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60178 Homeowners Insurance Quotes & Rates

Sycamore residents living within the 8,966 homes available in the zip code of 60178 are shopping online to compare cheaper and more affordable Sycamore, IL home insurance rates. In the great city of Sycamore, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of Illinois is around $869 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 60178 zip code.

With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.

Let us help you shop and compare your 60178 home insurance rates today! Please give us a call now at 1-855-976-2656. For Sycamore, IL Homeowners Insurance Quotes, Click to easily get started!

60178 Home Insurance Average Premiums

Local 60178 homeowners insurance quotes comparison

$619 /yr.

Shows Zip Code: 60178 lowest rates with discounts applied on average.

For the 60178, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$619 /yr.
Average Coverage:$869 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1169 /yr.

What is the average home insurance cost for a home in 60178?

  • • The average homeowners insurance premium paid annually for a home in 60178 is around $869 per year.

What does it cost on average per month for home insurance in 60178?

  • • Homeowners in 60178 pay a monthly average cost per month around $72.00.

What kind of discount could I get if I combine my home and auto insurance together in 60178?

  • • Autoowners in 60178 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Sycamore area, check out other zip codes nearby 60178.
Review average rates in another zip code:
60178 homeowners insurance rates

Home Replacement Cost Coverage in 60178

Average Building Cost Per Square Foot in 60178: $154

Location: Sycamore, Illinois (Dekalb County)

Average Square Footage in 60178: 1,449 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 60178 before you start any project. Sycamore homeowners pay on average around $154 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 60178 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 60178 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,449 sq. ft. and the average cost to rebuild the home in this area is around $154 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Sycamore area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1541,449$223,100
Additional Upgrades & Added Features$1931,449$278,875
Major Home Updates or Advancements$2311,449$334,650

It's important to understand that when you estimate your replacement cost of your home in the 60178 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 60178

Best Home & Auto Insurance Agencies in 60178

Beasley- George F - State Farm Insurance Agent

Address: 315 W Elm St Sycamore, IL 60178
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Housing Demographics for 60178

Population Review for 60178 Zip Code

For the city of Sycamore, the population within 60178 has increased to over 23,230 residents in population size. The current population total is 22,386. We have broken down the population based on race below. In 60178, there are over 10891 in male population and 11495 females.

PopulationValues
Total Population22,386
White Population18873
Black Population650
Hispanic Population1936
Asian Population439
Hawaiian Population4
Indian Population105
Other Population730
Male Population10891
Female Population11495
Population Estimate23230

Household Data for 60178

The average number of homes in 60178 is around 8,966, there are an average of 2.48 per household. The average house value according to local real estate values is around $223,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,966
Persons Per Household2.48
Average House Value$223,100
Income Per Household$77489
Median Age39.3
Median Age Male38.4
Median Age Female40.3
60178 DetailsValues
StateIL
State Full NameIllinois
City TypeP
City Alias Abbreviation
Area Code815/779
CitySycamore
City Alias NameSYCAMORE
CountyDekalb
County FIPS037
State FIPS17
Time Zone6
Day Light SavingY
MSA1602
PMSA1600
CSA176
CBSA16980
CBSA_DIV20994
CBSA_TypeMetro
CBSA_NameChicago-Naperville-Elgin, IL-IN
MSA_NameChicago-Gary-Kenosha, IL-IN-WI CMSA
PMSA_NameChicago, IL PMSA
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses563
Number Of Employees8351
Business First Quarter Payroll93253
Business Annual Payroll410465
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population9461105
CBSA Division Population735165
Congressional District11|14|16
Congressional LandArea280.95|1597.6|7917.49
Delivery Residential9367
Delivery Business647
Delivery Total11516
Preferred Last Line KeyW15233
Classification Code
Multi-CountyY
CSA NameChicago-Naperville, IL-IN-WI
CBSA_DIV_NameElgin, IL
City State KeyW15233
Land Area67.171000
Water Area0.580000
City Alias Code
City Mixed CaseSycamore
City Alias Mixed CaseSycamore
Box Count158
SFDU7257
MFDU532
State ANSI17
County ANSI037
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number167614
Unique ZIP Name
SSA State County Code14170
Medicare CBSA Code20994
Medicare CBSA NameElgin, IL
Medicare CBSA TypeMetro
Market Rating Area ID5
County Mixed CaseDekalb

Illinois Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]