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The issues listed mainly affect Spaulding, IL Home Insurance Rates & getting on top of them can keep your costs really cheap.

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

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

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Spaulding 2 Beds, 1 Bath, 1680 sqft $165,000 $67
Sangamon Valley 4 Beds, 2 Baths, 2,250 sqft $241,000 $38
Irving 2 Beds, 1 Bath, 1,190 sqft $145,000 $40
Kingston Mines 3 Beds, 2 Baths, 1,740 sqft $147,000 $46
Funks Grove 2 Beds, 1 Bath, 1,680 sqft $178,000 $35
Kincaid 4 Beds, 1 Bath, 2,930 sqft $365,000 $97
Hopedale 3 Beds, 2 Baths, 1,440 sqft $172,000 $74
Armington 2 Beds, 1 Bath, 1,160 sqft $99,000 $50
Auburn 2 Beds, 1 Bath, 1,600 sqft $102,000 $52
Nixon 2 Beds, 1 Bath, 1,150 sqft $109,000 $59
Philadelphia 4 Beds, 1 Bath, 2,240 sqft $314,000 $71
Curran 2 Beds, 1 Bath, 1,480 sqft $229,000 $55
Athens No. 1 2 Beds, 1 Bath, 1,260 sqft $137,000 $39
Westervelt 3 Beds, 2 Baths, 2,120 sqft $249,000 $66
Malone 4 Beds, 3 Baths, 2,960 sqft $279,000 $60
Hartsburg 2 Beds, 1 Bath, 1,210 sqft $154,000 $38
Frederick 2 Beds, 1 Bath, 1,010 sqft $121,000 $48
Athensville 2 Beds, 1 Bath, 990 sqft $141,000 $40
South Fork 3 Beds, 2 Baths, 1,300 sqft $126,000 $31
Cooper 2 Beds, 1 Bath, 1,420 sqft $127,000 $62
Cisco 3 Beds, 2 Baths, 1,950 sqft $226,000 $64

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

Here are some typical claims filed in Spaulding:

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

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

  • Farmers: Anthony Gutierrez, 2070 w monroe st ste a, Springfield, IL, 62704 (217) 679-1808
  • Travelers: Green Family Insurance Inc, 3801 wabash ave, Springfield, IL, 62711 217-953-0030
  • Liberty Mutual Independent: American Central Insurance Agency Inc, 3300 hedley rd, Springfield, IL, 62711 217-698-9000
  • State Farm: Deron Powell, 114 e cooke st, Mount Pulaski, IL, 62548-1261 217-792-3371
  • Allstate: Laure Feld, 2425 w iles ave ste 103, Springfield, IL, 62704 (217) 698-0600

Your Background Impacts Your Home Insurance Quotes

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

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Freelancer 800-850 Credit Score $75 to $100,000 No Pets, Non-Smoker $560
Unemployed 550-599 Credit Score <$25,000 1 Pet, Non-Smoker $250
Full Time Job 650-699 Credit Score $75 to $100,000 More than 3 Pets at home, Smoker $420