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Elizabeth, IL Home Insurance Rates - What Affects It?

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

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

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

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Elizabeth 2 Beds, 1 Bath, 1030 sqft $62,000 $40
Bernard, IA 2 Beds, 1 Bath, 1,320 sqft $110,000 $37
Mount Pleasant 2 Beds, 1 Bath, 1,640 sqft $134,000 $32
Scales Mound 3 Beds, 1 Bath, 1,310 sqft $77,000 $24
Monroe, WI 2 Beds, 1 Bath, 1,080 sqft $90,000 $27
Canoe Creek 2 Beds, 1 Bath, 1,210 sqft $122,000 $22
Low Moor, IA 2 Beds, 1 Bath, 1,780 sqft $112,000 $33
Fennimore, WI 2 Beds, 1 Bath, 1,080 sqft $65,000 $23
Adeline 3 Beds, 2 Baths, 1,660 sqft $99,000 $38
Kent 4 Beds, 3 Baths, 2,740 sqft $157,000 $71
Sherrill, IA 3 Beds, 2 Baths, 1,950 sqft $165,000 $64
Florence 3 Beds, 1 Bath, 2,000 sqft $112,000 $54
Dubuque, IA 2 Beds, 1 Bath, 1,380 sqft $105,000 $36
Durand 3 Beds, 1 Bath, 1,700 sqft $151,000 $61
Spring Grove, WI 4 Beds, 1 Bath, 2,010 sqft $125,000 $46
Whitewater, IA 2 Beds, 1 Bath, 1,310 sqft $94,000 $31
Erie 4 Beds, 2 Baths, 2,990 sqft $196,000 $49
Jamestown, WI 3 Beds, 1 Bath, 1,590 sqft $148,000 $41
Livingston, WI 3 Beds, 1 Bath, 1,610 sqft $119,000 $46
Olin, IA 4 Beds, 2 Baths, 1,890 sqft $133,000 $43
Eagle Point 4 Beds, 3 Baths, 2,160 sqft $199,000 $46

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

Here are some typical claims filed in Elizabeth:

Claim Typical Claim Amount
PHYSICAL DAMAGE $4,000
SMOKE $42,500
OPTIONAL COVERAGE LOSSES $18,000

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

  • Travelers: Access Ins Agency Llc, 11400 us hwy 20, Galena, IL, 61036 815-777-8200
  • State Farm: Lisa Hall, 117 irvine st ste a, Galena, IL, 61036-1365 815-777-2697
  • Liberty Mutual Independent: Bauer Group Ltd, 200 n main st, Stockton, IL, 61085 (815) 947-3316
  • Liberty Mutual Independent: Bauer-Mc Coy Ins Agency Inc, 151 n main st rm 201, Elizabeth, IL, 61028 (815) 858-2211
  • Travelers: Priority Insurance Agency Inc, 614 w water st, Shullsburg, WI, 53586 608-965-3031

Your Background Impacts Your Home Insurance Quotes

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

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Full Time Job 650-699 Credit Score <$25,000 2 Pets, Smoker $410
Unemployed 800-850 Credit Score No Income More than 3 Pets at home, Non-Smoker $150
Freelancer 600-649 Credit Score $75 to $100,000 No Pets, Non-Smoker $40