Check out the most popular Home Insurance agencies & companies in Edwardsville, IL & compare the best quotes from them.

Get Quotes From The Best & Compare

Factors Influencing Home Insurance in Edwardsville, IL

The average cost of homeowners insurance in Edwardsville, IL, is $858.45. Home insurance is essential in Edwardsville, IL because it helps protect your home and belongings in the event of a covered loss. Home insurance can help pay for repairs or replacement of your home and belongings and can also help with temporary living expenses if your home is damaged and you need to live elsewhere while it is being repaired.

Many factors play into how much homeowners insurance costs in Edwardsville, IL. Some of these include the size and age of your home, the crime rate in your neighborhood, the value of your home, and whether or not you have a mortgage. The best way to find out how much homeowners insurance will cost you is to get quotes from several companies. Four factors help you to reduce the home insurance cost in Edwardsville, IL, mentioned here in this article.

Below are a few affordable home insurance providers in Edwardsville, IL.

Factors Influencing Home Insurance in Edwardsville, IL:

1. Homeowners insurance rates by coverage levels

2. Homeowners insurance rates by deductibles

3. Homeowners insurance rates by number of claims

4. Homeowners insurance rates by the materials used

Homeowners Insurance in Edwardsville, IL - Rates by Coverage Levels

One of the most significant factors is the coverage level that you choose. The higher the coverage level, the higher the cost of the policy. However, it is important to make sure that you have enough coverage to protect your home and belongings. If you choose a lower coverage level, you may be putting yourself at risk if you have a major loss. Below is the cost of home insurance in Edwardsville, based on the coverage limit opted by the homeowners in Edwardsville, IL.

Homeowners Insurance in Edwardsville, IL - Rates by Deductibles

When it comes to homeowners insurance, your deductible is one of the most important factors that affect your premium costs. A deductible is the amount of money you must pay out-of-pocket before your insurance company starts covering your claims. Generally, the higher your deductible, the lower your premium costs will be. This is because you are taking on more risk yourself, so the insurance company doesn't have to pay out as much if you have to make a claim. Of course, you need to make sure you can afford to pay your deductible if you need to make a claim. For example, homeowners in Edwardsville, Illinois, who choose a $500 deductible for their house insurance pay $848, compared to $655 for those who choose a high deductible of $2000. If you're trying to save money on your homeowner's insurance in Edwardsville, IL, increasing your deductible is one of the best ways. Make sure you are comfortable with the amount you choose in case you need to file a claim.

Homeowners Insurance in Edwardsville, IL - Rates by Number of Claims

As the number of claims on a homeowners insurance policy in Edwardsville, IL, increases, the costs of the policy will also increase. Insurance companies view claims as a sign of risk; the more claims a policyholder has, the greater the risk the company perceives. As a result, insurance companies will charge higher premiums to policyholders with a history of claims to offset the increased risk. In Edwardsville, Illinois, policyholders who have never filed a claim can get coverage for as little as $746. Policyholders with one or two claims pay a higher premium. In Edwardsville, Illinois, homeowners pay about $918 and $970 for their insurance, respectively.

Homeowners Insurance in Edwardsville, IL- Rates by Materials Used

A home is more than a place to stay. It is an investment. It is constructed specifically to meet the requirements of the people living in the house. For your dream home to be insured at reasonable rates and to keep serving its function for years to come, you must follow a few rules when building it. Some materials are more fire-resistant than others, and some are more resistant to wind damage. The type of materials used in your home can impact your homeowner's insurance rates. For example, homeowners in Edwardsville, Illinois, who build their homes with Masonry and Superior brick materials pay $815 and $781 in insurance premiums, respectively.

