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61725 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 61725 zip code it's important to know that our rates are very competitive for homeowners living in Carlock, IL. Many homeowners based out of your 61725 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Illinois licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 61725 should appear in the zip code field ready to go. For Carlock, IL Homeowners Insurance Quotes nearby, we offer the best rates and service.

61725: Average Home Insurance Rates

For homeowners living in the great city of Carlock, the average homeowners policy is considered medium in comparison to other states. Illinois premiums are estimated to be around $801 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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61725 Home Insurance Average Premiums

Local 61725 homeowners insurance quotes comparison

$551 /yr.

Shows Zip Code: 61725 lowest rates with discounts applied on average.

For the 61725, 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)		$551 /yr.
Average Coverage:$801 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1101 /yr.

What is the average home insurance cost for a home in 61725?

  • • The average homeowners insurance premium paid annually for a home in 61725 is around $801 per year.

What does it cost on average per month for home insurance in 61725?

  • • Homeowners in 61725 pay a monthly average cost per month around $67.00.

What kind of discount could I get if I combine my home and auto insurance together in 61725?

  • • Autoowners in 61725 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 Carlock area, check out other zip codes nearby 61725.
Review average rates in another zip code:
61725 homeowners insurance rates

Home Replacement Cost Coverage in 61725

Average Building Cost Per Square Foot in 61725: $154

Location: Carlock, Illinois (Mclean County)

Average Square Footage in 61725: 1,526 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 61725 before you start any project. Carlock 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 61725 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 61725 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,526 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 Carlock 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$1541,526$235,000
Additional Upgrades & Added Features$1931,526$293,750
Major Home Updates or Advancements$2311,526$352,500

It's important to understand that when you estimate your replacement cost of your home in the 61725 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 61725

Best Home & Auto Insurance Agencies in 61725

Housing Demographics for 61725

Population Review for 61725 Zip Code

For the city of Carlock, the population within 61725 has increased to over 1,454 residents in population size. The current population total is 1,558. We have broken down the population based on race below. In 61725, there are over 793 in male population and 765 females.

PopulationValues
Total Population1,558
White Population1432
Black Population34
Hispanic Population33
Asian Population9
Hawaiian Population0
Indian Population5
Other Population10
Male Population793
Female Population765
Population Estimate1454

Household Data for 61725

The average number of homes in 61725 is around 590, there are an average of 2.64 per household. The average house value according to local real estate values is around $235,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode590
Persons Per Household2.64
Average House Value$235,000
Income Per Household$115227
Median Age41.6
Median Age Male40.1
Median Age Female43.4
61725 DetailsValues
StateIL
State Full NameIllinois
City TypeP
City Alias Abbreviation
Area Code309
CityCarlock
City Alias NameCARLOCK
CountyMclean
County FIPS113
State FIPS17
Time Zone6
Day Light SavingY
MSA1040
PMSA
CSA145
CBSA14010
CBSA_DIV
CBSA_TypeMetro
CBSA_NameBloomington, IL
MSA_NameBloomington-Normal, IL MSA
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses36
Number Of Employees137
Business First Quarter Payroll1343
Business Annual Payroll5923
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District16
Congressional LandArea7917.49
Delivery Residential551
Delivery Business12
Delivery Total688
Preferred Last Line KeyW12291
Classification Code
Multi-CountyY
CSA NameBloomington-Pontiac, IL
CBSA_DIV_Name
City State KeyW12291
Land Area45.017000
Water Area0.043000
City Alias Code
City Mixed CaseCarlock
City Alias Mixed CaseCarlock
Box Count101
SFDU551
MFDU0
State ANSI17
County ANSI113
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number161284
Unique ZIP Name
SSA State County Code14650
Medicare CBSA Code14010
Medicare CBSA NameBloomington, IL
Medicare CBSA TypeMetro
Market Rating Area ID8
County Mixed CaseMclean

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 […]