Compare quotes for your home in 62285! Compare the best 12 carriers in minutes.
62285 Homeowners Insurance Rate Quotes
Are you shopping for homeowners insurance quotes in 62285? Our rates are very competitive for homeowners living in Smithton, IL. Many homeowners based out of your 62285 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 homeowners 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 62285 should appear in the zip code field ready to go. For Smithton, IL Home Insurance Rate Quotes click to review the best rates and service online!
62285 Average Premium is Rated: Medium!
Homeowners living in 62285 can easily save up to 40% off the average home insurance premium of $823 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Smithton that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 62285 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!
62285 Home Insurance Average Premiums
$573 /yr.
Shows Zip Code: 62285 lowest rates with discounts applied on average.
For the 62285, 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) | $573 /yr. |
| Average Coverage: | $823 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1123 /yr. |
What is the average home insurance cost for a home in 62285?
- • The average homeowners insurance premium paid annually for a home in 62285 is around $823 per year.
What does it cost on average per month for home insurance in 62285?
- • Homeowners in 62285 pay a monthly average cost per month around $69.00.
What kind of discount could I get if I combine my home and auto insurance together in 62285?
- • Autoowners in 62285 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 Smithton area, check out other zip codes nearby 62285.
Review average rates in another zip code:
62285 homeowners insurance rates
Home Replacement Cost Coverage in 62285
Average Building Cost Per Square Foot in 62285: $154
Location: Smithton, Illinois (Saint Clair County)Average Square Footage in 62285: 1,371 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 62285 before you start any project. Smithton 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 62285 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 62285 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,371 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 Smithton 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 | 1,371 | $211,200 |
| Additional Upgrades & Added Features | $193 | 1,371 | $264,000 |
| Major Home Updates or Advancements | $231 | 1,371 | $316,800 |
It's important to understand that when you estimate your replacement cost of your home in the 62285 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 62285
Best Home & Auto Insurance Agencies in 62285
Housing Demographics for 62285
Population Review for 62285 Zip Code
For the city of Smithton, the population within 62285 has increased to over 4,537 residents in population size. The current population total is 4,718. We have broken down the population based on race below. In 62285, there are over 2315 in male population and 2403 females.
| Population | Values |
|---|---|
| Total Population | 4,718 |
| White Population | 4433 |
| Black Population | 38 |
| Hispanic Population | 68 |
| Asian Population | 26 |
| Hawaiian Population | 1 |
| Indian Population | 8 |
| Other Population | 17 |
| Male Population | 2315 |
| Female Population | 2403 |
| Population Estimate | 4537 |
Household Data for 62285
The average number of homes in 62285 is around 1,803, there are an average of 2.62 per household. The average house value according to local real estate values is around $211,200. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 1,803 |
| Persons Per Household | 2.62 |
| Average House Value | $211,200 |
| Income Per Household | $102083 |
| Median Age | 42.3 |
| Median Age Male | 41.9 |
| Median Age Female | 42.6 |
| 62285 Details | Values |
|---|---|
| State | IL |
| State Full Name | Illinois |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 618 |
| City | Smithton |
| City Alias Name | SMITHTON |
| County | Saint Clair |
| County FIPS | 163 |
| 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 | 66 |
| Number Of Employees | 390 |
| Business First Quarter Payroll | 3385 |
| Business Annual Payroll | 12737 |
| 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 | 1732 |
| Delivery Business | 47 |
| Delivery Total | 1954 |
| Preferred Last Line Key | W14896 |
| Classification Code | |
| Multi-County | |
| CSA Name | St. Louis-St. Charles-Farmington, MO-IL |
| CBSA_DIV_Name | |
| City State Key | W14896 |
| Land Area | 16.244000 |
| Water Area | 0.378000 |
| City Alias Code | |
| City Mixed Case | Smithton |
| City Alias Mixed Case | Smithton |
| Box Count | 135 |
| SFDU | 1614 |
| MFDU | 0 |
| State ANSI | 17 |
| County ANSI | 163 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 167320 |
| Unique ZIP Name | |
| SSA State County Code | 14900 |
| Medicare CBSA Code | 41180 |
| Medicare CBSA Name | St. Louis, MO-IL |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 12 |
| County Mixed Case | Saint Clair |
Illinois Homeowners Insurance News & Information
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Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025
Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]
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Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024
Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies. Here are some common exclusions that could leave you […]
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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 […]