.butchwallace.com 53593-1218 |
608-845-6702 | |
| Scott Whitworth | 1607 Holiday Drive 53545 |
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| Tom Jackson | 25 W Main www.tomjackson.biz 53536 |
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| Kathleen Vicenzotti | 6019 Fincham Dr 61108 |
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| John White | 203-B W MARKET ST www.johncwhite.com 61053 |
815-244-3259 | |
| Tod Weder | 6709 Raymond Road Dane 53719 |
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| Ryan Hume | 207 S State Street www.myparkeragent.com 61008 |
| Liberty Mutual | Travelers | State Farm | |
| Median Home Value ($) | 97,930 | 87,930 | 87,930 |
| Construction year | 1973 | 2002 | 1984 |
| Home Coverage ($) | $200000-$250000 | $150000-$175000 | $175000-$200000 |
| Total Premium ($) | $1201 | $1189 | $1192 |
Stephenson County, IL Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Liberty Mutual | upto 16% |
| Allstate | upto 18% |
| Nationwide | upto 7% |
| Travelers | upto 8% |