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Find the Best Home Insurance Rates in 62471

Shopping for homeowners insurance in 62471 is never fun, but it is a necessity if you want to find the best policy for your home while also keeping your premium affordable. If you live in Vandalia, IL and want to enhance your homeowners coverage while decreasing your annual premium, then let us help you shop the best rates and coverage options.

We can easily shop up to 12 competitive insurance companies so you can compare rates and coverage levels in the privacy of your own home. As an added bonus, our Illinois licensed agents will help you sort through your insurance options and answer any questions you may have about coverages and rates. As always, our service is completely free.

If you are ready to start searching for a new policy, simply click on the "Get Multiple Quotes Now" button. Your 62471 should populate in the zip code field and then you are ready to go. Enter some basic information on your home and we will get started on your quotes.

Home Insurance Rate Quotes in 62471

Find Vandalia, IL Homeowners Insurance Quotes to review the best coverage options in your area.

62471 Home Insurance Rating is: medium!

In 62471 the average premium is $868. We can help you save up to 40 percent off of the average premium by having up to 12 highly rated nationwide insurers compete for your business. Our agents will also do a professional analysis of your policy options to make sure you are getting the coverage you need at the best price.

A Quick Tip: For homeowners living in 62471, always keep an updated home inventory. This can be a game changer in the event you have to make a claim. It will make the claim process go quicker and ensure that you are fully and fairly reimbursed for your loss. There are tons of home inventory apps online that can make the tedious job of putting together an inventory quick and easy. As a bonus, your inventory is stored in the cloud so you always have access to it.

Start shopping for a great new policy right now. Get Multiple Home Insurance Rates in 62471!

62471 Home Insurance Average Premiums

Local 62471 homeowners insurance quotes comparison

$618 /yr.

Shows Zip Code: 62471 lowest rates with discounts applied on average.

For the 62471, 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)
$618 /yr.
Average Coverage:$868 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1168 /yr.

What is the average home insurance cost for a home in 62471?

  • • The average homeowners insurance premium paid annually for a home in 62471 is around $868 per year.

What does it cost on average per month for home insurance in 62471?

  • • Homeowners in 62471 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 62471?

  • • Autoowners in 62471 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 Vandalia area, check out other zip codes nearby 62471.
Review average rates in another zip code:
62471 homeowners insurance rates

Home Replacement Cost Coverage in 62471

Average Building Cost Per Square Foot in 62471: $154

Location: Vandalia, Illinois (Fayette County)

Average Square Footage in 62471: 609 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 62471 before you start any project. Vandalia 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 62471 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 62471 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 609 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 Vandalia 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$154609$93,800
Additional Upgrades & Added Features$193609$117,250
Major Home Updates or Advancements$231609$140,700

It's important to understand that when you estimate your replacement cost of your home in the 62471 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 62471

Best Home & Auto Insurance Agencies in 62471

Gerkin Insurance Agency Inc - State Farm Insurance Agent

Address: 308 W Gallatin St Vandalia, IL 62471
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Sprague, Joe - Shelter Insurance

Address: 1410 Sunset Drive Vandalia, IL 62471
Phone:
Website: http://www.shelterinsurance.com/CA/agent/JSPRAGUE
Info:

Housing Demographics for 62471

Population Review for 62471 Zip Code

For the city of Vandalia, the population within 62471 has increased to over 8,377 residents in population size. The current population total is 10,530. We have broken down the population based on race below. In 62471, there are over 6293 in male population and 4237 females.

PopulationValues
Total Population10,530
White Population9189
Black Population774
Hispanic Population547
Asian Population51
Hawaiian Population0
Indian Population68
Other Population155
Male Population6293
Female Population4237
Population Estimate8377

Household Data for 62471

The average number of homes in 62471 is around 3,508, there are an average of 2.32 per household. The average house value according to local real estate values is around $93,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,508
Persons Per Household2.32
Average House Value$93,800
Income Per Household$46351
Median Age40.0
Median Age Male38.9
Median Age Female43.2
62471 DetailsValues
StateIL
State Full NameIllinois
City TypeP
City Alias Abbreviation
Area Code618
CityVandalia
City Alias NameVANDALIA
CountyFayette
County FIPS051
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 Businesses288
Number Of Employees3135
Business First Quarter Payroll23840
Business Annual Payroll103668
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 Residential3611
Delivery Business348
Delivery Total4131
Preferred Last Line KeyW15356
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyW15356
Land Area128.215000
Water Area1.471000
City Alias Code
City Mixed CaseVandalia
City Alias Mixed CaseVandalia
Box Count102
SFDU3452
MFDU40
State ANSI17
County ANSI051
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number167980
Unique ZIP Name
SSA State County Code14340
Medicare CBSA Code99914
Medicare CBSA NameRural Areas in IL
Medicare CBSA TypeMicro
Market Rating Area ID13
County Mixed CaseFayette

Illinois Homeowners Insurance News & Information

  • 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 […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $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 […]