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Independence, IL Home Insurance Rates - What Affects It?

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

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

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

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Independence 2 Beds, 1 Bath, 910 sqft $69,000 $28
New Harmony, IN 3 Beds, 1 Bath, 1,230 sqft $124,000 $49
Carrsville, KY 2 Beds, 1 Bath, 1,640 sqft $79,000 $49
Murphysboro 2 Beds, 1 Bath, 1,760 sqft $124,000 $57
Long Branch 3 Beds, 1 Bath, 1,410 sqft $104,000 $46
Crittenden, KY 2 Beds, 1 Bath, 1,170 sqft $110,000 $36
Pittsburg 2 Beds, 1 Bath, 920 sqft $65,000 $27
Grassy 3 Beds, 1 Bath, 1,320 sqft $90,000 $34
Gold Hill 2 Beds, 1 Bath, 1,510 sqft $83,000 $30
Opdyke 3 Beds, 2 Baths, 1,390 sqft $81,000 $37
Burnt Prairie 3 Beds, 2 Baths, 1,720 sqft $130,000 $51
Eddyville, KY 3 Beds, 2 Baths, 2,080 sqft $142,000 $58
Burnside 3 Beds, 2 Baths, 1,850 sqft $103,000 $31
Elvira 3 Beds, 2 Baths, 1,340 sqft $111,000 $46
New Haven 2 Beds, 1 Bath, 1,660 sqft $117,000 $29
Eagle Creek 3 Beds, 1 Bath, 2,320 sqft $268,000 $56
Norris City 2 Beds, 1 Bath, 1,310 sqft $74,000 $40
Hawthorne 3 Beds, 1 Bath, 1,840 sqft $135,000 $31
North City 2 Beds, 1 Bath, 1,690 sqft $126,000 $55
Crossville 3 Beds, 2 Baths, 2,160 sqft $160,000 $72
Cypress 2 Beds, 1 Bath, 1,540 sqft $117,000 $41

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

Here are some typical claims filed in Independence:

Claim Typical Claim Amount
THEFT/BURGLARY $2,000
PHYSICAL DAMAGE $4,000
WATER DAMAGE $27,500

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

  • Farmers: Stephen Steve Shults, 1211 us highway 45 n, Eldorado, IL, 62930 (800) 765-4294
  • Travelers: Sharolyn K Logan, 713 e church st, Harrisburg, IL, 62946 618-252-2984
  • Liberty Mutual Independent: Williams & Assoc Ins Agcy Llc, 401 e poplar st, Harrisburg, IL, 62946 618-253-7165
  • State Farm: Shane Gooden, 120 s commercial st, Harrisburg, IL, 62946-1902 618-252-7000
  • Allstate: Williams & Assoc Ins, 920 state st, Eldorado, IL, 62930 (618) 273-4611

Your Background Impacts Your Home Insurance Quotes

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

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Unemployed Up to 499 Credit Score <$25,000 2 Pets, Non-Smoker $180
Part Time Job 650-699 Credit Score $25 to 50,000 More than 3 Pets at home, Non-Smoker $500
Freelancer 600-649 Credit Score >$150,000 No Pets, Non-Smoker $170