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

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

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

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Athens 3 Beds, 2 Baths, 1800 sqft $120,000 $48
Mount Hope 4 Beds, 2 Baths, 2,660 sqft $190,000 $64
Sandridge 3 Beds, 1 Bath, 1,470 sqft $134,000 $39
Woodside 3 Beds, 1 Bath, 1,640 sqft $133,000 $34
Virden 4 Beds, 3 Baths, 1,860 sqft $85,000 $45
Lanesville 2 Beds, 1 Bath, 1,010 sqft $46,000 $20
Jacksonville No. 4 3 Beds, 1 Bath, 1,230 sqft $65,000 $47
Lynchburg 2 Beds, 1 Bath, 1,130 sqft $74,000 $19
Johnson 2 Beds, 1 Bath, 1,370 sqft $112,000 $29
Waverly 3 Beds, 2 Baths, 1,440 sqft $114,000 $30
New Berlin 4 Beds, 2 Baths, 2,470 sqft $235,000 $55
Mapleton 4 Beds, 1 Bath, 1,880 sqft $121,000 $43
Maroa 4 Beds, 2 Baths, 2,130 sqft $127,000 $42
Rushville 3 Beds, 1 Bath, 1,520 sqft $131,000 $37
Woodland 2 Beds, 1 Bath, 1,310 sqft $104,000 $32
Hickory Point 3 Beds, 2 Baths, 1,450 sqft $93,000 $52
Boody 4 Beds, 2 Baths, 2,520 sqft $170,000 $58
Texas 2 Beds, 1 Bath, 1,740 sqft $73,000 $30
Beason 4 Beds, 1 Bath, 2,620 sqft $144,000 $42
Petersburg No. 14 2 Beds, 1 Bath, 1,650 sqft $120,000 $34
Ricks 3 Beds, 2 Baths, 2,000 sqft $94,000 $36

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

Here are some typical claims filed in Athens:

Claim Typical Claim Amount
PHYSICAL DAMAGE $4,000
SMOKE $42,500
WIND $8,500

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

  • Farmers: Harry Mcward Lutcf, 1037 s 4th st, Springfield, IL, 62703 (217) 528-4400
  • Travelers: T J Nicoud & Co, 4481 ash grove ste b, Springfield, IL, 62711 217-546-6900
  • Liberty Mutual Independent: R W Troxell & Company, 214 s. grand avenue west, Springfield, IL, 62704 (217) 717-8891
  • State Farm: Ron Mays, 531 s grand ave east, Springfield, IL, 62703-2510 217-789-2622
  • Allstate: Tim Maher, 1216 s macarthur blvd, Springfield, IL, 62704 (217) 789-1600

Your Background Impacts Your Home Insurance Quotes

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

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Unemployed 800-850 Credit Score <$25,000 More than 3 Pets at home, Smoker $130
Part Time Job 550-599 Credit Score <$25,000 3 Pets, Non-Smoker $40
Freelancer 700-749 Credit Score <$25,000 No Pets, Non-Smoker $340