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Home Insurance in 61416

One of the best ways to save money on your homeowners insurance policy in the 61416 zip code is to shop your coverage on a regular basis. If your premium has been headed up in the last few years, we can help you find a great policy from the comfort of your own living room.

GetHomeInsuranceQuotes.com is the easiest way to shop for competitive homeowners insurance rates in in Bardolph, IL. A few clicks of the mouse and we will show you quotes from up to 12 nationwide carriers who are happy to compete for your business.

As always, our service is free and our Illinois licensed agents can advise you on the coverages you need as well as the coverage levels you should be carrying to fully protect your property and possessions. They will also be happy to answer any questions you may have and explain the details of your homeowners insurance coverage.

Getting started is easy, simply click on the "Get Multiple Quotes Now" button at the top of the page, verify your 61416 zip code and you are ready to start saving on home insurance.

Quickly Compare Rate Quotes for 61416

Find Bardolph, IL Homeowners Insurance Quotes to review the best coverage options in your area.

Information on the Average Homeowners Premiums in 61416

According to industry data, homeowners located in Bardolph pay roughly $868 per year for a HO-3 homeowners policy. A HO-3 policy is considered the standard when it comes to homeowners insurance. It offers protection for your home, possessions, loss of use as well as liability protection. If you have a mortgage on your property, your lender will require an HO-3 policy is in place to protect their loan.

Remember, an HO-3 policy does not offer coverage for flood damage in 61416 zip code. If you live in a high-risk area for flood damage, your lender will most likely require that you carry a separate flood insurance policy. Our agents can help you determine if you need flood insurance coverage and help you find a policy that fully protects your property.

A recent ranking of Illinois home insurance premiums found that premiums in 61416 are 31 when compared to other state averages. Shopping your coverage on a regular basis is the best way to ensure you are getting the best price on a homeowners policy.

Start Shopping 61416 Home Insurance Quotes Right Now!

The best part of our job is helping homeowners save money on their homeowners insurance while also educating our clients on the different types of coverage available to them in 61416.

Let us find you a great policy at an affordable price, get 61416 homeowners insurance quotes now.

61416 Home Insurance Average Premiums

Local 61416 homeowners insurance quotes comparison

$618 /yr.

Shows Zip Code: 61416 lowest rates with discounts applied on average.

For the 61416, 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)
$618 /yr.
Average Coverage:$868 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1168 /yr.

What is the average home insurance cost for a home in 61416?

  • • The average homeowners insurance premium paid annually for a home in 61416 is around $868 per year.

What does it cost on average per month for home insurance in 61416?

  • • Homeowners in 61416 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 61416?

  • • Autoowners in 61416 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 Bardolph area, check out other zip codes nearby 61416.
Review average rates in another zip code:
61416 homeowners insurance rates

Home Replacement Cost Coverage in 61416

Average Building Cost Per Square Foot in 61416: $154

Location: Bardolph, Illinois (Mcdonough County)

Average Square Footage in 61416: 305 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 61416 before you start any project. Bardolph 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 61416 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 61416 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 305 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 Bardolph 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$154305$46,900
Additional Upgrades & Added Features$193305$58,625
Major Home Updates or Advancements$231305$70,350

It's important to understand that when you estimate your replacement cost of your home in the 61416 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 61416

Best Home & Auto Insurance Agencies in 61416

Housing Demographics for 61416

Population Review for 61416 Zip Code

For the city of Bardolph, the population within 61416 has increased to over 0 residents in population size. The current population total is 210. We have broken down the population based on race below. In 61416, there are over 108 in male population and 102 females.

PopulationValues
Total Population210
White Population203
Black Population0
Hispanic Population8
Asian Population0
Hawaiian Population0
Indian Population0
Other Population2
Male Population108
Female Population102
Population Estimate0

Household Data for 61416

The average number of homes in 61416 is around 84, there are an average of 2.50 per household. The average house value according to local real estate values is around $46,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode84
Persons Per Household2.50
Average House Value$46,900
Income Per Household$28250
Median Age40.4
Median Age Male40.0
Median Age Female40.7
61416 DetailsValues
StateIL
State Full NameIllinois
City TypeZ
City Alias Abbreviation
Area Code309
CityBardolph
City Alias NameBARDOLPH
CountyMcdonough
County FIPS109
State FIPS17
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA31380
CBSA_DIV
CBSA_TypeMicro
CBSA_NameMacomb, IL
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population32612
CBSA Division Population0
Congressional District17
Congressional LandArea6933.08
Delivery Residential0
Delivery Business0
Delivery Total92
Preferred Last Line KeyW11956
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyW11956
Land Area0.617000
Water Area0.000000
City Alias Code
City Mixed CaseBardolph
City Alias Mixed CaseBardolph
Box Count89
SFDU0
MFDU0
State ANSI17
County ANSI109
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number160468
Unique ZIP Name
SSA State County Code14630
Medicare CBSA Code99914
Medicare CBSA NameRural Areas in IL
Medicare CBSA TypeMicro
Market Rating Area ID7
County Mixed CaseMcdonough

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