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61310 Home Insurance Rates & Premiums

Did you know there are over 3,700 people living within the 61310 zip code area? There are over 1,551 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 61310.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Illinois are on the rise. The estimated average premium is around $841 a year for a standard homeowners insurance policy in Amboy. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Amboy, IL Homeowners Insurance Quotes Online

61310 Home Insurance Average Premiums

Local 61310 homeowners insurance quotes comparison

$591 /yr.

Shows Zip Code: 61310 lowest rates with discounts applied on average.

For the 61310, 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)		$591 /yr.
Average Coverage:$841 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1141 /yr.

What is the average home insurance cost for a home in 61310?

  • • The average homeowners insurance premium paid annually for a home in 61310 is around $841 per year.

What does it cost on average per month for home insurance in 61310?

  • • Homeowners in 61310 pay a monthly average cost per month around $70.00.

What kind of discount could I get if I combine my home and auto insurance together in 61310?

  • • Autoowners in 61310 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 Amboy area, check out other zip codes nearby 61310.
Review average rates in another zip code:
61310 homeowners insurance rates

Home Replacement Cost Coverage in 61310

Average Building Cost Per Square Foot in 61310: $154

Location: Amboy, Illinois (Lee County)

Average Square Footage in 61310: 1,019 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 61310 before you start any project. Amboy 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 61310 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 61310 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,019 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 Amboy 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$1541,019$156,900
Additional Upgrades & Added Features$1931,019$196,125
Major Home Updates or Advancements$2311,019$235,350

It's important to understand that when you estimate your replacement cost of your home in the 61310 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 61310

Best Home & Auto Insurance Agencies in 61310

Espe- Arthur R

Address: 12 S Jones Ave Amboy, IL 61310
Phone:
Website:
Info:

Housing Demographics for 61310

Population Review for 61310 Zip Code

For the city of Amboy, the population within 61310 has increased to over 3,791 residents in population size. The current population total is 3,700. We have broken down the population based on race below. In 61310, there are over 1841 in male population and 1859 females.

PopulationValues
Total Population3,700
White Population3403
Black Population25
Hispanic Population177
Asian Population21
Hawaiian Population1
Indian Population8
Other Population59
Male Population1841
Female Population1859
Population Estimate3791

Household Data for 61310

The average number of homes in 61310 is around 1,551, there are an average of 2.38 per household. The average house value according to local real estate values is around $156,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,551
Persons Per Household2.38
Average House Value$156,900
Income Per Household$65057
Median Age44.5
Median Age Male43.6
Median Age Female45.4
61310 DetailsValues
StateIL
State Full NameIllinois
City TypeP
City Alias Abbreviation
Area Code815
CityAmboy
City Alias NameAMBOY
CountyLee
County FIPS103
State FIPS17
Time Zone6
Day Light SavingY
MSA
PMSA
CSA221
CBSA19940
CBSA_DIV
CBSA_TypeMicro
CBSA_NameDixon, IL
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses64
Number Of Employees433
Business First Quarter Payroll5689
Business Annual Payroll23844
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population36031
CBSA Division Population0
Congressional District16
Congressional LandArea7917.49
Delivery Residential1593
Delivery Business85
Delivery Total1964
Preferred Last Line KeyW11849
Classification Code
Multi-County
CSA NameDixon-Sterling, IL
CBSA_DIV_Name
City State KeyW11849
Land Area108.625000
Water Area0.541000
City Alias Code
City Mixed CaseAmboy
City Alias Mixed CaseAmboy
Box Count73
SFDU1467
MFDU34
State ANSI17
County ANSI103
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number160186
Unique ZIP Name
SSA State County Code14600
Medicare CBSA Code99914
Medicare CBSA NameRural Areas in IL
Medicare CBSA TypeMicro
Market Rating Area ID5
County Mixed CaseLee

Illinois Homeowners Insurance News & Information

  • North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

    The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]