Top 5 Home Insurance Companies in Edwardsville, IL
Check out the most popular Home Insurance agencies & companies in Edwardsville, IL & compare the best quotes from them.
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 62056 |
(217) 324-2700 | |
| Jerry Zamora | 1500 C TROY ROAD 62025 |
618-692-7201 | |
| Leonel Taveras | 1 N JEFFERSON BLDG C 3RD FL 63103 |
314-875-2750 | |
| William Johnson | 2653 Netherton Dr Saint\u00a0Louis 63136 |
||
| Jennifer Conley | 450 MERAMEC BLVD 63025 |
636-938-1206 | |
| Jason F. Kurrack | 702 WEST PEARCE 63385 |
636-332-1083 | |
| Arthur Ins & Realty | 8913 Gravois Rd 63123-4623 |
314-481-1300 | |
| Huffman Ins. Agency | 1242 MAIN STREET 63052 |
636-464-9804 | |
| Hugh Belcher Ins | 4167 CRESCENT DR STE 101 63129 |
314-892-3700 | |
| Jacob Miesen | 117 FIRST CAPITOL DR 63301 |
636-916-5005 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Parks & Associates Insurance Agency | 1015 CORPORATE SQ DR STE 300 63132 |
(314) 787-7436 | |
| Carter Insurance Agency | 2600 Locust St www.ecarterinsurance.com 63103-1412 |
314-206-4734 Email:eric@ecarterinsurance.com |
|
| Richardson-Harris-Boatwright Ins Agcy Inc | 6006 W Main St 62223 |
(618) 234-8133 | |
| The Resource Center | 146 Clarkson Executive Park Ellisville www.resourcecenterinc.com 63011 |
Email:mgardner@resourcecenterinc.com |
|
| Leopold Insurance Agency | 3800 HAMPTON AVE www.leopoldinsurance.com 63109 |
314-802-7201 Email:wjanak@leopoldinsurance.com |
|
| Bramhall & Hitchen Inc | 976 S Highway Dr www.bh-insurance.com 63026-2023 |
636-305-9999 | |
| Oyer Macoviak And Associates | 910 KEHRS MILL RD STE 110 www.oyerinsurance.com 63011 |
(636) 227-3900 Email:info@oyerinsurance.com |
|
| Iii-Mclean Ins Agency Inc | 9201 WATSON RD STE 101 63126 |
314-222-7043 | |
| Iii-Mike Bell Insurance Agency Inc | 117 N KIRKWOOD RD STE 201 63122 |
314-965-0501 | |
| Hugh Belcher Insurance Agency Inc | 1195 SMIZER MILL RD 63026 |
888-292-7277 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Don Brown | 6909 W Main St 62223 |
(618) 398-8434 Email:dobrown@geico.com |
|
| Sylvia Hopkins | 117 S Washington St 62052 |
(618) 639-2244 Email:syhopkins@geico.com |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Philip R Simmerer | 300 Fort Zumwalt Sq Ste 100 63366 |
(636) 294-7258 | |
| Lucious Wilder | 1065 FIRST CAPITOL DR 63301 |
636-947-4040 | |
| Leorlin Boyd | 3284 IVANHOE AVE 63139 |
314-644-1500 | |
| Wendell Jones Agency Inc. (The) | 256 N Broad St 62626 |
||
| Steven L Shelton | 800 South Lincoln Avenue 62269 |
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| Jon Peters Insurance Agency Inc | 100 CHESTERFIELD BUSINESS PKWY STE 200 63005 |
636-537-2900 | |
| Douglas E. Smith Agency Inc. | 8515 Delmar Blvd Ste 201 63124 |
(855) 664-6747 | |
| Craig M Erwin | 4741 Maryville Road 62040-2558 |
618-931-2020 | |
| Philip T. Brewer | 7324 Village Center Dr 63368 |
(636) 614-4144 | |
| Huffman Insurance Agencies Inc | 3510 JEFFCO BLVD SUITE 200 63010 |
636-464-1331 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| R & S Insurance Inc. | 2705 Dougherty Ferry Rd Ste 202 www.rs-ins.com 63122 |
(314) 966-9960 | |
| King & Associates Insurance Llc | 119 E MILL 62298 |
618-939-6368 | |
| Sills Insurance | 403 S Prairie St 62010 |
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| Benedetti & Associates Inc. | 741 Dunn Rd 63042-1740 |
314-731-1002 | |
| David F Kacprowicz | 300 North 4th Street 62230-0217 |
618-526-2261 | |
| Huffman Insurance Agency Inc. | 6211 TREERIDGE TRAIL 63129 |
314-223-9685 | |
| Huffman Insurance Agency Inc. | 5520 TELEGRAPH RD STE 103 www.stiltnerinsuranceagency.com 63129 |
314-815-3400 | |
| Maddrey Insurance Agency Inc. | 1600 HERITAGE LANDING STE 112D 63303 |
636-928-0707 | |
| Minor Insurance Agency | 7711 BONHOMME AVE STE 900 www.minorinsurance.com 63105 |
(314) 854-5200 | |
| Robert Myers Insurance Agency Llc | 755 S New Ballas Rd Ste 280 63141 |
(314) 570-5377 |
| GEICO | Travelers | Erie | |
| Median Home Value ($) | 189,640 | 179,640 | 199,640 |
| Construction year | 2013 | 1944 | 1946 |
| 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% |