Get multiple home insurance quotes in 61736. Our licensed 61736, IL agents are ready to serve you.

Compare 61736 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 61736 area? The average homeowners premium in Illinois for a standard homeowners policy is around $839/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 61736 zip code, the population size is around 1,966 with 698 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 61736.

Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Downs, IL Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. IL RateDiscountsSavingsShop Rates
$1,144up to 40% off$458

61736 Home Insurance Average Premiums

Local 61736 homeowners insurance quotes comparison

$589 /yr.

Shows Zip Code: 61736 lowest rates with discounts applied on average.

For the 61736, 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)
$589 /yr.
Average Coverage:$839 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1139 /yr.

What is the average home insurance cost for a home in 61736?

  • • The average homeowners insurance premium paid annually for a home in 61736 is around $839 per year.

What does it cost on average per month for home insurance in 61736?

  • • Homeowners in 61736 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 61736?

  • • Autoowners in 61736 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 Downs area, check out other zip codes nearby 61736.
Review average rates in another zip code:
61736 homeowners insurance rates

Home Replacement Cost Coverage in 61736

Average Building Cost Per Square Foot in 61736: $154

Location: Downs, Illinois (Mclean County)

Average Square Footage in 61736: 1,599 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 61736 before you start any project. Downs 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 61736 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 61736 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,599 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 Downs 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$1541,599$246,200
Additional Upgrades & Added Features$1931,599$307,750
Major Home Updates or Advancements$2311,599$369,300

It's important to understand that when you estimate your replacement cost of your home in the 61736 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 61736

Best Home & Auto Insurance Agencies in 61736

Housing Demographics for 61736

Population Review for 61736 Zip Code

For the city of Downs, the population within 61736 has increased to over 1,937 residents in population size. The current population total is 1,966. We have broken down the population based on race below. In 61736, there are over 996 in male population and 970 females.

PopulationValues
Total Population1,966
White Population1862
Black Population10
Hispanic Population33
Asian Population11
Hawaiian Population0
Indian Population5
Other Population8
Male Population996
Female Population970
Population Estimate1937

Household Data for 61736

The average number of homes in 61736 is around 698, there are an average of 2.82 per household. The average house value according to local real estate values is around $246,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode698
Persons Per Household2.82
Average House Value$246,200
Income Per Household$95774
Median Age39.0
Median Age Male39.0
Median Age Female38.9
61736 DetailsValues
StateIL
State Full NameIllinois
City TypeP
City Alias Abbreviation
Area Code309
CityDowns
City Alias NameDOWNS
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 Businesses27
Number Of Employees139
Business First Quarter Payroll1205
Business Annual Payroll5902
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 Residential687
Delivery Business18
Delivery Total837
Preferred Last Line KeyW12687
Classification Code
Multi-County
CSA NameBloomington-Pontiac, IL
CBSA_DIV_Name
City State KeyW12687
Land Area34.638000
Water Area0.033000
City Alias Code
City Mixed CaseDowns
City Alias Mixed CaseDowns
Box Count95
SFDU588
MFDU0
State ANSI17
County ANSI113
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number162214
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

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