Get multiple home insurance quotes in 62421. Our licensed 62421, IL agents are ready to serve you.

62421 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 62421? There are over 276 occupied homes in the 62421 area. With a population size of 744, it's not uncommon for residence of Claremont, 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 $869 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 62421 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: Claremont, IL Home Insurance Rate Quotes

62421 Home Insurance Average Premiums

Local 62421 homeowners insurance quotes comparison

$619 /yr.

Shows Zip Code: 62421 lowest rates with discounts applied on average.

For the 62421, 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)		$619 /yr.
Average Coverage:$869 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1169 /yr.

What is the average home insurance cost for a home in 62421?

  • • The average homeowners insurance premium paid annually for a home in 62421 is around $869 per year.

What does it cost on average per month for home insurance in 62421?

  • • Homeowners in 62421 pay a monthly average cost per month around $72.00.

What kind of discount could I get if I combine my home and auto insurance together in 62421?

  • • Autoowners in 62421 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 Claremont area, check out other zip codes nearby 62421.
Review average rates in another zip code:
62421 homeowners insurance rates

Home Replacement Cost Coverage in 62421

Average Building Cost Per Square Foot in 62421: $154

Location: Claremont, Illinois (Richland County)

Average Square Footage in 62421: 464 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 62421 before you start any project. Claremont 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 62421 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 62421 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 464 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 Claremont 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$154464$71,400
Additional Upgrades & Added Features$193464$89,250
Major Home Updates or Advancements$231464$107,100

It's important to understand that when you estimate your replacement cost of your home in the 62421 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 62421

Best Home & Auto Insurance Agencies in 62421

Housing Demographics for 62421

Population Review for 62421 Zip Code

For the city of Claremont, the population within 62421 has increased to over 780 residents in population size. The current population total is 744. We have broken down the population based on race below. In 62421, there are over 372 in male population and 372 females.

PopulationValues
Total Population744
White Population729
Black Population1
Hispanic Population6
Asian Population1
Hawaiian Population0
Indian Population0
Other Population0
Male Population372
Female Population372
Population Estimate780

Household Data for 62421

The average number of homes in 62421 is around 276, there are an average of 2.70 per household. The average house value according to local real estate values is around $71,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode276
Persons Per Household2.70
Average House Value$71,400
Income Per Household$70000
Median Age46.3
Median Age Male43.0
Median Age Female47.6
62421 DetailsValues
StateIL
State Full NameIllinois
City TypeP
City Alias Abbreviation
Area Code618
CityClaremont
City Alias NameCLAREMONT
CountyRichland
County FIPS159
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 Businesses9
Number Of Employees19
Business First Quarter Payroll129
Business Annual Payroll613
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 District12
Congressional LandArea5008.21
Delivery Residential289
Delivery Business7
Delivery Total364
Preferred Last Line KeyW12427
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyW12427
Land Area53.568000
Water Area0.000000
City Alias Code
City Mixed CaseClaremont
City Alias Mixed CaseClaremont
Box Count7
SFDU289
MFDU0
State ANSI17
County ANSI159
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number161602
Unique ZIP Name
SSA State County Code14880
Medicare CBSA Code99914
Medicare CBSA NameRural Areas in IL
Medicare CBSA TypeMicro
Market Rating Area ID13
County Mixed CaseRichland

Illinois Homeowners Insurance News & Information

  • $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 […]

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

  • How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024

    Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm.  Understanding the different coverages that are available to homeowners is key to making sure you […]