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61910 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 61910? There are over 1,538 occupied homes in the 61910 area. With a population size of 4,460, it's not uncommon for residence of Arcola, 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 $840 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 61910 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: Arcola, IL Home Insurance Rate Quotes

61910 Home Insurance Average Premiums

Local 61910 homeowners insurance quotes comparison

$590 /yr.

Shows Zip Code: 61910 lowest rates with discounts applied on average.

For the 61910, 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)		$590 /yr.
Average Coverage:$840 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1140 /yr.

What is the average home insurance cost for a home in 61910?

  • • The average homeowners insurance premium paid annually for a home in 61910 is around $840 per year.

What does it cost on average per month for home insurance in 61910?

  • • Homeowners in 61910 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 61910?

  • • Autoowners in 61910 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 Arcola area, check out other zip codes nearby 61910.
Review average rates in another zip code:
61910 homeowners insurance rates

Home Replacement Cost Coverage in 61910

Average Building Cost Per Square Foot in 61910: $154

Location: Arcola, Illinois (Douglas County)

Average Square Footage in 61910: 800 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 61910 before you start any project. Arcola 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 61910 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 61910 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 800 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 Arcola 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$154800$123,200
Additional Upgrades & Added Features$193800$154,000
Major Home Updates or Advancements$231800$184,800

It's important to understand that when you estimate your replacement cost of your home in the 61910 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 61910

Best Home & Auto Insurance Agencies in 61910

Housing Demographics for 61910

Population Review for 61910 Zip Code

For the city of Arcola, the population within 61910 has increased to over 4,630 residents in population size. The current population total is 4,460. We have broken down the population based on race below. In 61910, there are over 2211 in male population and 2249 females.

PopulationValues
Total Population4,460
White Population3522
Black Population10
Hispanic Population1094
Asian Population29
Hawaiian Population2
Indian Population20
Other Population594
Male Population2211
Female Population2249
Population Estimate4630

Household Data for 61910

The average number of homes in 61910 is around 1,538, there are an average of 2.81 per household. The average house value according to local real estate values is around $123,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,538
Persons Per Household2.81
Average House Value$123,200
Income Per Household$69832
Median Age39.0
Median Age Male37.7
Median Age Female39.6
61910 DetailsValues
StateIL
State Full NameIllinois
City TypeP
City Alias Abbreviation
Area Code217
CityArcola
City Alias NameARCOLA
CountyDouglas
County FIPS041
State FIPS17
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses131
Number Of Employees2004
Business First Quarter Payroll18921
Business Annual Payroll92532
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 District15
Congressional LandArea14695.67
Delivery Residential1648
Delivery Business104
Delivery Total1861
Preferred Last Line KeyW11872
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyW11872
Land Area102.485000
Water Area0.132000
City Alias Code
City Mixed CaseArcola
City Alias Mixed CaseArcola
Box Count59
SFDU1580
MFDU12
State ANSI17
County ANSI041
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number160252
Unique ZIP Name
SSA State County Code14190
Medicare CBSA Code99914
Medicare CBSA NameRural Areas in IL
Medicare CBSA TypeMicro
Market Rating Area ID9
County Mixed CaseDouglas

Illinois Homeowners Insurance News & Information

  • 2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025

    Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]

  • Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025

    According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]