Top Home Insurance Companies in Edwardsville, IL

Home Insurance Company A.M. Best Financial Strength Rating Homeowners Insurance Market share
Allstate A+ 12.05%
Nationwide A+ 9.8%
GEICO A++ 5.64%
Erie A+ 3.6%
Travelers A++ 3.06%

Top Allstate Home Insurance Agents in Edwardsville, IL

Homeowners Insurance Agents Agent Address Contact Details
Richman Insurance 303 N Monroe St
(217) 324-2700
Jerry Zamora 1500 C TROY ROAD
Leonel Taveras 1 N JEFFERSON BLDG C 3RD FL
William Johnson 2653 Netherton Dr Saint\u00a0Louis
Jennifer Conley 450 MERAMEC BLVD
Jason F. Kurrack 702 WEST PEARCE
Arthur Ins & Realty 8913 Gravois Rd
Huffman Ins. Agency 1242 MAIN STREET
Hugh Belcher Ins 4167 CRESCENT DR STE 101
Jacob Miesen 117 FIRST CAPITOL DR

Top Travelers Home Insurance Agents in Edwardsville, IL

Homeowners Insurance Agents Agent Address Contact Details
Parks & Associates Insurance Agency 1015 CORPORATE SQ DR STE 300
(314) 787-7436
Carter Insurance Agency 2600 Locust St 63103-1412
Richardson-Harris-Boatwright Ins Agcy Inc 6006 W Main St
(618) 234-8133
The Resource Center 146 Clarkson Executive Park Ellisville 63011
Leopold Insurance Agency 3800 HAMPTON AVE 63109
Bramhall & Hitchen Inc 976 S Highway Dr 63026-2023
Oyer Macoviak And Associates 910 KEHRS MILL RD STE 110 63011
(636) 227-3900
Iii-Mclean Ins Agency Inc 9201 WATSON RD STE 101
Iii-Mike Bell Insurance Agency Inc 117 N KIRKWOOD RD STE 201
Hugh Belcher Insurance Agency Inc 1195 SMIZER MILL RD

Top GEICO Home Insurance Agents in Edwardsville, IL

Homeowners Insurance Agents Agent Address Contact Details
Don Brown 6909 W Main St
(618) 398-8434
Sylvia Hopkins 117 S Washington St
(618) 639-2244

Top Nationwide Home Insurance Agents in Edwardsville, IL

Homeowners Insurance Agents Agent Address Contact Details
Philip R Simmerer 300 Fort Zumwalt Sq Ste 100
(636) 294-7258
Lucious Wilder 1065 FIRST CAPITOL DR
Leorlin Boyd 3284 IVANHOE AVE
Wendell Jones Agency Inc. (The) 256 N Broad St
Steven L Shelton 800 South Lincoln Avenue
Jon Peters Insurance Agency Inc 100 CHESTERFIELD BUSINESS PKWY STE 200
Douglas E. Smith Agency Inc. 8515 Delmar Blvd Ste 201
(855) 664-6747
Craig M Erwin 4741 Maryville Road
Philip T. Brewer 7324 Village Center Dr
(636) 614-4144
Huffman Insurance Agencies Inc 3510 JEFFCO BLVD SUITE 200

Top Erie Home Insurance Agents in Edwardsville, IL

Homeowners Insurance Agents Agent Address Contact Details
R & S Insurance Inc. 2705 Dougherty Ferry Rd Ste 202 63122
(314) 966-9960
King & Associates Insurance Llc 119 E MILL
Sills Insurance 403 S Prairie St
Benedetti & Associates Inc. 741 Dunn Rd
David F Kacprowicz 300 North 4th Street
Huffman Insurance Agency Inc. 6211 TREERIDGE TRAIL
Huffman Insurance Agency Inc. 5520 TELEGRAPH RD STE 103 63129
Maddrey Insurance Agency Inc. 1600 HERITAGE LANDING STE 112D
Minor Insurance Agency 7711 BONHOMME AVE STE 900 63105
(314) 854-5200
Robert Myers Insurance Agency Llc 755 S New Ballas Rd Ste 280
(314) 570-5377

Homeowners Insurance Comparison for the Cheapest Premiums in Edwardsville, IL

Median Home Value ($) 189,640179,640199,640
Construction year 201319441946
Home Coverage ($) $150000-$175000$150000-$175000$175000-$200000
Total Premium ($) $1284$780$900

Edwardsville, IL Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Allstate upto 19%
Travelers upto 9%
GEICO upto 23%
Nationwide upto 5%
Erie upto 20%