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62230, IL Homeowners Insurance Rates
With a population size of 6,414 and with 2,612 occupied homes in the 62230 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Breese, IL are around $870 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that GetHomeInsuranceQuotes.com is the best place online to shop for home insurance rates in Breese, Illinois. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-855-976-2656 so we can help you review rates today!
It's important to know that if your Illinois home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Breese, IL.
For Illinois home insurance information, including average Breese home insurance rates, coverage options or the different homeowners insurance types, please select Breese, IL Home Insurance Quotes Now!
62230 Home Insurance Average Premiums
$620 /yr.
Shows Zip Code: 62230 lowest rates with discounts applied on average.
For the 62230, 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) | $620 /yr. |
| Average Coverage: | $870 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1170 /yr. |
What is the average home insurance cost for a home in 62230?
- • The average homeowners insurance premium paid annually for a home in 62230 is around $870 per year.
What does it cost on average per month for home insurance in 62230?
- • Homeowners in 62230 pay a monthly average cost per month around $73.00.
What kind of discount could I get if I combine my home and auto insurance together in 62230?
- • Autoowners in 62230 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 Breese area, check out other zip codes nearby 62230.
Review average rates in another zip code:
62230 homeowners insurance rates
Home Replacement Cost Coverage in 62230
Average Building Cost Per Square Foot in 62230: $154
Location: Breese, Illinois (Clinton County)Average Square Footage in 62230: 1,055 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 62230 before you start any project. Breese 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 62230 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 62230 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,055 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 Breese 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $154 | 1,055 | $162,400 |
| Additional Upgrades & Added Features | $193 | 1,055 | $203,000 |
| Major Home Updates or Advancements | $231 | 1,055 | $243,600 |
It's important to understand that when you estimate your replacement cost of your home in the 62230 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 62230
Best Home & Auto Insurance Agencies in 62230
Klostermann- Steven W - State Farm Insurance Agent
Address: 300 N 4th St Breese, IL 62230Phone:
Website: http://www.steveklostermann.com
Info:
Foppe Insurance Incorporated
Address: 215 North Main Street Breese, IL 62230Phone:
Website: http://www.foppeinsurance.com/
Info:
Allstate Insurance Companies
Address: 8793 Old Us-50 Breese, IL 62230Phone:
Website: http://www.allstateagencies.com
Info:
Guebert, Tom - Country Financial
Address: 1165 North 4th Street Breese, IL 62230Phone:
Website: http://www.countryfinancial.com/robert.gerstenecker
Info:
Foppe Ins Agency Inc
Address: PO Box 100 Breese, IL 62230Phone:
Website: http://www.foppeinsurance.com
Info:
Housing Demographics for 62230
Population Review for 62230 Zip Code
For the city of Breese, the population within 62230 has increased to over 6,699 residents in population size. The current population total is 6,414. We have broken down the population based on race below. In 62230, there are over 3144 in male population and 3270 females.
| Population | Values |
|---|---|
| Total Population | 6,414 |
| White Population | 6046 |
| Black Population | 14 |
| Hispanic Population | 226 |
| Asian Population | 17 |
| Hawaiian Population | 0 |
| Indian Population | 10 |
| Other Population | 150 |
| Male Population | 3144 |
| Female Population | 3270 |
| Population Estimate | 6699 |
Household Data for 62230
The average number of homes in 62230 is around 2,612, there are an average of 2.43 per household. The average house value according to local real estate values is around $162,400. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 2,612 |
| Persons Per Household | 2.43 |
| Average House Value | $162,400 |
| Income Per Household | $74500 |
| Median Age | 41.6 |
| Median Age Male | 40.5 |
| Median Age Female | 42.9 |
| 62230 Details | Values |
|---|---|
| State | IL |
| State Full Name | Illinois |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 618 |
| City | Breese |
| City Alias Name | BREESE |
| County | Clinton |
| County FIPS | 027 |
| State FIPS | 17 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | 7040 |
| PMSA | |
| CSA | 476 |
| CBSA | 41180 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | St. Louis, MO-IL |
| MSA_Name | St. Louis, MO-IL MSA |
| PMSA_Name | |
| Region | Midwest |
| Division | East North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 222 |
| Number Of Employees | 2682 |
| Business First Quarter Payroll | 24934 |
| Business Annual Payroll | 116468 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 2812896 |
| CBSA Division Population | 0 |
| Congressional District | 12 |
| Congressional LandArea | 5008.21 |
| Delivery Residential | 2757 |
| Delivery Business | 224 |
| Delivery Total | 3836 |
| Preferred Last Line Key | W12158 |
| Classification Code | |
| Multi-County | |
| CSA Name | St. Louis-St. Charles-Farmington, MO-IL |
| CBSA_DIV_Name | |
| City State Key | W12158 |
| Land Area | 51.466000 |
| Water Area | 0.037000 |
| City Alias Code | |
| City Mixed Case | Breese |
| City Alias Mixed Case | Breese |
| Box Count | 47 |
| SFDU | 2567 |
| MFDU | 1 |
| State ANSI | 17 |
| County ANSI | 027 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 160924 |
| Unique ZIP Name | |
| SSA State County Code | 14130 |
| Medicare CBSA Code | 41180 |
| Medicare CBSA Name | St. Louis, MO-IL |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 11 |
| County Mixed Case | Clinton |
Illinois Homeowners Insurance News & Information
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Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025
Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]
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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 […]
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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 […]