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Plum Hill, IL Home Insurance Rates - What Drives It?

The variables explained here drive your Plum Hill, IL Home Insurance Rates & focusing on them can qualify you for a really cheap quote.

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

Here is a list of replacement costs & home insurance for Plum Hill, IL & nearby areas

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Plum Hill 2 Beds, 1 Bath, 1130 sqft $89,000 $40
Windsor, MO 4 Beds, 2 Baths, 3,250 sqft $253,000 $78
Fairview Heights 2 Beds, 1 Bath, 1,750 sqft $166,000 $65
Sunset Hills, MO 4 Beds, 1 Bath, 2,720 sqft $171,000 $53
Levan 3 Beds, 1 Bath, 2,120 sqft $277,000 $65
Bel-Nor, MO 2 Beds, 1 Bath, 1,500 sqft $139,000 $40
Brewerville 4 Beds, 2 Baths, 2,460 sqft $142,000 $89
Walshville 3 Beds, 1 Bath, 1,310 sqft $110,000 $32
Prairie Du Long 2 Beds, 1 Bath, 1,030 sqft $114,000 $34
Hamel 2 Beds, 1 Bath, 1,250 sqft $104,000 $36
Granite City 2 Beds, 1 Bath, 1,290 sqft $126,000 $36
Tamaroa 2 Beds, 1 Bath, 1,640 sqft $135,000 $45
Williamson 3 Beds, 1 Bath, 2,240 sqft $249,000 $72
Engelmann 2 Beds, 1 Bath, 1,560 sqft $125,000 $45
Covington 2 Beds, 1 Bath, 1,450 sqft $123,000 $38
Odin 4 Beds, 1 Bath, 1,890 sqft $187,000 $58
Pomona 2 Beds, 1 Bath, 990 sqft $84,000 $29
Raccoon 2 Beds, 1 Bath, 1,380 sqft $83,000 $53
Carbondale 4 Beds, 3 Baths, 2,910 sqft $203,000 $55
Bald Hill 2 Beds, 1 Bath, 1,590 sqft $136,000 $34
St. Clair 2 Beds, 1 Bath, 1,230 sqft $84,000 $51

If your Plum Hill, IL home has prior claims, your insurance is likelier to be higher

Here are some typical claims filed in Plum Hill:

Claim Typical Claim Amount
THEFT/BURGLARY $2,000
OPTIONAL COVERAGE LOSSES $18,000
SMOKE $42,500

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

  • Farmers: Adam Becker, 523 n 2nd st, Breese, IL, 62230 (618) 526-7777
  • Travelers: Insurance Planning & Management Consultants, 508 n front st, Okawville, IL, 62271
  • State Farm: Ray Macke, 213 n main st, Marissa, IL, 62257-1343 618-295-2088
  • Allstate: Horstman Insurance, 203 w hanover st, New Baden, IL, 62265 (618) 588-7100
  • Erie: Partners Hometown Insurance Agency Llc, 1420 sparta centre drive, Sparta, IL, 62286

Your Background Impacts Your Home Insurance Quotes

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

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Retired Up to 499 Credit Score $25 to 50,000 3 Pets, Smoker $1,120
Freelancer 750-799 Credit Score $75 to $100,000 More than 3 Pets at home, Smoker $40
Part Time Job 700-749 Credit Score $25 to 50,000 1 Pet, Smoker $840