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Read about what causes changes in your Madison County, Illinois Home Insurance Rates & get great deals with that insight when you compare quotes.

Replacement Value of your home in Madison County, IL is the biggest driver of your coverage & home insurance.

Here is a list of replacement costs & home insurance for Madison County, IL & nearby areas

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Madison County 2 Beds, 1 Bath, 1080 sqft $88,000 $27
Smithboro 4 Beds, 3 Baths, 2,170 sqft $186,000 $92
Clement 2 Beds, 1 Bath, 1,570 sqft $125,000 $53
Mackenzie, MO 3 Beds, 2 Baths, 1,460 sqft $118,000 $35
Rosedale 2 Beds, 1 Bath, 1,680 sqft $127,000 $77
Olivette, MO 2 Beds, 1 Bath, 1,050 sqft $68,000 $30
Northwoods, MO 3 Beds, 2 Baths, 1,210 sqft $78,000 $33
Highland 4 Beds, 2 Baths, 2,530 sqft $220,000 $56
Paderborn 3 Beds, 1 Bath, 1,780 sqft $132,000 $68
Fieldon 4 Beds, 2 Baths, 2,450 sqft $151,000 $51
Kimmswick, MO 3 Beds, 1 Bath, 1,960 sqft $218,000 $65
New Baden 3 Beds, 1 Bath, 2,080 sqft $160,000 $39
Olive 2 Beds, 1 Bath, 1,330 sqft $108,000 $42
Holiday Shores 4 Beds, 3 Baths, 2,750 sqft $173,000 $49
Moline Acres, MO 2 Beds, 1 Bath, 960 sqft $64,000 $23
St. Louis, MO 2 Beds, 1 Bath, 1,040 sqft $58,000 $36
Otterville 3 Beds, 1 Bath, 1,390 sqft $93,000 $43
Riverview, MO 4 Beds, 3 Baths, 2,190 sqft $236,000 $70
Floraville 4 Beds, 2 Baths, 3,010 sqft $212,000 $58
Cottleville, MO 3 Beds, 2 Baths, 2,010 sqft $161,000 $56
Granite City 4 Beds, 1 Bath, 2,010 sqft $209,000 $70

If your Madison County, IL home has prior claims, your insurance is likelier to be higher

Here are some typical claims filed in Madison County:

Claim Typical Claim Amount
WATER DAMAGE $23,000
SMOKE $31,500
WIND $9,500

Your Madison County, IL insurance agent (see examples below) can help with your claims.

  • Farmers: Jennifer Elking, 10067 bellefontaine rd ste 16, Saint Louis, MO, 63137 (314) 867-9184
  • Travelers: W S Meyer & Assoc Inc, 145 w state st, Hamel, IL, 62046 618-633-2225
  • Liberty Mutual Independent: Risk Strategies Llc, 807 w us hwy 50 ste 6 o&#39, Fallon, IL, 62269 Phone: 888-684-7475
  • State Farm: Lisa Sauer, 2670 plaza dr ste a, Highland, IL, 62249-1123 618-654-7402
  • Allstate: Joseph O Donovan, 525 lincoln hwy ste 24, Fairview Heights, IL, 62208 (618) 622-6100

Your Background Impacts Your Home Insurance Quotes

Here is a list of Madison County, IL homeowners with differing backgrounds & their changing home insurance.

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Retired 800-850 Credit Score No Income More than 3 Pets at home, Non-Smoker $60
Unemployed 500-549 Credit Score <$25,000 1 Pet, Smoker $110
Full Time Job 600-649 Credit Score $50 to $75,000 No Pets, Non-Smoker $730