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61250 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 61250? There are over 1,067 occupied homes in the 61250 area. With a population size of 2,587, it's not uncommon for residence of Erie, IL to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Illinois is around $867 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 61250 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Erie, IL Home Insurance Rate Quotes

61250 Home Insurance Average Premiums

Local 61250 homeowners insurance quotes comparison

$617 /yr.

Shows Zip Code: 61250 lowest rates with discounts applied on average.

For the 61250, 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)		$617 /yr.
Average Coverage:$867 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1167 /yr.

What is the average home insurance cost for a home in 61250?

  • • The average homeowners insurance premium paid annually for a home in 61250 is around $867 per year.

What does it cost on average per month for home insurance in 61250?

  • • Homeowners in 61250 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 61250?

  • • Autoowners in 61250 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 Erie area, check out other zip codes nearby 61250.
Review average rates in another zip code:
61250 homeowners insurance rates

Home Replacement Cost Coverage in 61250

Average Building Cost Per Square Foot in 61250: $154

Location: Erie, Illinois (Whiteside County)

Average Square Footage in 61250: 963 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 61250 before you start any project. Erie 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 61250 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 61250 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 963 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 Erie 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$154963$148,300
Additional Upgrades & Added Features$193963$185,375
Major Home Updates or Advancements$231963$222,450

It's important to understand that when you estimate your replacement cost of your home in the 61250 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 61250

Best Home & Auto Insurance Agencies in 61250

Housing Demographics for 61250

Population Review for 61250 Zip Code

For the city of Erie, the population within 61250 has increased to over 2,027 residents in population size. The current population total is 2,587. We have broken down the population based on race below. In 61250, there are over 1296 in male population and 1291 females.

PopulationValues
Total Population2,587
White Population2478
Black Population6
Hispanic Population53
Asian Population8
Hawaiian Population0
Indian Population6
Other Population7
Male Population1296
Female Population1291
Population Estimate2027

Household Data for 61250

The average number of homes in 61250 is around 1,067, there are an average of 2.42 per household. The average house value according to local real estate values is around $148,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,067
Persons Per Household2.42
Average House Value$148,300
Income Per Household$80197
Median Age42.8
Median Age Male41.8
Median Age Female44.4
61250 DetailsValues
StateIL
State Full NameIllinois
City TypeP
City Alias Abbreviation
Area Code309
CityErie
City Alias NameERIE
CountyWhiteside
County FIPS195
State FIPS17
Time Zone6
Day Light SavingY
MSA
PMSA
CSA221
CBSA44580
CBSA_DIV
CBSA_TypeMicro
CBSA_NameSterling, IL
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses52
Number Of Employees235
Business First Quarter Payroll1875
Business Annual Payroll8744
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population58498
CBSA Division Population0
Congressional District16|17
Congressional LandArea7917.49|6933.08
Delivery Residential838
Delivery Business21
Delivery Total1896
Preferred Last Line KeyW12891
Classification Code
Multi-CountyY
CSA NameDixon-Sterling, IL
CBSA_DIV_Name
City State KeyW12891
Land Area87.162000
Water Area1.955000
City Alias Code
City Mixed CaseErie
City Alias Mixed CaseErie
Box Count271
SFDU838
MFDU0
State ANSI17
County ANSI195
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number162598
Unique ZIP Name
SSA State County Code14988
Medicare CBSA Code99914
Medicare CBSA NameRural Areas in IL
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseWhiteside

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 […]