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Cost of Home Insurance in Vermilion County, IL

The average cost of home insurance in Vermilion County, Illinois, is $954.72. As a homeowner in Vermilion County, Illinois, it's important to have homeowners insurance to protect your home and belongings in the event of a covered disaster, such as a fire or severe weather event. Homeowners insurance can also help pay for repairs if an uninsured driver or vandal damages your home. If you have a mortgage on your home, your lender will likely require you to have homeowners insurance. Even if you don't have a mortgage, it's still a good idea to have coverage in place to protect your investment.

Depending on their needs and requirements, Vermilion County residents can consider various types of home insurance coverage. Before doing that, be aware of the kinds of losses your home insurance would cover to safeguard yourself against any potential future financial loss. Refer this article for the factors that are affecting home insurance costs in Vermilion County, Illinois

Below are a few affordable home insurance providers in Vermilion County, IL.

Factors Influencing Home Insurance in Vermilion County, IL:

1. Homeowners insurance rates by coverage levels

2. Homeowners insurance rates by deductibles

3. Homeowners insurance rates by materials used

4. Homeowners insurance rates by the number of claims

Homeowners Insurance in Vermilion County- Rates by Coverage Levels

If you're looking at buying a home in Vermilion County, IL, you'll need to factor in the cost of homeowners insurance. Homeowners insurance rates in Vermilion County are affected by the amount of coverage you need and the amount of risk involved in insuring your home. The more coverage you need, the higher your rates will be. The value of your home determines the amount of risk involved in insuring your home, the amount of coverage you need, and the location of your home. Vermilion County homeowners typically opt for coverage of $200K, paying $1879 towards their home insurance.

Here are a few coverage options offered by the insurance providers in Vermilion County, IL.

Homeowners Insurance in Vermilion County - Rates by Deductibles

The higher your deductible, the lower your premium will be. That's because you're shouldering more of the risk yourself, so the insurance company doesn't have to pay out as much in case of a claim. However, you need to be comfortable paying a large sum out of pocket if you have a high deductible. Otherwise, you're not saving money and just transferring the risk to yourself.

For example, homeowners in Vermilion County who choose a high deductible of $2500 pay $1017, while those who choose a low deductible of $5000 pay $1399 for home insurance.

Homeowners Insurance in Vermilion County - Rates by Materials used

The cost of homeowners insurance in Vermilion County, IL, can be affected by the materials used in the home's construction. For example, a home built with all brick or stone exterior walls will typically cost less to insure than a home with wood frame exterior walls. This is because brick and stone homes are more resistant to fire and weather damage than homes with wood frames.

For instance, homeowners in Vermilion County, Illinois, who build their homes with Masonry and Superior brick materials pay $906.98 and $868.79 in insurance, respectively.

Homeowners Insurance in Vermilion County - Rates by Number of Claims

As the number of claims against a homeowner in Vermilion County, IL, increases, the cost of their insurance policy is likely to increase. This is because each claim against a policyholder raises the risk that the insurance company will have to pay out on the policy, thus raising the overall cost of the policy.

In Vermilion County, Illinois, policyholders with no claims can get coverage for as little as $821.05. Policyholders with one or two claims pay a higher premium, each paying about $1040.64 and $1078.83 for their homeowner's insurance.

Top Home Insurance Companies in Vermilion County, IL

Home Insurance Company A.M. Best Financial Strength Rating Homeowners Insurance Market share
State Farm A 33.07%
GEICO A++ 5.64%
Liberty Mutual A 4.93%
Progressive A+ 4.5%
Travelers A++ 3.06%

Top Travelers Home Insurance Agents in Vermilion County, IL

Homeowners Insurance Agents Agent Address Contact Details
Hicks Insurance Agency 909 MAIN ST
47901
765-742-9097
Trans Bay Insurance Agency 107 N. Market
www.transbay.com 47872

Email:david@transbay.com
Budget Insurance Associates Inc 3990 State Road 38 E Ste 7
47905-9516
765-448-4999
Email:ana@budget-insurance.com
The Phoenix Group Of Wi Inc 220 S Main St Farmer\u00a0City
61842
Kane Insurance Llc 702 BLOOMINGTON RD STE 205
61820
217-355-9075
Kanopy Insurance Center Llc 1311 S NEIL ST
www.kanopyinsurance.com 61820
217-373-6856
Shannon Insurance Agency Inc 1845 S Us Highway 231
47933
Primestar Insurance Agency 114 S Earl Ave
47904
(765) 447-6633
Kansas Preferred Ins Group Llc 217 1/2 W WILLIAMS
www.kpigroup.net 61832
217-709-0678
Email:keith@kpigroup.net
Bradley & Parker Of Fl Inc 101 S Lincoln St
61853-6010
217-586-4352

Top Liberty Mutual Home Insurance Agents in Vermilion County, IL

Homeowners Insurance Agents Agent Address Contact Details
Andrew Campbell 143 N Market St
60957-1221
217-379-3221
David R Mcgrath 2409 S 18th St
47909
(765) 477-0303
S. Therese Stanford 915 E Main Street
61832

Top State Farm Home Insurance Agents in Vermilion County, IL

Homeowners Insurance Agents Agent Address Contact Details
Richard Neese 504 S Grant Ave
47944
Christine Taylor 900 S Mattis Ave
www.christinetaylor.com 61821-4352
217-356-2722
Frank Markowitz 437 Vine Street PO Box 363
www.frankmarkowitz.com 47842
(765) 832-7766
Tom Peters 1016 Orange Street
www.tompetersinsurance.com 60942
Tom Conklin 46 W Peoria
www.conklinsf.com 60959
John L. Clark 616 E Champaign Ave
61866
Dan Rickabus 2655 Yeager Rd
47906-1337
765-463-3554
Dale Priester 249 E State Street
47906-3222
765-743-9595
Jim Wiggins 302 Council Street
47918
David Chavez 601 North Earl Avenue
www.chavezagency.com 47904-2712
800-303-6294

Top Progressive Home Insurance Agents in Vermilion County, IL

Homeowners Insurance Agents Agent Address Contact Details
Kristie Pearson 406 E Springfield Road
61910

Top GEICO Home Insurance Agents in Vermilion County, IL

Homeowners Insurance Agents Agent Address Contact Details
Tara Egglinger 427 E Main Attica
47918

Email:taegglinger@geico.com

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

ProgressiveTravelersLiberty Mutual
Median Home Value ($) 78,31078,31078,310
Construction year 196819411960
Home Coverage ($) $300000-$350000$200000-$250000$250000-$300000
Total Premium ($) $1040$1325$1016

Vermilion County, IL Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Travelers upto 10%
Liberty Mutual upto 15%
GEICO upto 19%