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

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

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

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Sterling 4 Beds, 3 Baths, 1900 sqft $133,000 $46
Lee Center 3 Beds, 1 Bath, 1,930 sqft $79,000 $52
East Grove 3 Beds, 2 Baths, 1,310 sqft $128,000 $42
Thomson 2 Beds, 1 Bath, 970 sqft $54,000 $26
Selby 2 Beds, 1 Bath, 1,230 sqft $62,000 $20
Atkinson 2 Beds, 1 Bath, 1,160 sqft $68,000 $32
Dement 4 Beds, 1 Bath, 3,170 sqft $312,000 $56
Como 3 Beds, 2 Baths, 2,350 sqft $158,000 $57
Winslow 4 Beds, 2 Baths, 3,310 sqft $283,000 $74
Pine Creek 3 Beds, 2 Baths, 1,840 sqft $74,000 $29
Morrison 3 Beds, 1 Bath, 2,290 sqft $198,000 $59
Franklin Grove 2 Beds, 1 Bath, 1,040 sqft $101,000 $34
Toulon 2 Beds, 1 Bath, 1,340 sqft $71,000 $32
Montmorency 3 Beds, 2 Baths, 2,180 sqft $196,000 $33
Clinton, IA 4 Beds, 1 Bath, 1,910 sqft $163,000 $42
Franklin 2 Beds, 1 Bath, 1,320 sqft $123,000 $27
Paw Paw 2 Beds, 1 Bath, 1,530 sqft $87,000 $37
Silver Creek 2 Beds, 1 Bath, 1,360 sqft $116,000 $38
Rush 3 Beds, 2 Baths, 2,090 sqft $116,000 $38
Earl 3 Beds, 2 Baths, 2,010 sqft $91,000 $34
Elkhorn Grove 3 Beds, 2 Baths, 2,050 sqft $105,000 $65

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

Here are some typical claims filed in Sterling:

Claim Typical Claim Amount
WATER DAMAGE $23,000
SMOKE $31,500
PHYSICAL DAMAGE $4,500

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

  • Travelers: Wickert Insurance & Financial Services, 206 dixon ave ste 1, Rock Falls, IL, 61071 Phone: 815-626-0086
  • State Farm: Gary Presley, 221 crawford avenue, Dixon, IL, 61021-3135 815-288-1020
  • Allstate: Mario Melendez, 1205 10th ave, Rock Falls, IL, 61071 (815) 625-1535
  • Erie: More Insurance Agency, 309 n genesee st, Morrison, IL, 61270 (815) 772-4041
  • State Farm: Ruth Gundlach, 619 e lincolnway, Morrison, IL, 61270-2948 815-772-2101

Your Background Impacts Your Home Insurance Quotes

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

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Freelancer 700-749 Credit Score >$150,000 1 Pet, Non-Smoker $450
Retired 750-799 Credit Score No Income More than 3 Pets at home, Non-Smoker $450
Full Time Job Up to 499 Credit Score $75 to $100,000 3 Pets, Smoker $200